vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX PLEASE DELETE THE FOLLOWING INACCURATE EMPLOYMENT INFORMATION : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a debt card in the mail from Capital One around the end of XX/XX/2023. I do not bank with or have any accounts with Capital One. So someone has fraudulently open an account using my information without my permission or knowledge. In checking my emails this goes back as far as XX/XX/XXXX through XX/XX/XXXX. I contacted the company and reported the fraudulent account. I instructed them to close the account immediately and report the fraud. The Capital one person I talked to in the fraud department, Capital one agent # XXXX, refused to give me any information. I wanted to know when the account was opened and what they were going to do about this fraudulent account. So this issue with Capital One has not been resolved and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: SC

Complaint narrative:
A bill dated XX/XX/XXXX in the amount of {$740.00} from XXXX XXXX XXXX was paid in full with my HSA card on XX/XX/XXXX via XXXX. In XX/XX/XXXX I recieved a collection notice from H & R Accounts Inc., XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX for two line items from the original bill. One in the amount of {$660.00} and one in the amount of {$31.00}. My wife called XXXX XXXX XXXX to ask about the collection notice and explained to them that the bill was paid in full via XXXX and was then told they don't use XXXX, she would have to call XXXX. My wife called XXXX who told her the bill was paid and was settled. My wife then called H & R to dispute the debt and gave them information related to the payment and asked if they would like the proof of payment/reciept sent to them and they declined but agreed that the debt was paid. 

We then recieved a call from XXXX XXXX XXXX and had a similar conversation and were told the account should not have been sent to collections and that it would be taken care of on their end. My wife again offered to send the proof of payment and was once again told that it was not necessary. 

Yesterday we recieved another letter from H & R accounts dated XX/XX/XXXX stating that the enclosed document would " validate the debt ''. However, it only shows proof that the charges were transferred from XXXX XXXX XXXX to H & R and in no way validates the debt. If anyone had botherd to look at my proof of payment they would not be able to validate the debt. 

My wife has spent countless hours trying to get this issue resolved. She has called the hospital, XXXX XXXX XXXX, the insurance company, XXXX, the merchant phone number provided by XXXX, the collection agency, and the financial counseling office of the hospital. No one has been able to help. The merchant phone number provided by XXXX is XXXX. A voicemail for XXXX XXXX has not returned the eight messages my wife left asking for help with this issue. 

Only two line items from the original bill have been sent to collections. The remaining three line items totaling {$41.00} from the original bill of {$740.00} has been properly allocated. For some reason, the two line items that have been sent to collections have not been properly allocated to the correct provider. I do not know what else we are supposed to do to prove the bill has been paid. I have proof of payment that includes the Transaction Date, Transaction Amount, Authorization #, Merchant ID, Merchant Phone Number, HSA routing number, Response Code, Last 4 digits of HSA Account, Authorization Code, Response Code, Transaction Timestamp, and Provider Visited. 

The debt has been paid. I have proof of payment. I welcome any assistance the CFPB can provide me in rosolving this issue. I take my credit score very seriously and do not want an issue that is not my doing to affect it in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX Credit Reporting company. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach 3 documents that First Interstate Bank and XXXX provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error 1 ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error 2 ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error 3 ). Upon examining the provided documents is you will find a credit limit. The XXXX Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error 4 ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error 5 ). Recent Balance is ( NOT REPORTED ) ( Error 6 ). The payment history has been left blank ( INACCURATE ) ( Error 7 ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: OH

Complaint narrative:
In XX/XX/2023, I requested a refund for the President covid forbearance. I wrote a letter to MOHELA regarding my refund on my PSLF account in XX/XX/2023. The Public Service Loan Forgiveness program ( PSLF ) requires borrowers to pay XXXX payments and their loans will be forgiven. I paid XXXX payments towards my PSLF program. I am due a refund. I previously sent a refund for my payments for the President covid Forbearance periods but I did not receive the full amount. I submitted my most recent PSLF employee verification form to MOHELA on XX/XX/XXXX. My loans were forgiven in XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I saw that my credit score had gone down. I got a copy of my credit report and found an account opened with {$7300.00} in charges. The account was with GS Bank USA XXXX XXXX. I filed a complaint with XXXX and after their short review they said Goldmansac said that they followed their protocol and that was it. I tried to call the bank 's fraud division at ( XXXX ) XXXX where no one is available and their voice mailbox is full. I tried the other number I have for the bank at ( XXXX ) XXXX and the voice recording asks to enter who you want to talk to, and then goes dead. I did not open this account, have never received a bill or any kind of statement. Looking at the XXXX credit report, it looks like whoever opened this account made two {$74.00} payments and failed to make the XXXX payment. This is very not much fun. I hope that you can help. I only have the last for numbers for the credit card which are XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This is a XXXX XXXX debt which was disputed by me in XXXX XX/XX/XXXX I paid XXXX and owed another XXXX usd but due to covid they sold this debt for XXXX usd to resurgent in XX/XX/XXXX, XXXXXXXX XXXX  never wanted to collect the money from me and i also asked for statements repeatedly but never got XXXX. Resurgent is forcing me to pay XXXX usd as owed and i had written various letters to resurgent asking for statements but they have not, they have put derogatory status in my credit reports and incorrect reporting causing me to have a bad score and bad repute which has affected my mental health

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Call bank to ask about sone fees issue about a month or maybe more ago, bank tells me they gon na close my account on XX/XX/, i ask them why they tell you will get a letter with an explanation! letters.come but no explanation i go to a branch in XXXX  dc XXXX XXXX they tell me they can not help me to call a number on the letter sent, no number on lertter though! i Feel i owed an explanation after banking with them over the past 10 year before it became truist bank. before it was Bbt bank. I really feel violated i need this bank account to help out my kids in college and the sad part is that i can not open another bank account no where else! i need an explanation!

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 2023-05-15 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: MD

Complaint narrative:
On XX/XX/XXXXXXXX  my card was stolen therefore I had to cancel it. I changed the payment with Zip as I owe installment payments on XXXX XXXX. Their app is defective. 

Zip has instructions regarding default payment and it does not work. It is not my fault because I am trying to make a payment and the system does not work. It is XX/XX/XXXX payment is not late either. I do not believe I should have to pay late payments due to an issue that is not my fault and I am trying to rectify it as I am trying to make a payment on the due date however ZIP system will not allow me. 

THEN I try to make a payment and the date of my new card expires XX/XX/XXXX I put it in the ZIP system. However, the ZIP system keeps changing the expiration date to XX/XX/XXXX which would not take my new card! 

This is a disappointment. I made screenshots to prove there is something wrong with the ZIP payment system, it needs to be corrected. 

Zip website states they accept Mastercard or Visa cards attached to a bank account my XXXX XXXX XXXX  is attached to a bank account now they want to charge me late charges for their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX and I was a co-signer for for my sister XXXX XXXX on a XXXX XXXX XXXX ( loan company Bridgecrest ). During the Covid pandemic in XXXX my sister lost her job and was not able to make the payment on time every month so it went into collections. My sister was able to land a new job and pay off the past due balance XX/XX/XXXX and have been paying on time every month since then. Our credit report is showing that the account is closed with a repo. We have tried to get this issue resolved with all 3 credit bureaus and Bridgecrest but apparently the status is accurate. The vehicle was never repossessed. Attached is the agreement that bridgecrest made with my sister as well as the most recent payments we have records of more if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MN

Complaint narrative:
So Ive been using Cashapp for years and never ran into an issue until I started depositing large amounts and direct deposit from job. XXXX charges to XXXX are being doubled charged with voided dates and completed payments. XX/XX/XXXX I was charge {$110.00} and XX/XX/XXXX {$260.00} completed and voided by cash app. Its XX/XX/XXXX last week I was charged yet another {$110.00} and Today charged {$260.00}. I called spoke with 2 customer service agents and they both overlook the voided payments and say cash app has been having technical issues from XXXX until XXXX Ive added cash from my bank to make the completed payments. I really feel robbed cause their using my deposits I upload as them sending me money to account and after looking at statements I feel this isnt all they took but what I was able to witness

Company response to consumer: Closed with explanation