vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Georgia XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I noticed unusual activity in my account of XXXX transactions posted for {$3000.00} and {$1000.00}. These charges were made on XX/XX/2023 to whereas my only transaction was made early in the morning via digital wallet, aside from pending transactions that posted on XX/XX/2023. I gave Wells Fargo a call on XX/XX/2023 when I noticed this activity because I was about to purchase food, and also I needed funds to initiate a payments for upcoming bills, to realize my funds were depleted. Wells Fargo further closed card and account. I explained that I contacted merchant of {$3000.00} charge, and they further explained I needed to discuss this matter with my financial institution, as though transaction had already posted. I ask Wells Fargo what further steps do I need to take in order to recover my funds. Wells Fargo explained nothing else needed to be done. Wells Fargo immediately reversed {$3000.00} transaction, but not the {$1000.00}. I called Wells Fargo XXXX times to check on matter, as they explained everything is going good the situation is almost resolved we reversed {$3000.00} you receive your money back you are good, if anything I will receive correspondence via mail. I never received any further information from Wells Fargo. On XX/XX/2023, I went to pump gas for the transaction to decline. Wells Fargo had a pending reversal transaction in my account for {$3000.00}. I called Wells Fargo first thing in morning, and they explained to me nothing else could be done. Wells Fargo directed me to deposit funds to wiggle out of negative balance, and file a police report. I further explained to Wells Fargo I instantly received credit, and after claim is resolved it is reversed almost XXXX months later very odd to whereas I never received correspondence upon investigation, and I requested further information explaining their decision. I called Wells Fargo some more times asking for evidence via mail, which I never received. Now, I am being spam called by XXXX a debt collector of Wells Fargo.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I recently made a payment of penfed gold card on XX/XX/XXXX, and my payment was due on the XXXX. I was extremely particular with this payment because our company is in the process of obtaining a business loan. I needed my balance to reflect the prior months balance and was told to make a payment of aprox {$300.00} and the balance would be the same. Instead XXXX, was reported to my credit report. On XXXX I reached out to penfed. I was told that {$8100.00} did not get reported to the credit bureau, and if that did happen that was an error. I was told they would have to dispute the report and it could take 30 days!!!!! This needs to be corrected right away or we will loose our loan!!! I asked to speak to a supervisor and got XXXX who was extremely extremely rude!!! He had kids yelling in the back and said there's nothing he can do!!!! Please review this call!!! I need the credit. Reported updated immediately! This inaccurate reporting dropping my score tremendously!!! I

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

Complaint narrative:
My account was paid in full and closed. XXXX shows accurate information. However, trans Union and XXXX showing as charged off as bad debt and never paid. ACCT NAME : XXXX XXXX credit card.

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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I bought XXXX in the amount of {$340.00} on XX/XX/2023 with MoneyGram International and when I tried to sell my XXXX and pick it up at a store they blocked my account and said they would send me information in 60 days. I really need my money, this is an inconvenience to me and my family. I can not wait 60 days for money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
COLUMBIA DEBT RECOVERY Account XXXX XXXX I have no debt with company and I NEVER SIGNED ANYTHING WITH THIS COMPANY. I'm taking them to court due to committing identity theft on me! USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I went to US BANK ATM machine to withdraw {$400.00} from my checking account at the the transaction machine says that is out of service, then I wet inside the branch they are XXXX atm machines y try XXXX then after the transaction machine says sorry software problem, the I wet the second machine finally I get tha money that I requested and print out says my balance is- {$400.00} means Im overdraft, I approach the bank teller y show is an error now u balance is {$93.00} then was receiving beat saying Im overdraft I call customer service to report the ope cas in take 3 days until now no refund says wait XXXX more days in the meantime I have autopay wit another providers and getting fin for XXXX bank on XX/XX/XXXX I call the bank again and told me I will receive e-Mail in XXXX or no

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 2023-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
1. ) It is impossible to get in touch with an actual person to get information about my student loans.

2. ) The information regarding % of income considered for payments. The website says XXXX XXXX but it should be XXXX XXXX.

3. ) I am unable to tell how much of my balance is past interest.

4. ) There is no record of any of my past payments in the last 20 years so there is no way for me to verify that information 5. ) I received a paper bill in XXXX statin there was a balance due this month when there should be no payments until XXXX. Mohela is trying to scam borrowers 6. ) I believe my expected payment amount of {$440.00} for the next XXXX months is inaccurate but I am unable to connect with anyone at Mohela to verify this amount.

7. ) Mohela is not communicating any meaningful information about borrowers information, options, or what they are legally required to provide and do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Sezzle Inc.
State: CA

Complaint narrative:
I've been in an ongoing argument with SEZZLE and XXXX XXXX to attempt at getting my refund totaling in XXXX dollars that I had made and already paid for that XXXX XXXX claims to have already refunded me but sezzle and XXXX XXXX are doing some kind of scam because I've received not money from either company for an order I made XX/XX/XXXX I'm the customer why the XXXX am I left with no hair and no money?!?!?! They also don't comply with there own contract where they say I'm not responsible for any future payments involving that order XXXX I'm so upset I don't go around giving out free money for no XXXX reason that sounds stupid to me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed with Experian several times via mail, internet and phone. They send me emails about the FCRA, and today XX/XX/2023 they sent me an email that my dispute results are ready from disputes I filed last month XX/XX/XXXX and XXXX 2023. Upon clicking on my results, it is still highlighted orange meaning it is still pending. It has been over 30 days, and according to the FCRA you have 30 days from the time a dispute is submitted to respond by verifying, updating or removing the said information. If you can not verify the information or complete an accurate dispute in 30 days, then you must delete and remove said items from the consumers credit report. It has been more than 30 days and no results just a bunch of emails. This is hindering my credit and my ability to secure housing and jobs. Please remove this information 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 explanation
Consumer complaint received 2023-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.

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 2023-09-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXXl XXXXXXXX | Spark Business Account # : XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: NY

Complaint narrative:
Just now, on XX/XX/2023, at XXXX, I am in receipt of harassing email from EdFinancial which accuses me of giving instructions to them which I never did, and in effect, EdFinancial is attempting to and/or conspiring to collect from me a balance of {$70.00} and subsequent interest which I have already paid. 

EdFinancial 's harassing email states they " apologize for any inconvenience '', but such apology is fake as they make a dishonest statement in " The payment in the amount of {$70.00} was applied to your account per your instructions. '' I specified, online that such loan be applied to my loan group with the greatest interest rate. EdFinancial is engaging in fraudulent behavior by receiving funds under the pretext of servicing my loan with honesty and the ability for me to be charged/pay less interest by preferentially paying higher interest loans more so than other loans. However, EdFinancial has not decreased my loan with the highest interest rate by {$70.00} -- and if they allege it is to my advantage in some way in reference to my hypothetical account balanced over the next 15 months, due to their policies on capitalized interest, then, they haven't explained that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax continues to report on my credit report the XXXX XXXX account # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated this account and found that it was open fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Equifax to remove this account from my credit report due to this fraudulent activity. Unfortunately, Equifax continues to list this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: EdFinancial Services
State: NY

Complaint narrative:
Edfinancial is currently showing payments that due on XX/XX/2023 and are now past due, even though student loan payments do not resume until XX/XX/2023.

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

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. 

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 has violated my rights XXXX 

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 an 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 non-monetary relief