vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone hacked into my Capital One account and someone hacked into my Capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MD

Complaint narrative:
The below information was placed on my credit report without any knowledge or company reaching out to me giving me the opportunity to proof that this is not my debt. I have no idea who these people are where this came from. I was contacted by my job stating i have 30 days to resolve this issue. I have made several identity theft reports. it was brought to my attention that all of my personal information to include my email address is on a dark web. I just recently had someone place an order with Macys using my debit card and email address but was sending the items some place else. Im at a lost and don't know what to do, however i don't know who these people are and what this is about and I want this removed from my credit file giving me an chance to resolve the matter. I know i havent purchased anything for {$3000.00}. 

VANCEHUFFMAN Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name VANCE AND HUFFMAN LLC Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. 

Dispute with XXXX XXXX by Mail at XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: MI

Complaint narrative:
The following accounts are fraudulent and do not belong to me. I demand immediate removal. 

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them.

I have attached a copy of my FTC REPORT for all 3 bureaus.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have written to Experian for the last 2 months asking them to validate my disputes with my sign. All I'm getting back is account has been validated. That doesn't not show proof I did it.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The XXXX charge off information is wrong on my credit report, it is on transunion and XXXX but not 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 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
Recently, I reviewed my credit report and noticed inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers, and erroneous accounts. The credit bureaus continue to state that they have verified the debt. However, I have discovered on my report that an account XXXX XXXX XXXX XXXX is not mine and I have no knowledge of this account. This is a fraudulent account, and my personal information was used in a company 's data breach on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive reached out to Equifax asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in two amounts totaling {$4500.00} and for {$740.00}. XXXX could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. XXXX more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a consumer. I have reason to believe the apartment complex under the new management is trying to extort money out of me due to all the repairs that were needed in the unit that were not caused by me for example the mold, rotting patio that fell forward as well as the hole in the wall due to the foundation problems all of which I have photos of as proof. This company is trying to have me pay for those repairs all because I decided not to renew my lease with them. They were increasing my rent with no upgrades. I decided ri leave. Please see attached photos.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've examined my credit report and noticed several unauthorized accounts listed. Please find the details in the attached document.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning incorrect addresses and unauthorized inquiries on my credit record. This information does not belong to me. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. I need this fraudulent information removed immediately.

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 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KS

Complaint narrative:
On XX/XX/XXXX, I uploaded signed PSLF forms for eligible government employer. I was told in XXXX that it had been approved and processed. Still, as of today XX/XX/XXXX, MOEHLA has refused to submit or process the qualifying months and have only processed one of five months on the signed form. Representative told me over the phone that it had been processed and sent to FSA for count to be applied to my account. When I demanded proof of this request and why only one month had been processed, I caught her in a lie. She then said it was still in processing and hadn't been sent to XXXX or applied, which is also a lie because of it hadn't been processed, how would XXXX month have been processed and counted. 

I also uploaded a form and documentation of another eligible employer ( XXXX  ) on XX/XX/XXXXXXXX  with accompanying eligibility documentation ( XXXX XXXX ) and MOHELA has done nothing to process the submitted form. 

Representative : XXXX ( XXXX XXXX ) claims they only verified XX/XX/XXXXXXXX  but have to verify all other days of employment, even though the entire employment period is on one form and signed after employment period ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received 5 {$200.00} XXXX XXXX XXXX American Express reward cards from XXXX as a result of my flight being overbooked. 

I tried to use the cards at XXXX. They processed my order, but then i received an email on XX/XX/2023 that my payment was not being authorized. 

I tried using a different card on XX/XX/2023 at home depot.com. Same thing happened. I received an email saying my payment was declined by the bank. 

I have tried this with numerous other merchants with no success. 

I was on the phone with customer service for 20 minutes again today and did not receive a satisfactory response. I asked to speak to a supervisor and was put on hold and listened to music for 15 more minutes before hanging up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was checking my FiCO score and found that they have my loans as being reported twice. I went to try and dispute it and it stated that I had to go to the Transunion site to dispute this. My loans from XXXX are being reported twice and is hurting my credit and even being approved for anything. I need ther to be an investigation immediately to fix this and not just a oh here is your credit report. Someone needs to look into this. My next step is an attorney.

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 2023-09-11 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: NV

Complaint narrative:
THIS ACCOUNT IS NOT MINE. IT BELONGS TO XXXX XXXX XXXX XXXX WHO FILED CHAPTER XXXX BANKRUPTCY WHICH HAS BEEN DISCHARGED. ACCORDING TO HIS ATTORNEY AND CURRENT BANKRUPTCY LAWS YOUR ORGANIZATION HAD AN OPPORTUNITY TO DISPUTE THIS ACCOUNT AND Its STATUS DURING THE MEETING OF THE CREDITORS WHICH YOU FAILED TO DO SO.

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 2023-09-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
When checking my credit report, I noticed a new credit card account : XXXX XXXX XXXX. This account was fraudulently opened in my name. The account shows an address of XXXX XXXX XXXX XXXX. XXXX, CO. I've lived at my current location since XXXX. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: TX

Complaint narrative:
I borrowed {$300.00} tried to payoff the amount of {$450.00} still high in 90 days. However they are charging my {$82.00} biweekly for a year, which equals to {$1900.00} quadruple what i borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All three credit bureaus show outdated information and inaccurate information. I filed serval disputes with all 3 agencies and they did not not remove information.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
All three credit bureaus show outdated information and inaccurate information. I filed serval disputes with all 3 agencies and they did not not remove information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process 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 non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: WY

Complaint narrative:
I am in North Carolina identifying site for new center that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. I was referred to a business banker, we spoke and seemed polite, provided link to upload, and then I had an appointment the following Wednesday. I followed up on the Monday prior to ensure no new information needed as I have an urgent RFP I'd like to submit and need new banking for compliance. She stated she would not be meeting with me or opening an account, no details. Also claimed she called me, I had no voicemails until I escalated the matter. I pressed on reasoning why, she just kept stating 'I was a fraud '. I asked repeatedly what specific concerns so I could address, she finally stated due to out of state DL ( I'm evaluating the area to open another site, of course I'm from out of the area - expires in 2030 ) but she refused. I asked to be escalated, following Wednesday the bank manager called to inform me during due diligence they noted the business registration had been dissolved ( I had advised of the clerical error in XXXX and that was already resolved, and had include certificate of good standing with my documents submitted, proactively and included these details in my initial communication. ) But he was the first person to tell me that was 'their ' reason ( although by time banking was being opened, it was resolved, hence certificate of good standing ) and then went on to say, " we wouldn't be a good fit for their 'conservative " bank ''. As a minority business woman, I can only read this one way. I've since found out, this is common practice in this region and why so few women have been successful in their ventures, I also know they have pending internal discrimination case. I would not give them my business, regardless, but someone has to take a stand to balance these scales, as this is one of the known barriers. I've successfully launched many operations in my career, even working for XXXX XXXX at one point, I know what I experienced violated my rights, not every women striving for a better life may be aware. I am filing this complaint so we get to root of these issues and find common ground, as this is humiliating and holding us all back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I fell prey to a Fraudulent Merchant Scam presented top me on XXXX. Merchant required a minimum {$100.00} order and ONLY accepts PayPal payments utilizing the Friends and Family category for payments. After sending the money via PayPal and sending the merchant the PayPal Transaction ID, and them claiming the funds, merchant discontinues all communication, blocked me from messaging them on PayPal for resolution, provide a fraudulent business address and business phone number. Merchant is non-responsive. I contacted PayPal for Scam/Fraud assistance/resolution and after I opened my Resolution Case, within two hours of submitting my case, they sent an email notifying me they CLOSED my case and they sided in favor of the Scammer/Fraudulent Company and that they will not be refunding any of the money. PayPal also charges a transaction fee for all transactions, and refuses to refund monies provided to the scammers/fraudulent company, AND PayPal keeps the service fee charge for the transactions that were initiated/required by the fraudulent merchant. Unethical Business Practices and I assert the position that PayPal is complicit in a number of Merchant Fraud cases and use them as a means to bolster profits. I exhausted all means of contact with the merchant and turned to PayPal for resolution, to no avail. I have messaged PayPal via Chat Bot Feature on the website and receive zero assistance or resolution. They have never sent me any emails or texts other than the email telling me my case was Closed and that I would not be given a refund. Not even of the service fee they collected. I have attempted to Close my Account with PayPal but they state that I have an Open Case to resolve before I can close my account. When I log into my account and go to the Resolution Center portion of the website, it clearly reflects ZERO Open Cases and ONE Closed Case. In fact, they closed the case within two hours of me submitting the request/notification/complaint, without any investigation into the fraud/scam. PayPal refuses to communicate with customers/consumers and assist in resolving disputes and out right Fraud, such as in my case, yet they profit and benefit from such nefarious activities. Someone seriously needs to investigate PayPal and their less than ethical business practices, levy fines and demand a restructuring of policy that is more in alignment with the ethical and business standards that the United States claims to have and uphold. A regulatory body needs to be a voice for the layman/consumer and help stand up for consumer/customer rights against this corporate monstrosity of a business/company. Please!

Company response to consumer: Closed with explanation