vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my privacy is being violated and this company is not complying to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX called and spoke to rep. On XX/XX/XXXX I uploaded a copy of {$4000.00} payment check made to them that was sent on XX/XX/XXXX, which they cashed but never applied to my student loan. 

I can not get anyone from Ed Financial to post the check they received to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts ; XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TN

Complaint narrative:
Absolute Resolution INV appears on my credit report for an amount of {$4500.00}. States original card was with XXXX. Debt is not mine. I never had a card with XXXX. It states account opened on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
I was in the process of trying to buy a home for me and my daughter due to her father being incarcerated for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I was in the process of trying to buy a home for me and my daughter due to her father being incarcerated for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, robinhood said that my account will be closing and that they will return the funds to my bank account or have it available for withdrawal. 

From Robinhood... 
" Funds will be credited back to the account they were debited from or you will be notified of when theyre ready for you to withdraw. '' XX/XX/XXXX account was closed. 

Funds were not returned to my bank account nor do I have the option to request a withdrawal from my robinhood account to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I submitted a SCRA benefits claim, but they proceeded with the case as a Deployment SCRA benefit request. However, I am XXXX  in Louisiana and state law states that all interests will be under 6 % as long as you are XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Please remove all my fraudulent accounts immediately. I was victim of identity theft and trying to get my life back on track is the furthest thing from easy. I had much success removing things due to my identity theft but they're are still some companies that are not following proper protocol when it comes to validating my " debts. '' I have asked for verification of debts, I have submitted countless paperwork including ftc reports and police reports but nothing is getting done. 

Accounts include : Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX I will submit my paperwork here again to show you show whats going on. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
For two months, Capital One has not properly processed my automatic payments for my XXXX XXXX Account ending XXXX. I was charged XXXX for each late fee. Capital One waived the XXXX late fee because I had never been late on the account. I checked on my auto pay on XX/XX/XXXX and it was on. I received notification from Capital One today stating I was charged a late fee for XX/XX/XXXX. However, my auto pay was on and Capital One claimed I cancelled the payment on XX/XX/XXXX. I did not. I did not receive any notification that my XX/XX/XXXX payment was cancelled. Capital One claimed I received an email on XX/XX/XXXX informing me of the cancellation. I did not receive an email from Capital One nor text on XX/XX/XXXX. I enrolled in auto pay over 7 years. I have three accounts with Capital One but the XXXX XXXX account is the only account that I am having problems with the payment processing. After speaking to a supervisor, Capital One refused to waive the late fee for XX/XX/XXXX. I believe Capital One is intentionally not processing auto payments to unlawfully charge late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have submitted multiple disputes to the bureaus and the company World Finance. This account does not belong to me. I have also submitted a copy of the federal trade commission report to support that this account is a result of Identity Theft. I have been disputing this account every month Since XX/XX/2023, with no response from the bureaus nor the company. The bureaus continue to kick out my dispute saying that I am a third party but I always specify in the beginning that I am the person doing the disputes not a third party. I have submitted my drivers license to prove it's me and I have called the bureaus. I have called the company and I can't get anyone to help me. I thought that no response in 30 days the claims from them would be dismissed. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2024, I submitted a letter to Experian declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Experian has yet to take any action on the removal of these accounts from being publicly disclosed. It is Experians duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management ( MCM ) contacted someone who lives in my house and asked if they were my spouse in an attempt to collect payment. I am not married nor have I ever been married. MCM shared with them information about my payments, total debt owed, among other information and tried to get this other person to make a payment on my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: WI

Complaint narrative:
MOHELA reported my account as delinquent and shows a late payment. My account has NEVER been late and is certainly not delinquent. This is ruining us closing on our home purchase. I have spent several hours at a time on multiple occasions trying to reach a live agent to help me. The few times I actually reach someone after a two hour plus hold time, they transfer me and the call drops. I have tried emailing and messaging with no response. MOHELA is literally ruining my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc.
State: OR

Complaint narrative:
No I with some on cash app a little while ago, I told them I was having issues with unlocking card lock card system it was giving me a error, they deactivated my card and send me a new one, which I didn't need and which is on my time and time consuming,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I submitted a letter to Transunion declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Transunion has yet to take any action on the removal of these accounts from being publicly disclosed. It is Transunion 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
Mohela was given servicer responsibilities for my student loans in XX/XX/2022 A portion of those loans had been forgiven through PLSF through the prior servicer FEDLOANSERVICING. Since that time MOHELA has sent mail and answered the phone after expected long waits, but they have done nothing to help me discharge the loans and have done everything to attempt to " recoup '' their " cost '' through charging interest on previously discharged loans and failing to consolidate current loans that would fit into income driven repayment schedules. MOHELA has stated clearly that they do not do consolidation, but as servicer they have responsibilities to complete actions approved by the DEPT of ED which are being unduly delayed. Since MOHELA being named servicer, my loans have gone delinquent even though " over- payments '' have been sent. MOHELA has attempted to confuse the issue by sending bills for the same payment to my wife in an attempt to " confound '' and prolong debt service. 
I am in no way denying my debt. I am attempting to manage that debt with tools provided by the federal government and the servicer is attempting to profit. 
I simply want my loans consolidated so they can be placed in an income dependent repayment status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/2023, I submitted all required documents, including my XXXX application, to MOHELA. However, my documents were rejected on XX/XX/2023 without a clear explanation. In response to the rejection, I promptly submitted updated documentation to address any concerns raised by MOHELA. Despite my efforts, I have not received any communication or acknowledgment from MOHELA regarding the status of this updated submission. The lack of communication and transparency from MOHELA has left me in a precarious situation, as I am committed to complying with the XXXX program requirements in good faith. MOHELA 's lack of care when it comes to this situation ( long phone waits ) and seek clarification have proven fruitless, exacerbating the stress and uncertainty surrounding my financial obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC
State: CA

Complaint narrative:
These hard inquiries do not belong to me, these are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation