vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Falsifying information on my report : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXX, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -XXXX XXXXe XXXX XXXX XXXX XXXX - XXXXXXXX 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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX I received an alert from my FICO.. Saying that I was 30 days late on a loan that I have proof that I made a payment in XXXX. I made XXXX payments in XXXX and XXXX in XXXX of this year they claim I was late in XXXX but I dont understand how when I made a payment. So I called Affirm.. I was trying to explain to the lady at the company the situation She seemed very lost with what I was talking about. So I got off the phone with her and decided to do my own research on Affirm website.. I noticed that they wrote on a website that they report positive and negative activity to XXXX. But Im trying to understand why none of my positive was never reported I never had an account on my credit report from Affirm until today. Im so upset about this matter! I have proof of all my payments and Im trying to make this all makes sense.. they are reported the wrong balance to the credit bureau I do not owe {$500.00}. I only owe {$200.00} on this account Im two payments a way from paying this account off. so Im not understanding where all the false reporting is coming from but I would like for the company to fix this situation ASAP! I uploaded my payment history and my credit report and the article from there website! They also is spelling my name wrong.. my name is XXXX XXXX XXXX I need that fixes too! Everything is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Falsifying information on my report : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX BANK XXXX A Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.

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 2022-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Earlier in XXXX I received a summons on behalf of XXXX and financial from the XXXX XXXX XXXX. This summons told me that I had a specific amount of time in order to answer some allegations against me. When I went to file my answer, I spoke to [ redacted ] on XX/XX/2022. 
[ redacted ] went over my options and let me know they would prefer me to not file an answer, and that they would wait for the default motion. 
I stopped [ redacted ] and let her know what that means. The term motion to default. 

I asked her if [ redacted ] meant for me to not respond to THEIR initial motion towards me ( which they openly told me I would be paying for ), so I would fall guilty towards any prosecution immediately. 

[ redacted ] stopped and laughed nervously at me and said, well no not exactly there is a lot of legaleses. 

I think you know as well I do this is false information. 

I worry not only about myself in this circumstance but anyone who may not be financially or legally savvy to catch someone lying about finances or legaleses. 

I think she was trying to weave a tale that default meant something different that may have worked on previous accounts. Please stand for justice. I cant imagine Im the only one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX, XXXX XXXX XXXX REFERENCE # XXXX Has violated my rights. 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. States that a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX, XXXX XXXX XXXX REFERENCE # XXXX Has violated my rights. 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. States that a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with the fair credit reporting act Capital One account has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX and other credit agencies did not delete a debt reported by XXXXXXXX XXXX of appx {$2000.00} in XXXXXXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. My husband and I personally paid almost {$50000.00} to XXXX but in 2018 legally transferred our interest which had been sold to XXXX, but which ceased to have any value whatsoever. Every effort of XXXX to bill was disputed as was every attempt at collection by XXXX. Neither entity submitted proof that the debt was valid. I also contested with Experian, and they only verified that the debt was valid. They did so only by reviewing information from XXXX as XXXX no longer exists. The owner of XXXX is apparently in XXXX for FRAUD and it is my belief that XXXX is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2022 - I recieved my credit report and noticed XXXX inquiries that I do not recognize. I did not fill not applications for these companies to check my credit. I have a security alert on my credit and was not notified about these companies pulling my credit. I have highlighted the companies and attached my most recent consumer credit report. The company names are : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, Experian is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Georgia Student Finance Commission STILL has an account furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX  XXXX XXXX, Account name : XXXX 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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2022-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I reached out to someone concerning the purchase of some perfumes. I paid through cashapp and never received my items. I have attached text messages showing me requesting my items and my funds back. I also requested a refund through my bank, XXXX XXXX, and it was initially disputed and the funds was returned but the claim was denied on XX/XX/XXXX and the funds were taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: HI

Complaint narrative:
I am seeking loan forgiveness within the PSLF program.I filed over 100 days ago now and counting. I have well over 15 years of eligible payments and Mohela, who now owns my consolidated loans, is non responsive and slow to evaluate my request. It has taken 3 months just to verify my employment was eligible, something that literally takes 5 minutes online. They are now taking months to evaluate eligible payments, something that again I as the customer can do online within 15-20 min. Mohela has given no timelines for resolution, only that it takes up to 90 days which they have exceeded. It is impossible to get someone on the phone, with call wait times now over 2 hours with the new federal forgiveness program being implemented soon. Mohela clearly cant keep up with the volume of calls, and now I am concerned that my request will just get pushed aside with all the new requests coming in for forgiveness this month. I just want this to be completed in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
Several written requests were sent to this company demanding hippa release, proof of license to collect in my state, proof that alleged debts are transferable etc. No reply was ever received. Further more, debts have exceeded statute of limitations but collector Keeps ILLEGALLY resetting the date. Original accounts are over 7 years old. They refuse to delete from my credit report and refuse to provide requested information. Letter was sent over 90 days ago with no reply. Proof of written request attached.

Company response to consumer: Closed with explanation