vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: AL

Complaint narrative:
On XX/XX/2020, ED FINANCIAL SERVICES L Opened an account in my name for Education Loans in the amount of {$3000.00} and {$3200.00}. I tried to contact them several times on or around XX/XX/2020 in regard to this matter, however, I was being transferred to all the wrong departments and didn't receive any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/23 I deposited a check made out to myself from the XXXX XXXX of Massachusetts for {$20000.00}. I received correspondence that the check was received however they were afraid it would be returned and therefore the bank was waiting until XX/XX/23 to clear the check. All of this was fine. Subsequently on XX/XX/23 when I went to make a purchase for {$5.00} which was already available in my account the charge declined. I checked my banking app and noticed there was a freeze on my account. The XXXX number they have listed and direct you to goes straight to a voicemail where I left numerous messages and got NO return call. I then went through the phone prompts on XX/XX/23 as if to dispute a transaction and got to a live representative. After speaking to the fraud specialist I explained my situation provided the phone number to the county clerk whom issued the check. The representative from the bank contacted the clerks office by phone. I also emailed the receipt proof that the check was made out and intended for me. Capital One informed me the freeze would remain for an undetermined amount of time which is preposterous. How is it possible for a financial institution to legally steal your money for an indefinite amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: AZ

Complaint narrative:
I have two medical collections in my Experian credit report under {$500.00}. One is not even mine to XXXX and the other to XXXX XXXX, I have disputed but Experian does not give me an explanation of why it is still there. My understanding is that staring 2023  XXXX XXXX under {$500.00} are no longer going to be reported as per the CFPB. If this is the case then neither of these two collections for medical, should be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - after several attempts to access my credit information on the TransUnion website I called their office at ( XXXX ) XXXX for assistance. After being online for exactly XXXX minutes and speaking with two individuals ( the last of which was a supervisor by the name of XXXX ), I was informed that TransUnion has unilaterally decided to lock access to my credit information on their website so that I nor anyone else can access the information. Allegedly they took this unilateral action to protect my personal information from someone that allegedly tried to access my credit report in XXXX!! I was never informed of such action, and never consented to such action. It does not make sense for TransUnion ( or any credit reporting bureau ) to unilaterally block the owner of the credit information from gaining access to their own information. I have no idea what information is on the TransUnion website that may be inaccurate or fraudulent because I can not gain access to review the information. I was told by the TransUnion customer care supervisor ( XXXX ) that there is nothing I could do to remove the block. As a result, I am permanently unable to gain access to my credit information on the TransUnion website, which is a violation of my rights under the Fair Credit Reporting Act.

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 2023-02-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I HAVE REPORTED THIS BEFORE SAME DISPUTE DIFFERENT COLLECTION AGENCY MY IDENTITY WAS STOLEN & I NEVER HAD A XXXX XXXX. ( See Below ) XXXX XXXX, I was assigned to investigate the XXXX XXXX account associated with the fraud packet that you submitted to XXXX XXXX. I attempted to contact you via the telephone number provided in the packet but was unsuccessful in reaching you. Unfortunately in order to proceed with the investigation you would need to file a report regarding Identity Theft with the XXXX XXXX XXXX XXXX XXXX  Department ( due to the fraud address being in their jurisdiction ) and provide us with a copy of the report. Once the report is filed with the XXXX Department XXXX XXXX XXXX will work with Law Enforcement in order to pursue criminal charges against whomever used your Identity without your consent. If you have any questions please feel free to contact me at XXXX, or via the cellphone number provided below. Have a Great Day!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Mon XX/XX/2021 XXXX XXXX  Sir, like I mentioned in my original statement, I'm A XXXX XXXX. We are in a XXXX, Due to my XXXX & XXXX XXXX, I went completely out my way to have the affidavit notarized. When my vehicle was broken into, it was under a {$100.00} worth of valuables stolen. I don't deal with the POLICE. I have had BAD experiences with XXXX XXXX XXXX XXXX XXXX Department. This is a total Nightmare, all I like is to get this off my Credit Report. XXXX does not have any compassion for Identity Theft, XXXX XXXX  or the fact we are in a Life Threating 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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
While going through my credit report I noticed a new debt of {$5500.00}. I went to look at it to see where it was coming from and have no idea who the debtor is. Theres no information as to any they are either ( in other words it well tell you who the original debtor was and theres no information ). The company is Rent Recovery solutions out of Georgia where I have never lived. It was only showing on one credit report as well. I placed a fraud alert on my credit reports.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


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

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it 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
Consumer complaint received 2023-02-02 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they reporting right or wrong I am saying that I am not XXXX percent sure if they are. I also read something called the fair credit reporting act were it said I have the right to challenge anything I am not sure is accurate. Are you familiar with something called 15 U.S.C section 168i ( a )? I heard that if you cant not provide proof these accounts must be deleted if they are XXXX percent right and correct. So could you please check on this and get back to me? I saw on a credit site and board where this lawyer said you have 30 days to complete this investigation please investigate the following account and remove them if anything is missing or not correct on them. In accordance with the fair credit reporting act in accordance with the fair credit 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: AR

Complaint narrative:
Someone called my cellphone and stated that my husband had taken out a payday loan in 2017. They had the last four of his social. I stated that he never took this loan out and if I needed to contact a lawyer I would. He said have a nice day and hung up. Im very concerned they have personal info on my husband and my cellphone #. The # they called from was XXXX XXXX XXXX XXXX XXXX. What can I do to protect us from identity theft.

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

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ON XX/XX/2022, MY XX/XX/2022 RECORDED CALL FROM XXXX AT XXXX WAS PROVIDED TO THE COLLECTION AGENCY, XXXX XXXX XXXX XXXX. IN DISPUTE OF A XXXX DOLLAR COLLECTION FROM XXXX. IN THE CALL, XXXX MAKES CLEAR THAT I AM NOT OBLIGATED TO PAY THIS. SHE SAYS : YOU WILL RECEIVE NOTICE CHARGE OF XXXX DOLLARS WILL BE AUTOMATICALLY CREDITED TO YOUR ACCOUNT, WE ARE GOING TO WAIVE IT FOR YOU, YOU DO NOT NEED TO WORRY ABOUT IT, TICKET NUMBER XXXX. XXXX XXXX HAS THIS PROOF THAT I AM NOT OBLIGATED TO PAY THIS, BUT THEY REFUSE TO REMOVE THIS SLUR FROM MY CREDIT REPORT. TODAY, XX/XX/2022, I DISPUTED THE CHARGE AGAIN BY CALLING XXXX XXXX WHO REFUSES TO DO ANYTHING MORE THAN KICK IT BACK TO XXXX. 

Recorded call XXXX  link ( video file ) available until XX/XX/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 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: IL

Complaint narrative:
I received a letter from this company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Stating that I still owed a debt to XXXX XXXX XXXX, XXXX in the amount of {$50.00}. 

I sent them an email on XX/XX/XXXX stating that I had paid this debt back in XXXX of XXXX. I received a response email from this person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX ext. XXXX XXXX  on XX/XX/XXXX asking if I could provide proof, which I did in my email back to him on XX/XX/XXXX. He then went and reported the debt as open to the credit bureau 's on XX/XX/XXXX, even though I had already provided proof of this debt being paid two years ago! I'm asking CFPB to help close out this fraudulent claim. Thank you!

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been banking with J.P. Morgan Chase for over 5 years. I have a personal checking and savings account and a business checking account with J.P. Morgan Chase. Currently, 98 % of my funds are with Chase and all of my business funds go into my Chase account. I opened a new business savings account on XX/XX/XXXX with J.P. Morgan Chase in XXXX, Texas. On XX/XX/XXXX I received a text message from J.P. Morgan Chase informing me that they had " reviewed your business account ending in XXXX and need more information from you. To avoid disruption to your business, please call us at XXXX or visit a branch by XX/XX/XXXX. '' I also received a couple of calls on that date from the banker that I worked with. I called back on XX/XX/XXXX and was informed that they needed a copy of my Driver 's License. I went into the branch on XX/XX/XXXX and turned in a copy of my license. Once turned in, the branch rep scanned it and returned it to me. After returning it, she casually asked about my social security card, which I did not have. She said she would check and see and they would let me know if anything else was needed. Later that day, I spoke with the banker and he let me know that compliance needed a copy of my Social Security Card. After discussion, he updated my address and told me that that may do the trick. I didn't hear anything else until today, XX/XX/XXXX when I went into the branch to make a deposit. While in the branch, I spoke with the banker who informed me that a copy of my SS card would still be needed. I informed them that I had lost the card and needed to request a new one. It would take 2 - 3 weeks for me to receive a new card, so I asked that I get an extension. Unfortunately, they were not able to provide an extension, but gave me a number to compliance. I reached out to compliance and they reinforced the XX/XX/XXXX deadline. They told me that there was nothing that they could do and that they have no choice but to comply with XXXX regulations. I informed the rep that I understood, but needed more time to obtain the document from Social Security. My attempts to get an extension were met with no understanding and now my funds will be frozen on XX/XX/XXXX and my account will be closed on XX/XX/XXXX if I am not able to submit the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


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

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it 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
Consumer complaint received 2023-02-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX, and XXXX to remove old account information which still appears on my credit file. These accounts have all be paid and or written off.

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