vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Capital Solutions
State: OH

Complaint narrative:
I have never lived in XXXX XXXX XXXX and it's on my credit report, Also a XXXX for XXXX XXXX, not me or my account

Company response to consumer: Untimely response
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: GA

Complaint narrative:
Closed account still appearing as open. Messing up my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc
State: VA

Complaint narrative:
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 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  *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my XXXX  account*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2023. I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was trying to purchase a home and I realized I had damages on my credit report and according to the 15 U.S.C 1681 law, there shouldnt be any damages on my report. Its a deformation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I filed a dispute with Cash App/Block Inc. reporting a user that scammed me out of {$1100.00}. 

After researching the abysmal behavior of Cash App/Block Inc. in handling disputes, I initiated a dispute with my bank attached to the debit card used for the transaction on XX/XX/2023 ( XXXX  XXXX XXXX XXXX dispute ongoing ). Obviously, the required first step in initiating a claim with the bank is to try and resolve your issue with the original parties involved, which I did by contacting the cash app user as well as cash app. 

Cash app/Block Inc. informed me that they they had in fact denied my dispute directly with them on XX/XX/2023. 

According to the Electronic Funds Transfer Act Cash App/Block Inc. is required to provide my copies of the evidentiary documents utilized to adversely decide against my claim. Cash App/Block Inc. is refusing to do so, citing my bank dispute. In fact, my initial dispute directly with Cash App/Block Inc. are 2 distinct disputes & I am entitled to the evidence Cash App/Block Inc. used in their investigation ( if there actually was an investigation conducted ) to determine the adverse outcome against my claim. I want the supporting evidence relied upon by Cash App/Block Inc. to allow their user to steal {$1100.00} from me.

Cash App/Block Inc. supports bad actors because they themselves are bad actors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: TN

Complaint narrative:
On XX/XX/2019 1STPROGRESSXXXX reported on my credit for the amount of {$140.00}. They are unable to collect a debt or report to credit due to not been licensing or having a bond in the state of TN!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I cancelled a subscription with XXXX which was being charged monthly to my American Express card. XXXX sent me a cancellation email stating I would no longer be charged after XX/XX/. However XXXX continued to charge my American Express card. After six months of charges I contacted American Express and requested a refund. American Express is unwilling to reverse these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The account in question is with XXXX XXXX XXXX, and the account number is XXXX. I did not open this account, and the charges made on it are not mine. I suspect that the account was opened fraudulently by someone else who obtained my personal information without my knowledge or consent. I have taken steps to address this issue with all XXXX credit bureaus. XXXX removed this account after XXXX XXXX XXXX couldn't verify the debt, but XXXX and Equifax still has this account reporting on my credit report. I contacted both XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX about 2 months ago to dispute the debt and report it as fraud. Since then I have not got a response and have made a few follow up calls but haven't got any help. I am requesting that the account be removed from my credit report as it is not mine and was opened without my consent. I have included copies of the police report and any other relevant documentation to support my claim. Please investigate this matter and take appropriate action to remove the account from my credit report. I appreciate your attention to this matter and your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, I went to a Wells Fargo ATM at XXXX to make a withdrawal. I initially attempted to make a withdrawal for {$200.00}, all XXXX dollar bills, no receipt. I received {$60.00}. I thought I must have pressed the wrong button so I made another attempt at a withdrawal, this time in the amount of {$150.00} with a receipt. I again only received {$60.00}. I looked at my online account and it showed both transactions, {$200.00} and {$150.00} respectively. I immediately called Wells Fargo and filed a claim, explained what happened. They told me it would take up to ten days to get my money back. I followed up a couple of times and was told they are investigating. After the ten days had passed, I called the claims department on XX/XX/XXXX. I was told my claim was denied and would not be refunded. I explained to them again what happened, and I got the same response. This is unacceptable, I got robbed by the same bank that I have trusted with my money. Im not sure what else I can do. Please help me get my money back. Thank you

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 monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Independent Savings Plan Co.
State: FL

Complaint narrative:
On or about XX/XX/XXXX a XXXX XXXX came to my house and installed a water softener system and told me that they have in house financing for their systems and it would only be {$70.00} a month for 96 months with no interest or fees. I was never given any account information or terms just a yellow paper receipt with the cost of the machine and the additional price for the platinum maintenance package. The technician had a little cell phone that I signed the installation agreement but I only signed that XXXX thing. I started to immediately have issues with the water softener system and tried multiple times to obtain assistance in repairing the issues. The original company ( XXXX XXXX ) never followed through, falsely changed their address with the XXXX  and won't honor their part of the deal and when I did speak to a representative I told them I wanted to cancel the contract and have them take the machine back, at which point they informed me they don't hold the money part - it was a CREDIT CARD!!! ( not what I was led to believe at all ) and I would have to dispute it with the credit card company ( ISPC ). So, on XX/XX/XXXX I sent ISPC a letter disputing the validity of the debt since I was never told I was opening a high interest, low balance, incurs monthly fees, credit card. I sent ISPC a letter of refusal to pay, requested that they stop contacting me completely by phone or text, and disputed the validity of the debt. On or about XX/XX/XXXX - ispc sent a response that included an agreement that they would not communicate with me via phone or text. They also sent copies of the alleged agreement with my alleged signature - however, every single spot is the exact same signature. The technician from XXXX used my first signature for the original contract to fraudulently apply me for this credit. After this letter from them arrived, they continued to call me and leave voicemails and refused to remove the info from my credit report. On XX/XX/XXXX I received another letter that is the opposite of their first response but still does not solve the fraudulent opening of this account problem. I have already reported the XXXX XXXX XXXX to the XXXX  and the attorney general for fraudulent and deceptive practices and neglect of follow through for their unkept promises. I am still getting phone calls from ISPC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was scammed into depositing a fake check on XX/XX/ and now my accounts are being closed as well as I am not able to open any new accounts. The check amount was for {$3500.00} and was made to a Wells Fargo bank.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2022 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 non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I submitted a total of XXXX applications to Mohela, all for different employers, but they appear to only have processed XXXX of them while closing the rest as duplicates. Because of this, I am only receiving XXXX qualifying payments, when I should have close to XXXX qualifying payments. I have attached a copy of the employment applications that need to be added to my account. Please note, my identifying information has been removed for my security but was present when the forms were sent to Mohela. 

The applications for The XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were provided on XX/XX/2023, along with the application for XXXX XXXX XXXX. The application for XXXX XXXX  was provided to Mohela in XXXX. Their website reflects it was processed, but no qualifying payments have been awarded, likely because of the XXXX other missing employment periods. This employment is not showing as approved on my qualifying payment statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: DC

Complaint narrative:
At this time, CashApp, by way of evasiveness in communication, refuses to acknowledge that I am the owner of a cashtag, $ XXXX. I have mailed them the information with a notarized statement as to my being the person behind the hashtag. They have not responded, which means that they are ignoring the matter or refusing to acknowledge this issue to the point of resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital is sending me notices for debt that does not belong to me. I have never ordered anything from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I received another letter from Midland credit management. A cease and desist letter was sent out last year and now here I am today being contacted by letter, which is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Hi there - I have XXXX fraudulent charges via XXXX on my AMEX gift card, which basically drained the card of the entire balance of $ XXXX. I did not lose the card, nor was it stolen. 

See screenshot for fraudulent charges. 

The numbers were hacked, perhaps from the company I first used the card at, XXXX Catalog. 

I contacted AMEX and they said they could do nothing due to the 120 day fraud reporting window. But honestly, had I seen these charges when they happened, I would have reported them immediately, but as mentioned, this card just stayed in my drawer, out of sight. 

I hope you can help. 

Thanks!

Company response to consumer: Closed with monetary relief