vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
In accordance with the fair credit reporting act XX/XX/XXXXAccount # 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 an account without my written instructions.

I have sent 3 letters for a 3 credit bureaus on XX/XX/ and have not gotten a response. The open dates are inconsistent on all 3 bureaus.

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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I signed up with XXXX, a debt solution company, to help settle multiple open end credit accounts in XXXX up thru this year, XXXX. I originally had an account with XXXX that was added to my program and somehow XXXX removed this from my list of accounts which they claimed was removed due to confusion from midland credit debt collection company having multiple accounts. I was made aware of the account not being in my XXXX  XXXX program because I received a court summons in the spring of XXXX. 

Once I received, I contacted clear one who was able to add the account to my program, in which I also added hundreds to thousands of dollars in order for the negotiations to be reached and a settlement agreed upon with midland credit agency. I was advised by clear one that I did not need to go to court and all items have been taken care off. 

XX/XX/XXXX, I received noticed that my program was complete and all debts settled. 

Fast forward to the end of XX/XX/XXXX, I received a copy of a request for garnishment of wages that was filed by midland credit attorneys on an account that was already had an agreed settlement. I promptly called clearone advantage who advised my to contact midland credit as I no longer had accounts open with them and advised midland credit agency should speak with me. I called midland credit who would not discuss my account due to my representation. Therefore, I contacted XXXX XXXX back, filed the complaint and asked them to reach out to them to have this stopped due to the previous PAID and SETTLED account. XXXX XXXX advised this could take up to 2 weeks and someone would contact me back.

I had to call clear one multiple times to get an update, the negotiations department does not take calls from customers, the management would not call me back and on XX/XX/XXXX, I received a notice from my employer that my wages would be garnished for 25 % of my paycheck which is more than what I owe. To this date, no one seems to care besides 1 agent, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX who continues to call me even though there has not been updates. Her management has not called per her and my request. Even though she is does not have the authority to help, she at least talks with me to ensure she continues to escalate and try to get someone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an erroneous reporting made by Self Inc to the credit bureaus, which has adversely affected my credit score. I discovered in XXXX that an account under my name with Self Inc had been reported with late payments, despite the fact that I did not open this account and had no knowledge of its existence until then. 

Upon discovering this, I immediately contacted Self Inc to request the closure of the fraudulent account. However, despite my request, the account remained active. Furthermore, when I asked Self Inc to provide verification that I had indeed opened the account, they failed to provide any useful information that could ascertain the legitimacy of the accounts opening. 

This incorrect reporting has not only impacted my credit score negatively but has also caused me a great deal of stress and inconvenience. I have taken steps to resolve this issue with Self Inc directly to no avail. Therefore, I am seeking the assistance of the CFPB to investigate this matter and to ensure the necessary corrections are made to my credit report promptly. 

I am willing to provide any further information or documentation required to support my case. Please feel free to contact me at ( your contact information ). I earnestly look forward to your prompt intervention to rectify this erroneous credit reporting. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NC

Complaint narrative:
In XXXX my wife  had XXXX my bill was due on XX/XX/XXXX. I have had perfect payment history on all my bills credit over XXXX never been 30 days late on any credit card. I got an alert text from Discover that my bill was due on XX/XX/XXXX I went in made a payment and it cleared on the XXXX for XXXX dollars well over the minimum due. I did not realize I was ever late on my credit card I got an alert from XXXX XXXX  that I had missed a payment. I immediately called Discover Bank they said I missed XXXX and that I paid on the XXXX of XXXX I was considered 60 days late. My credit went from XXXX to XXXX. I apologize explain to what happen they said sorry to hear that but there is nothing they can do. I have an opportunity to work at XXXX as a XXXX XXXX however my minimum credit score has to be XXXX now I will be losing this great opportunity because of this miss payment on my credit. I offered to fully pay in full they said they can not do anything. I told them I read up they can do a Goodwill Deletion they refused completely to help me. I do not know what else I can do. This really hinders me and cost me my partnership with XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX  XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, IP address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my early warning report and XXXX that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX  XXXX XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, XXXX address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my XXXX XXXX XXXX  and chexsystem that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Complaints were filed on XX/XX/2023 and all i got was feedback provided and company responded i tried to apply for loans but were denied do to negatives on my credit report which is a violation of 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
Despite satisfying the requirements of Public Service Loan Forgiveness ( PSLF ), Mohela, my student loan servicer, has not updated my qualifying payment counts and has not forgiven my student loans. 

My loans and my employment satisfy the requirements for PSLF.

I have routinely filed Employment Certification Forms ( ECF ) with my student loan servicers. In XX/XX/XXXX Mohela correctly reflected that I had made 108 qualifying payments based on my most recent ECF. 

On XX/XX/XXXX, I submitted my final ECF to Mohela because I had completed enough payments to qualify for forgiveness under PSLF. 

On XX/XX/XXXX, the form was marked as " processed '' on Mohela 's website. 

As of today, XX/XX/XXXX, ( 139 calendar days and 96 business days since the submission of my final ECF ) my payment counts have not been updated and still reflect 108 qualifying payments. Mohela has not contacted me that there was any issue with the form and has not taken the action the form requires. This is an unreasonable amount of time to wait. I am entitled to forgiveness now.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint to CAPITAL ONE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Contacted Citi AAdvantage on XX/XX/2023, in regards to a credit card statement I received with purchases that were not made by me. The company has terminated this card and I will not be charged for the purchases and or fees

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
On XX/XX/2023 I made a transfer of {$10.00} I made a transfer to Robinhood Financial with the intention of purchasing XXXX and to make sure I could make the transaction successfully. The transaction was successful. On the XXXX of XX/XX/2023 I transferred {$50000.00} to Robinhood. On the XXXX of XX/XX/2023 I transferred {$4700.00} to Robinhood. These funds were to be available to me on the XXXX and XXXX of XXXX to enable me to purchase stocks or crypto assets. On the XXXX of XXXX I purchased crypto ( XXXX  ) for {$50000.00} at the price of {$25000.00} after which I tried sending the assets out of Robinhood to my personal wallet. Error messages came up stating that the amount exceeded how much I could send. When I tried again an error message came up stating my account is restricted from withdrawing crypto at this time. I gave it a 24 hour wait time to retry again but still got the same message. At this time I had {$49000.00} as my crypto assets and {$4700.00} as my cash holdings. This was on XX/XX/XXXX. I tried several times that day but the same message kept popping up so I had to contact support about the situation.I was told that my account was under review and would be processed within 3-4 days max. On the next day ( XX/XX/XXXX ) I got an email requesting my bank statement which I sent them. I didnt get any messages from them until the XXXX of XXXX when I contacted them to ask about the process. I got no response until the XXXX of XXXX when they told me they were waiting for me to send the bank statement. I resent the statement to them. They said it would take 7-10 days. On the XXXX of XXXX I called them again because it was taking too long and because I am a XXXX XXXX  I wanted to make sure that I got my money back. On the XXXX they sent me an email saying they were closing my account with them and they would be selling off my assets to refund the money. On the XXXX I received an email that my stock was sold on the XXXX of XXXX I was told they would be in contact about how I could withdraw the money. I also got another email that my Crypto was sold for {$26000.00}. The market value on that day was {$27000.00}. After that I didnt get any messages from them so XX/XX/XXXX I tried withdrawing from the account but the restriction was still there. I contacted them on XX/XX/XXXX to know when the funds would be available in my XXXX XXXX XXXXXXXX account in XXXX, Utah and was told it would take 15 business days or whenever they got around to it. Meanwhile my bank account was closed at XXXX XXXX XXXXXXXX probably due to lack of funds. I will need to have other arrangements made to send the money to me. I have read stories from others who have had difficulties getting there money from Robinhood and I believe without your help they intend to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
Unfortunately due to a health emergency and only having one income and barely getting by, I fell for a very high interest ( 299 % ) loan. Within 2 months I now owe XXXX more than the loan itself. After doing research I come to find out it is federally illegal to charge that much interest and Usury Law in Illinois where this company is based out of says any contract over 9 % interest is voided. I am trying to settle with them and they are not having it. With all the research I have done I am willing to take this to court if needed but figured I would reach out here first. They told me a manager will be in touch via phone and I told them I will not be accepting any phone calls. They can contact me via email only. I need help. I have the money to pay off the amount borrowed. Thank you

Company response to consumer: Closed with explanation