vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX K XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022.

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX K XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent my first certified letter to Equifax stating there were errors reporting on my credit report. On XX/XX/2022 I sent a follow up certified letter requesting validation. There are three accounts from the collection agency named XXXX XXXX XXXXXXXX XXXX on my credit report. Two of the accounts has the same account number and amount XXXX {$170.00} XXXX {$170.00} XXXX {$340.00} Equifax is reporting inaccurate information and Id like the accounts deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XX/XX/XXXX, Navient debt collection agency XXXX XXXX XXXX XXXX offered a student loan debt settlement for {$11000.00} for a {$66.00}, XXXX student loan debt. The agreement was to pay on time from XX/XX/XXXX to XX/XX/XXXX {$110.00} every pay period. The document states 96 installment, and the payments are to be received before the dates indicated in the document. Once the account is recorded as settled upon clearance of the final remittance then no further payments will be due. So, I took the offer and received the settlement agreement paperwork. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to pay the remaining balance of the student loan settlement. As I spoke to the gentlemen on the phone he stated " we do not have have your loan anymore and sent it back to the lender ''. Neither Navient or XXXX XXXX mailed or notified me of these changes. 

After the telephone call, XX/XX/XXXX was the last payment taken from XXXX XXXX XXXX and I am now currently several payment behind due to the lack of communication from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/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 2023-02-11 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: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00}

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 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2023-02-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I hope that I am at the correct spot, for I have sent my complaint to all the places I was told to. 
For years I have been a victim of identity theft, I would file the paperwork and it would just get pushed to back and forgotten about. The last two years have gotten really bad with the identity theft. 
I was recently served with papers being sued by Capital One in the amount of {$3900.00}. I have talked to Capital One and XXXX XXXX Firm about the situation and advised them that this is not my account, it is fraud, and I reported it back in XXXX when I first saw it. Capital One stil says they can not find any actions of fraud as it is under my name and social security number. 
Back in XXXX Capital One did have a huge data breach, I am not saying that this is because of that, but I did let them know that even the external bank attached the account is not mine. I had never heard of XXXX XXXX I spoke yet once again with the sheriff 's department, got another case number for the XXXX time. I have filed all proper paperwork, and I am just tired of this all. Because I have filed so many times the officer just took a verbal statement and added it to the file so that I wouldn't have to fill out the paperwork again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: NC

Complaint narrative:
My information for Public service loan forgiveness was sent to Mohela from XXXX  XXXX XXXX and listed as processed on XX/XX/XXXX. I had already been certified for 117 payments by XXXX  XXXX back in XXXX, XXXX. 

My mohela payment tracker was not updated accurately. I was informed in late XXXX, XXXX that mohela had nothing from XXXX  XXXX and to resubmit forms, which I did by XX/XX/XXXX. I was promised 90 days to process. In XXXX, XXXX, my PSLF forms were listed as processed but inaccurate payment tracker counts and missing dates ( XXXX, XXXX through XXXX, XXXX completely missing ). Also missing over 2 years of payments for which I submitted employment certification forms. By XXXX, XXXX, I had already called on 8 different occasions to obtain accurate updates. I was told on XX/XX/XXXX that an employment form was misread and instead of 24 months of certified employment, it was recorded as 1 month and for the wrong year. I was also told to wait as I had been told all the times previously for the payment tracker to be updated, that the same form I had submitted 5 months prior had to be re-processed. 

I submitted all the required paperwork and employment certification forms for over 120 payments ( of 156 eligible at this point ) but due to repeated, multiple mistakes on MOHELAs part, I am still waiting. My account is still inaccurate despite multiple calls to correct it. My forms should have been processed in the promised 90 business days back in XXXX, XXXX. I refuse to wait another 90 days every time Mohela miscounts the dates on my employment certification. 

If this was any other type of customer service, it would be appalling. I have submitted certified employment proof of at LEAST XXXX20 payments of 156 eligible payment periods. I should not have to wait beyond the promised 90 days, especially when the REPEATED and seemingly intentional mistakes are by Mohela. Every time I call, the re-processed form was somehow grossly misread, resulting in mohela telling me to just wait another 90 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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: FL

Complaint narrative:
It has come to my attention that XXXX XXXX  is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to XXXX USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX  15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration

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 2023-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It has come to my attention that XXXXXXXX XXXX is a Debt Collector in accordance with the FDCPA XXXX USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: CA

Complaint narrative:
I am a consumer by law. I did not submit this in error. I didn't give my written permission to use my private information. I'm seeking compensatory damages.

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 2023-02-11 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:
Im order for there to be truth in lending and for me as a consumer to be able to get the best financial opportunities in the markets, CONSUMER REPORTS SHOULD BE 100 % ACCURATE

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 : It also states 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 2023-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
Square up is committing Fraud by accepting a credit card payment during a money transfer and then changing their policies mid course preventing the consumer or seller to obtain the funds and thus committing fraud.

Square has refused to allow me to refund the consumer or to deposit the funds so to allow for a refund or payment for services. 

There is now over a thousand dollars in the account which was blocked for no valid reason. 

Square is now demanding to assess the business account transactions, over the past three months, of which we never agreed to as this would allow for fraud to take place.

With this kind of sensitive information, the accounts can be hacked.

They are now asking for the User Name and Password of the bank accounts, to release the funds, which would allow them free access to all of our accounts and which we would never allow. 

On XX/XX/XXXX Square compromised our account and then said that the account was now safe, when in fact is was not.

I want my own private bank to take over our merchant services and to close this account as soon as possible.

Square is next to impossible to reach by phone and provided disinformation to me regarding my account.

Square has insulated itself from merchants being able to report fraud, as what happened in my case on XX/XX/2022 when my account was hacked. 

Square promised to correct the situation, which apparently it did not.

Rather they set up a series of road blocks preventing merchants from accessing their funds, while allowing back actors into the merchant accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  Act # XXXX XXXX/Dept of ED Act # XXXX has violated my rights. 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. section 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. 1666B : A creditor may not treat a payment on a credit account under an open end consumer 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 2023-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
They have added numerous of collections form the same company which dont know anything about

Company response to consumer: Closed with explanation