vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: TX

Complaint narrative:
On XX/XX/22 I submitted a complaint through the CFPB about collection agency XXXX  XXXX because they failed to meet FDCPA requirements and never validated the account that is reporting on my credit report. Since then, XXXX and XXXX have removed the inaccurate account, but Equifax is still reporting this account without any method of validation. The collection agency could not provide a contract with my signature, a license to collect debt in my state, or history of the account hence why it was removed from XXXX and XXXX. Equifax is in violation of FCRA protocol by reporting inaccurate information on a consumer 's credit report. This account should be immediately removed from my credit report, or I will be seeking {$1000.00} per violation. I will attach the letter that was sent to XXXX XXXX in which they could not provide the required information. Equifax should follow suit immediately and remove this account from my credit report. Please see the response from XXXX XXXX attached and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I went to a car dealership to apply for a vehicle and they stated they would only be allowing one bank to pull my credit report. However there were over XXXX hard inquiries. Some from the same bank twice or three and four times. Such as : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This company fails to follow the truth and lending act as well as the fair credit reporting act. They will not follow the law and refuses to show me the original contract. The law states that the original creditor must show consumer the contract or consumers tangible instrument. This is considered discrimination and will non compliance.

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was scammed by an individual claiming to be with XXXX, saying that my account had been hacked and charged {$430.00}. When speaking with this individual and screen sharing with them, they authorized {$590.00} from my account and sent themselves the money through XXXX through my Capital One account. When opening the dispute directly with Capital One, they denied my claim, saying there was no proof of me not authorizing the purchase. Even though I had never authorized this big of a XXXX transaction in the history of having my account open, they claim no evidence of fraud, therefore I am out {$590.00} that I desperately need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
on XX/XX/2023, I bought a XXXX XXXX XXXX at my local XXXX  XXXX  for {$6.00} and added {$150.00} to it to buy my wife a valentine 's day gift. I was able to log into their website, activate the card, enter a pin, and check my balance only on that day ; That would be the last time their website would let me in with the card. When I went to use the card online and for in-person shopping, the card was declined and never worked. 

I went to check the website again, it gave me a popup that said something along the lines of their system was undergoing upgrades, please try again later and sorry for the inconvenience. This popup continued for roughly 4-5 days, until I checked it this week. It said my card was invalid and I should contact customer service. 

Their website does not even have an email address, just some lousy automated number that says my gift card information is wrong, even though I typed it in correctly. 

I called customer service and when I finally got a response, I told the lady behind the call Hey, my card says its invalid on your website and I cant log in. She said Okay let me check your card, put me on hold again, came back and said Sorry your card isnt in my system please log into the website. Then immediately hung up on me. Customer service was absolutely useless and now every time I try to call again, I end up being on hold for hours with no answer. 

Today, XX/XX/2023, I went back to the XXXX where I purchased the card and the manager helped me get more information about my money and the pre-paid card. He told me that the money I put on the card was used the minute I activated the card to a company called XXXX. They told us to file a claim to get my money back and that it can take up to XXXX months before they even look at my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
The law firm sent a collection notice marked as SECOND NOTICE for a non-existing debt. No notice from the toll authority was ever received and no first notice was received from the attorney. I called the XXXX XXXX XXXX XXXX and it confirmed that the only amount ever owed was paid in 2019. No amount was sent for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 mv 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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CO

Complaint narrative:
XX/XX/2023 I applied for a Discover credit card that offered a Balance Transfer I was approved for the card with a {$12000.00} limit During the application, there was a form for a balance transfer. 
I filled the form requesting a balance transfer from XXXX XXXX account # XXXX in the amount of {$2900.00}. I did not receive confirmation that the balance transfer was accepted or pending at this time. There was on information on the application or in either email received on XX/XX/XXXX or XX/XX/XXXX On XX/XX/2023 I received the Discover card in the mail and called to activate the card. 
Account number # XXXX On XX/XX/2023 I created the Discover online account. 
I checked the Balance Transfer page in my account. 
There were no pending Balance Transfers listed at that time. 
I received no indication that there was a pending transfer either via mail, email or in the online account. 
At that time, I still wished to proceed with a balance transfer request, so I put in a request for a balance transfer from XXXX XXXX account # XXXX in the amount of {$3200.00}. 
I received this notice via email : " XXXX XXXX, we got your balance transfer request Here are the details : Transfer Amount : {$3200.00} Financial Institution : XXXX  XXXX ending XXXX XXXX Rate ( XXXX ) : 0 % Estimated Transfer Fee : {$97.00} Offer Duration : 18 months An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 5-7 days. 

Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited. 

And when it posts to your account, you'll get an email from us. '' To clarify, I NEVER received a confirmation like this for my original request either on the approval screen, by email, or by any other form of communication. This is where I feel the error lies with Discover ; the absence of any such confirmation is what prompted me to request another balance transfer. If there had been any indication of pending or accepted balance transfer request in process, then I would have never made a secondary request. 

XX/XX/2023 I received two emails stating that each balance transfer request has been processed. 
This has resulted in a balance of $ - XXXX in my XXXX XXXX I contacted Discover twice to request resolution because there was never any indication that the original balance transfer request was received, pending, or accepted. 
I requested that one or both balance transfers be reversed. This was denied.

I requested that one of the balance transfer fees be refunded. This was also denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Showing the wrong DOB and address 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 2023-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I signed up for a loan/lease with Acima in order to pay for an XXXX XXXX XXXX XXXX. And I pay off the loan incrementally after Ive had the item delivered to me. I did this back in XX/XX/2022. Sometime late XXXX. And I was expecting my item at some point while paying off my loan. Its now XX/XX/2022 and I have yet to receive my item and basically am never gon na receive it even though acima is still trying to charge me for the lease/loan. Ive called them repeatedly asking to get the account closed because at this point Im not receiving the item and Im over it. They keep skating by me. Theyve told me to file a police report for my account because that's the " only '' way they can terminate the lease. I filed the police report online and the police didn't accept it. And when I went to the police station to file it in person, the police wouldnt even let me file the report because they thought filing a report was unnecessary. They believed no criminal offense was made, they told me sounds like you just got into bad business. And Ive called acima back asking them to close the account and yet they still wont let me because they need the police report, which I know isnt true. They dont actually need the police report, they can close my account without it. They just dont want to close the account. I've been holding up my end of the bargain in this process. Taking time out of my day to do these police reports and finding some ways to get the account closed and acima isn't holding up their end. I couldnt care less about getting the money back from them. I just want the account closed and this lease/loan off my credit report but acima practically wont let me do that. This is genuinely a bad company who doesnt care about what their customers want, even if theyve been basically scammed. I never got my product despite paying the lease/loan, now I just want the account terminated and this loan off my credit report. Thats all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: AR

Complaint narrative:
I went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about two weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-10 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: AR

Complaint narrative:
I went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about two weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient has NOT been able to provide proof of my physical signatures on loans that claim that I am a co-borrower. My brother, XXXX XXXX, is the borrower. 

Since Navient is unable to provide my physical signatures, it is clearly unlawful to have me on these private student loans that were taken out to attend the corrupt and now closed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Moreover, Navient loan numbers : XXXX only show my name typed into the blanks for the co-borrower and that is not proof that I signed those private student loans. 

I have contacted my Attorney to prepare for next steps to explore litigation against Navient and plan to contact North Carolina State Attorney General 's office in the coming days to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had inadvertently pre-paid outstanding credit card loan in the month of XX/XX/XXXX, however the term would be expiring in XX/XX/XXXX, the amount is considerable. When I realized this error I immediately contacted Bank of America and the associate assured me that it will be credited in the next statement cycle i.e. in XX/XX/XXXX. When this did not happen I again contacted and was assured that by XXXX XXXX, it will be credited. Today I find it has not been done. 
The last associate today i.e. XX/XX/XXXX advised me that " bank is investigating ' in this matter and can not tell me when it will be refunded, that I was misinformed by the previous associate over phone! Sir, they have to ascertain if amount was debited from my checking and credited to respective credit card account and then make good the whole process. I repeatedly told this and asked what is the 'investigation. ' He did not say anything. The fact is bank is sitting over not only my money but on millions belonging to people like me. If I fail to pay bill late even by one day, the system charges {$35.00} and only one transaction during 18 months ( previously it was 12 months ) could be refunded. Whereas these people are shamelessly not paying my money. The banks have become modern day shylocks and we can neither protect our blood or flesh. This is most unfortunate for an average American citizen who has to bear the evil! The reference number given to me is XXXX. Please help me. Kindly also ascertain if such delaying methods are justified morally, socially and legally-although I am aware the word 'morality ' does not apply to banking, it is a policy not a virtue subject to fine prints! Thank you..there is someone to hear in wilderness..

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 monetary relief