vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/2022, a collection account was reported to XXXX, and subsequently to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The account is under TRANSWORLD SYS INCXXXX for the amount of {$280.00}. This account was opened on XX/XX/2022. 

This account was not familiar so I initiated a dispute with XXXX on XX/XX/XXXX. I had never received any communication from Transworld and had no idea what this amount is for. The XXXX  account information shows XXXX XXXX XXXX XXXX as the Original Creditor. On XX/XX/2022, I reached out to XXXX XXXX XXXX ( aka Dignity Health ) and they can not provide any confirmation of this debt. They suggested contacting the company they use for billing, XXXX. XXXX did not provide any information on this either. They sent me back to original creditor. They suggested contacting Transworld. When I called Transworld, they claim that they do not report to credit bureaus and the original creditor does so. 

I asked them why they have reported such a small amount to credit bureaus only after a month of opening the account and without sending me any notifications. They claimed they have sent a letter on XX/XX/2022. I have not received such letter. But even if the letter was lost in mail, shouldn't they have provided me with a reasonable opportunity, communication, and timeframe to settle the amount with them before reporting it as non-payment? This is all assuming that the {$280.00} bill is a valid bill and not an attempt by either XXXX XXXX, XXXX, and/or Transworld to steal my money. The fact that they keep ping-ponging me back and forth is another issue that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-29 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: UT

Complaint narrative:
I've been in the process of XXXX loan forgiveness. Was transferred from XXXX  to mohela even though I was already past the XXXX payments. Everything is taking months to process, it's impossible to get someone on the phone to explain what is happening, and the entire process has been the least transparent experience I've ever had with any loan or financial service in my life. It's not all on Mohela, also dept of ed., but it seriously undermines the entire point of the reforms to the system in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: DISCOVER BANK
State: NJ

Complaint narrative:
My Name is XXXX XXXX, XXXX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

Discover Credit  card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-12-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MD

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experion, please cancel any and all months pertaining to this subscription. I made a mistake and pressed the wrong button. Do not charge me at all... 

Thank you Sincerely, 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
This should serve as a written notice to Chexsystems that XXXX XXXX XXXX wish to put a security freeze on any information on my account.

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 2022-12-29 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: CA

Complaint narrative:
XX/XX/XXXX Three charges were made on my card in California when I was in Arizona. 
XX/XX/XXXX - XXXX  {$110.00} XX/XX/XXXX - XXXX XXXX {$61.00} XX/XX/XXXX XXXX XXXX {$21.00} I saw the charges and reported them to Capital 1, canceled the card and they opened an investigation. XX/XX/XXXX I received a letter saying they didn't believe it was fraud and left the charges on my account. I called the fraud department and they wouldn't help me, I still have these charges on the account. I have not used this account since. I don't even have a physical card. I did not receive a new one. I offered to share any proof that I was not responsible for these charges, as I was not even in the same state and there are no other authorized users but they didn't care. 
This morning XX/XX/XXXX I woke up to a text from capital one about a suspicious charge, I opened my account and there were somehow 5 charges at a a XX/XX/XXXX and a casino in XXXX. 
XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX - XXXX {$6.00} XX/XX/XXXX - XXXX {$63.00} XX/XX/XXXX - XXXX {$30.00} XX/XX/XXXX - XXXX {$1.00} XX/XX/XXXX- XXXX XXXX {$430.00} I called immediately, notified the agent that this was fraud, and asked how it could happen as I have no card activated. He did not give me any explanation but just opened another report. I asked to confirm the card is cancelled/deactivated. I asked for email confirmation but they won't send me anything but a letter. 
The agent on the phone informed me a card was sent on XX/XX/XXXX. I never received a card. I did not activate any new card, and I have now locked my account online. I told the agent this but he did not have any answer for me on this. He kept reading whatever script he had and I didn't receive any helpful information. 
I have been with this company for 6 years and have not had an issue until now. I am so disappointed in the customer service and can not afford these charges that were not me, but are fraud. I don't know what else to do but report this here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX i cashed out of cashapp and its was never deposited to my account i filed a claim and never heard anything back until XX/XX/XXXX i received a email stating they determined i was owed a courtesy payment of {$5000.00} and i would have to make a new cashapp to receive payment because my account was closed i replied and stated i was unable to make a new on because i was in violation of their terms i went on to make the new cash app with the cashtag name @ XXXX and sent them the info and called i was asked to verify my information and the cashapp was closed after i received a email stating they deposited the funds to some one else account with cashtag @ XXXX they didnt verify my personal information or anything when doing so i emailed multiple times to have it corrected and i kept getting the run around now iam being told they can not give me any more support and will be closing my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This account was paid in full when I returned the rental item. Also, I was never late. 
A notice was never sent. The company just put it on my credit report. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Fair credit reporting act 15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account is inaccurate in many ways. I have previously reached out to LVNV FUNDING and the are in violation of law 15 U.S.C. 1692g ( b ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1692e ( 2a ) ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-29 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I deposited, into my Capital One savings account, a bonus check from my workplace of $ XXXXImmediately the next day, Capital One flagged the account and put it under investigation for some reason. The account was frozen and I was not allowed to touch the funds for withdrawal. During the investigation I called Capital One to discuss why the account had been frozen and they said it was just under investigation and they would not tell me more. I ignored the problem while they were investigating the problem hoping it would only have taken a couple weeks to determine there was no issue for my money in my savings account. Throughout the investigation period, Capital One was applying the monthly interest to the amount that was in the account. XXXX  forward to XX/XX/XXXX and I look on the banking app and notice a withdrawal of {$2400.00} had occurred. I quickly called Capital One asking who had withdrawn the funds, since it was a frozen account, and they replied the funds had been sent to the Department of the Treasury XXXXXXXX XXXX Virginia as an unclaimed account and to keep my eye on a website named XXXX to go and claim my money from the state. After this phone call, on XX/XX/XXXX, Capital One sent me a check of {$0.00} because they officially closed out my account for good so I could not access or investigate further. I contacted the claims department in the Department of the Treasury XXXX XXXX  Virginia and they sent me and inquiry form to fill out to determine if the money had indeed been handed over to them. The Department of the Treasury XXXXXXXX XXXX Virginia received my inquiry on XX/XX/XXXX and sent a reply letter. According the Department of the Treasury XXXX XXXX Virginia, I need a letter from Capital One stating the amount sent, date sent, reported name, and the account number. I have contacted Capital One XXXX separate times to acquire the aforementioned letter from them and every time they say they are going to send the letter to my current address and nothing has even become of that letter. At this point since both Capital One and the Department of the Treasury XXXX XXXX  Virginia say they do not have my money, I am not sure where it has disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Received previous emails and now I have received a letter from Transworld systems Inc. saying that I owe {$80.00} to XXXXXXXX. They have no record of the reference account number. I spoke to four different XXXX and finally consumer relations team told me that this is a scam and many people are getting these letters to just disregard it. 
Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist is repeatedly delaying the processing of my payments and is charging me late fees. 

All of my payments were sent via TD Bank Bill Pay and were scheduled to arrive prior to the payment due date. 

I have called Truist about this issue and to have the fees reversed. But to date, they have only reversed one {$27.00} fee. 

The following fees have been charged to my account. 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$38.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist reversed XXXX {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ).

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