vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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:
I am a XXXX XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a collection account reported by Receivable Management Services on XX/XX/year>, for the amount of {$510.00}. This charge is associated with my auto insurance policy from XXXX. 

To better understand this charge, I request a detailed account ledger that includes all charges and payments made, along with a breakdown of any additional fees assessed. Given that my vehicle was repossessed, I want to ensure that this charge accurately reflects my obligations under the policy. 

I am particularly concerned about any extra fees, as they appear inconsistent with my original policy amount. 

I appreciate your prompt attention to this matter and look forward to your response, which I hope will clarify these charges and help resolve the issue. 

Thank you for your cooperation.

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 2024-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC ARE FRAUDULENTLY TRYING TO COLLECT A PAID IN FULL DEBT FROM XXXX. THEY ARE FALSELY CLAIMING THE DEBT IS FROM XX/XX/XXXX. I DO NOT HAVE AN ACTIVE ACCOUNT WITH XXXX XXXX. I USE XXXX XXXX. THE ACOUNT WITH XXXX FROM XXXX THRU XXXX WAS PAID IN FULL. I DO NOT OWE ANYTHING TO XXXX XXXX. I AM SUBMITTING THE DOCUMENTS TO SHOW I HAD A XXXX BALANCE WITH XXXX IN XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I requested a full credit report from Equifax two weeks ago. I still have not received it and I can not access MyFico or even XXXX. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX continues to report charge off for XXXX every single month. Be doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit screw as a new charge off every single month and lowers my score compounded every month False statement and representation : XXXX continues to falsely state it has been verified without any proof of verification.

Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )

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 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I been trying to ext my right to credit. Under cfbp rule 1002.4 ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. also its consumer credit transaction fraud if the vehicle has already be paid for. Under the federal reserve act sec 16 par. 1 and 2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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: MoneyLion Inc.
State: FL

Complaint narrative:
There are numerous issues with this company. I signed up for a credit building account, not only have they been continuously charging fees and destroying my credit years after I closed the account, there are nothing but inaccuracies. The account shows {$380.00} charged off which is false, while also showing {$170.00} past due. The phone number they list on file is XXXX which does not go to them, it goes to a XXXXXXXX XXXX XXXX 
I ended up getting the number off their site. 

While writing this I was on the phone with their support, they refused 100 % to give me any documents at all. I asked for statements showing what fees I was charged as well as any document they could send showing my payments. The supervisor says they have absolutely no way to show anything. Refused to even give me a receipt for the {$170.00} I was trying to pay just to get this off my report. This company is nothing but a scam. 

Can't give a receipt. 

Will not provide a statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
My mom bought me a {$200.00} Visa gift card for my birthday back in XX/XX/XXXX. Everyone would tell me to spend it and I would say no, I'm going to hang on to it because no matter what, I will always have that money. Well, in ( XXXX XXXX, remember that ), I bought a new truck and wanted to add some stuff to it from XXXX. Even though the total was more than the {$200.00} gift card, I was going to use it and just pay the rest with my debit card. For some reason, XXXX kicked it back so I paid it all with my debit card. I don't know why, but a couple of days later, I decided to check my balance on the mybalancenow.com website it was {$0.00}. I got on the mybalancenow.com website and it had two sections : My Balance and Transactions. On the My Balance, it showed where my mom purchased it in ( XXXX ), showed I used it in ( XX/XX/XXXX remember ) actually used it ( XX/XX/XXXX ), and it showed XXXX credited my card. In the transactions part, it just showed being purchased and being used. I've called the customer service every single one i could find and they keep saying I have to email XXXX. I've emailed them 6 times, never a word back. Now i cant even get an email to send to them. They are telling me I waited too long to dispute the case which, on their math, would be a 2 years. Of course, their math doesn't know how to add a credit to a debit either, so I don't know. In all reality, what happened was I used my card, the next week maybe two, I checked my balance and started all this. I can not get help on the phone, they just tell me to email the gift dispute same email i cant get ahold of, then whoever I email doesn't even write back. I just want to know first, why does the Balance Now website say in one section debit, then credit, but the other section just shows the debit. And second, I'd like to know why it says I used it in XX/XX/XXXX when I know and XXXX can prove I used it this year, XX/XX/XXXX. If someone could reach out to me at XXXX, it would be great. I just want some answers. I want to know why yall are saying I waited to long to dispute the claim. If i would have used it in XX/XX/XXXX no way I would wait 2 yeard to dispute this. I really want to know why no one will reach out to me or help me with this case. CASE # XXXX. Thank you. If your company would like for me to provide proof I will get XXXX XXXX XXXX and show you. Send letter email text phone call something would be very helpful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need help with my dispute reference number, XXXX, for XXXX XXXX {$800.00} card ending in XXXX on XXXX and posted date XXXX to be looked into for me because the dispute department keep telling me different stories saying they still looking. They claim they never receive the check from XXXX XXXX or I didnt receive it to because it was supposed be put back into the account after the account was closed out and provisional credit was given for {$800.00}. I never received the refund from XXXX XXXX so please help me Do I have to pay the {$800.00} back or not or did the bank got the money from XXXX XXXX by a check they keeping saying my account is {$0.00}. Update today I called XXXX asking about my dispute and they now told me on XX/XX/year> they was supposed to fully close it out now but not sure if that too not and send me a letter on the XX/XX/year> saying they completed the research and something like that etc and they also say I dont have to pay it back because Wells Fargo was supposed to refund them the money back on XX/XX/year> I want yall to call them and verify if that is true or not and send me proof of my balance being {$0.00} and upload it to cfbp portal and mail it to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and proof saying Wells Fargo XXXX it back to them or refund it back to them or pay it back to them and saying I dont have to pay nothing and my account wont be going to a debt collection agency and my account is {$0.00} and also contact How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach me at XXXX, Monday through XXXX  from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. We accept telecommunications relay service calls. Sincerely, XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Fax : XXXX and ask him if I am going to get a check for {$800.00} still or not or if that is still true and when will I get it? Please add it to case cfbp XXXX and case cfbp XXXX and case cfbp XXXX and to case cfbp XXXX update with new information I got this letter in the mail today and please verify if this letter is true and tell me if this letter is true or not and please read it below the attachment and tell me my current account balance is etc.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX currently lists XXXX accounts on my credit report, all related to credit cards from Comenity Bank, with the following details : Account XXXX : Balance of {$560.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account XXXX : Balance of {$450.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account XXXX : Balance of {$1500.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
These accounts were all reported on XX/XX/XXXX, and are marked as derogatory on my credit report. I have made payments toward these credit cards in the past, and I am concerned that these payments have not been accurately reflected in the balances reported by XXXX. I am requesting a detailed breakdown ( a full ledger ) of each account, including all transactions, payments made, and any fees assessed, so I can ensure that the payments were correctly applied. 

I am disputing this information to verify the amounts they are attempting to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Toward the end of year XXXX, I received property tax and homeowner 's insurance bills. I paid both bills because I did not realize I was paying in escrow for the same bills. In XX/XX/XXXX, I discovered I made the two payments twice. I contacted the current homeowner 's insurance company that promptly pointed out the date they refunded the over payment. The same day, I contacted XXXX XXXX XXXX that told me my payment was accepted first. Therefore, they returned the second payment to my mortgage company at the time. I contacted the latter. They refused to talk to me on the basis that my mortgage was being serviced by Shellpoint. I contacted Shellpoint on three occasions. For the last three months, they kept on telling me, they were seeking information about my funds from the former servicer. As a result, I am requesting your intervention for them to refund my {$2200.00}.

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 2024-10-21 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-21 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: FL

Complaint narrative:
XX/XX/year> I checked my credit to see how I can in prove it and notice fraudulent accounts and information that was inaccurate

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 2024-10-21 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: CA

Complaint narrative:
I have been disputing my XXXX XXXX  account for some time and it started on XX/XX/XXXX where i sent my XXXX round of disputes to Experian. On XX/XX/XXXX i sent round XXXX round of disputes to Experian, with no response back. On XX/XX/XXXX I sent round XXXX of disputes to Experian, no response back. On XX/XX/XXXX I sent round XXXX of disputes to Experian, no response back at all and nothing since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to formally file a dispute against Capital One Auto Finance for their failure to comply with U.S. Code 6802 ( Protection of Nonpublic Personal Information ), specifically regarding my right to opt out of the reporting of a charge-off to credit reporting agencies. 

Background Information Account Holder Name : [ Your Full Name ] Account Number : [ Your Account Number ] Date of Charge-Off : [ Date ] Date of Incident : [ Date you became aware of the issue ] Contact Information : [ Your Phone Number, Email Address, etc. ] Details of the Dispute I have reason to believe that Capital One Auto Finance has violated the provisions of U.S. Code 6802, which outlines the obligations of financial institutions to provide their consumers with the option to opt out of sharing nonpublic personal information with third parties. Specifically, in this case, Capital One failed to provide me with the option to opt out of the reporting of a charge-off related to my auto loan account. 

Additionally, this failure is in violation of the requirements outlined in : U.S. Code 6801 ( Protection of Nonpublic Personal Information ), which mandates financial institutions to establish appropriate standards to safeguard customer information.

U.S. Code 6803 ( Disclosure of Institutions Information-Sharing Practices ), which requires institutions to clearly and conspicuously disclose their privacy policies and provide the customer with notice of their right to opt out of certain disclosures. 


Despite the charge-off, I was not given the opportunity to opt out of having this information shared with credit reporting agencies, which has negatively impacted my credit score and financial standing. As required under the statute, Capital One should have provided me with the necessary notice of my rights and the option to prevent this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
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For more information, please visit https : XXXX Zelle Logo Contact Privacy Legal Contact Zelle Support at XXXX , 7 days a week, XXXX Eastern. 
XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX USA 2024 Early Warning Services , LLC. Zelle and the Zelle related marks and logos are property of Early Warning Services , LLC. 
Unsubscribe here to stop getting emails from Zelle.

Company response to consumer: Closed with explanation