vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On numerous occasions, I contacted Equifax to investigate errors found on my report, especially since my information was exposed in their data breach. I have attempted to dispute the information with Equifax, yet they are not verifying and updating the data based on the facts. I have numerous accounts that have been included in Bankruptcy and should reflect that on my report, though Equifax is not manually validating this information allowing an automated validation to continue to push incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Found out that I was part of the Equifax security breach and I was wondering why my credit was acting the way it was real funny stuff the last few years and I've had to go through the freezing and unfreezing and stuff was on my credit report that's not even there it's I've never even heard of among a lot of other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
There were 2 fraud charges made to my PayPal. I contacted PayPal and they denied the claim because they said there wasn't evidence to support my claim. XXXX however when i called them said yes they have evidence it was XXXX accounts opened with my information. They will not tell me anything about the accounts until i get a letter of dispute from my bank which i will do on XXXX. My bank has also not been very helpful in resolving this issue. the three institution 's i just mentioned have not and for some reason will not talk to each other to get this resolved. Each institution tells me its the others responsibility. I have been working on this for days and I'm not getting anywhere so i could use some help please. This fraud has caused me to lose XXXX $ so far and i now have a negative balance in my checking and can not pay my bills this paycheck because the scammers got all my money. XXXX reference number XXXX. 
XXXX has been the most helpful. the other two institutions are PayPal and Members Source FCU Bank of mine. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I do not have a contract with ABSOLUTE RESOLUTIONS INVESTMENTS nor do I owe them any debt. On XX/XX/2023 I sent in a proof of debt validation as to how I owe them the alleged debt, my request was avoided, and updated it with the credit reporting agencies as verified but with no proof. Absolute Resolutions Investments does not have any license to collect in the state of XXXX which they are illegally trying to do as well as trying to extort me for an extension of credit. They also commit the offense of identity theft by using my non-public information without my consent and authorization fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: The Moore Law Group
State: NV

Complaint narrative:
There is info on my consumer report from XXXX XXXX XXXX XXXX XXXX XXXX THE MOORE LAW GROUP that is a result of identity theft. I did not provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I have contacted the original hospital XXXX XXXX and my insurance company for verification or validation since neither company is following due process and XXXX XXXX has reported that I have a {$0.00} balance due for time of service and my insurance company XXXX has stated that they have a contractual agreement with the original debtor for payment of {$170.00} which was paid by insurance thus leaving no balance owed. A debt in the amount of {$800.00} was placed on my credit by Wakefield and Associates who refused to remove the debt from my XXXX due to non payment by the debtor Qualified Emergency XXXX to them when no debt is valid on my part. They are in violation of my rights as a consumer and could face legal action if debt is not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: LA

Complaint narrative:
Capital One has an account on my profile listed as charge off collections as well as paid in full.. this is confusing cause the account is paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Early Warning Services, LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Acct # XXXX and Acct # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
This company charges very high interest! XXXX is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. This company is guilty of usury. The company removed interest in XXXX however XXXX was paid and the interest only interest was dropped. 
The company needs to stop charging abusive interest more than what was borrowed. 
At the moment, the legal maximum for credit debt in South Carolina is 8.75 %. AF24/7 Charges 279.50 % APR. They also charge You will be charged periodic interest and the Customary Fee from the date of each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ) XXXX. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Previous complaint XXXX This is the second complaint I have had to raise. I have received my check from the first complaint. Have travelled to chase and theyre refusing to accept it because you sent me a check with the number smudged at the bottom. 

This is now 2 months and not receding my funds. The people in the branch were useless and not willing to help in anyway. 

This has also cost me {$50.00} in XXXX trips there and back. 

I want a new check sent out as a matter of urgency and I want to be refunded my travel cost due to this being a fault of Chase bank and not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was only XXXX XXXX XXXX then and my name appeared as an occupant on the apartment lease. My father, XXXX XXXX, was the sole lease holder because I was too young to co-sign.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
I received a copy of my credit report and I am disputing items that need to be deleted. According to the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. In your investigation results please provide the names, addresses, and the telephone numbers of individuals you contacted during your investigation During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Below are listed the account, account number and the opening date. 

XXXX XXXX XXXX XXXX XX/XX/2023 - 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 2024-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and I am disputing items that need to be deleted. According to the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. In your investigation results please provide the names, addresses, and the telephone numbers of individuals you contacted during your investigation During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Below are listed the account, account number and the opening date. 

XXXX XXXX XXXX - XX/XX/2023 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XXXX -** I visited XXXX XXXXXXXX & XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX for my dental check-up. However, the dental office did not disclose any pricing before the activity. They went ahead and charged me {$67.00} for a panoramic X-ray, of which I was not aware. At the same time, it was the first consultation which they claimed free, at the beginning of my consultation, as well as banners around the office. 

XXXX -** I contacted my insurance provider, XXXX, and they assured me that they had informed the dental office about the issue, assuring that the charge will be removed from my account due to the lack of prior pricing information. 

XXXX -** I received a call from a collection agent at XXXX XXXX XXXX XXXX claiming that I had an unresolved debt from the dental visit. However, I was not aware of the situation, assuming it had been resolved a year ago when my insurance assured me that they would address the charge. 

XXXX -** Upon revisiting the dental office and speaking over the phone, the representative from the dental office claimed to have adjusted the billing on my account. They removed the charge from my account as a courtesy, and they confirmed that NO billings had been sent to the collection agency. The representative from XXXX XXXX has assured me the billing was not sent to the collection and mentioned to me on the record there is no collection record as the collection record was not stated on the document. 

XXXX -** I received another call from the collection agency. We have gathered some information from the phone agent working for the collection : - **Collection Company : ** XXXX XXXX XXXX XXXX XXXX **Phone Agent Name : ** XXXX - **Phone Number : ** XXXX - **Company Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX **Source of the Amount : ** XXXX XXXX ( as mentioned above ) - **Dollar Amount : ** {$67.00} - **Collection Account Number : ** XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I received an email on XXXX advising me that my loans are on forbearance due to a post covid natural disaster which I am not even sure how. I logged into my account and hidden within the inbox is more info, that announced that interest will continue to accumulate. I understand this is how a requested forbearance goes, but to send an email to all borrowers that makes it seems that loans are again paused, without better announcing that interest will continue, seems extremely irresponsible and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
This company is violating the FCRA by illegally reporting fraudulent accounts on my credit which were the result of identity theft. After numerous attempts and identity theft documentation was sent these companies continue to add these items on my credit report. The items were as follows ; XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. These credit reporting agency needs to permanently DELETE these items IMMEDIATELY and accounts from my reports, & block them from ever reporting again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company is violating the FCRA by illegally reporting fraudulent accounts on my credit which were the result of identity theft. After numerous attempts and identity theft documentation was sent these companies continue to add these items on my credit report. The items were as follows ; XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. These credit reporting agency needs to permanently DELETE these items IMMEDIATELY and accounts from my reports, & block them from ever reporting again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan Motor Acceptance Company and their debt collecting agencies XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX keep sending me letters stating that the debt is not paid when they acknowledged it was paid and even took the money out my account. I received another letter today for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 JXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
My student loans have been discharged by the Department of Education via the Borrower Defense. My loans were sold by the Department of Education and is now serviced by AidVantage. The original loan was open on XX/XX/XXXX. However AidVantage reported to the credit bureau that the loan was opened in XX/XX/XXXX. I have called several times to have the loans removed from my credit. I was told today that it takes a year to remove the loans from my credit report. This is hindering me from making major purchases and getting approved for small things as well. I have uploaded the discharge letter. I feel I am being extorted.

Company response to consumer: Closed with explanation