vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: WV

Complaint narrative:
According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/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 2023-05-12 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: EQUIFAX, INC.
State: WV

Complaint narrative:
According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: WV

Complaint narrative:
According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, ( WAKEFIELD & ASSOCIATES ) Has violated my rights. 15 U.S. Constitution 1681 section 602 A states i have the right to privacy. 15 U.S. Constitution 1681 section 604 A section 2. Its stating that the consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a Virtual Wallet Performance Select account with PNC Bank on XX/XX/2022 with a required {$5000.00} direct deposit within 60 days to earn a {$400.00} sign up bonus. My work took too long to process my direct deposits, so I called PNC Bank and downgraded my account to Virtual Wallet with Performance Spend that had a required {$2000.00} direct deposit within 60 days to earn a {$200.00} bonus. I was told by the customer service representative who downgraded my account over the phone that if I direct deposited {$2000.00} by XX/XX/2022 that I would receive the {$200.00} bonus. This is the reason why I downgraded the account. It is now XXXX and I still have not received the bonus after having direct deposits to PNC Bank all this time. I called PNC to check on the status of my bonus, and the representative told me I originally signed up for the Performance Select account so I would not receive the Performance Spend bonus of {$200.00} that the representative told me I would receive after downgrading. I told them I was told that I would receive the bonus and that I was told deceiving information and that I was not happy. A couple days later another representative from PNC called me. I told her about the situation. She told me that I would not get the money, but she could still put in a complaint to PNC " to try '' to get the bonus. After the complaint, I never received the bonus. It is very frustrating that I have been making direct deposits since last year and the bank is taking advantage of me. PNC Bank owes me the {$200.00} bonus they promised me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-12 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. 

A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( syncb/pc Richard XXXX XXXX XXXX ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws 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 2023-05-12 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had eight ( 8 ) late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : Enter Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I am a Spanish citizen named XXXX XXXX, I have an account at the XXXX company coinbase.com, for many years, I have always had it to save a little and save it, which is my surprise that today XX/XX/XXXX XXXX I receive an email that my account is blocked and they won't let me operate or do anything, I write to support and they laugh at me as if to say, I have more than XXXX euros right now, what is happening?? I think that after years with them they have no reason to block my account and lose everything. My registration email is XXXX. Please help me solve my problem. I feel totally cheated and losing my little saved money. Thank you very much. greetings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX, ( American Collections E ) has violated my rights. 15 U.S Constitution 1681 section 602 A states i have the right to privacy. 15 U.S .Constitution 1681 section 604 a section 2. its stating that the consumer reporting agency can not furnish an account without my written instruction.

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
As of XX/XX/2023 Qualia Collection Services is reporting a collection account with the 3 credit bureaus ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$110.00} I have been disputing this account with the 3 credit bureaus for years. I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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:
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I submitted to use affirm for {$750.00} - {$180.00} four times. 

I just received response from my credit card company that I have to submit the complaint to affirm since it was a third party transaction. 

The {$750.00} was for a payment to XXXX XXXX & it was for a convention that was supposed to happen XX/XX/XXXX. The event was cancelled the day of when it was supposed to happen. I could not request a refund in the period that affirm allows because of the circumstances. 

I would have filed with affirm dispute in XXXX had I known before a couple weeks ago from XXXX ( the card I used to pay for the loan ) had told me that is what I needed to do. 

I can not contact the merchant for a refund due to the emails no longer being active and no active phone number. 

The event was cancelled and no one was provided money back - so it did violate the terms & conditions that we had agreed to when purchasing the tickets. 

I attached the cancellation event email & the letter I just received a couple weeks ago about affirm being involved - which again I did not know before the date of that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: ENOVA INTERNATIONAL, INC.
State: NY

Complaint narrative:
CashNetUSA ( https : //www.cashnetusa.com/ ), a Payday loan provider, fraudulently charged my checking account via my debit card XXXX payments of {$500.00} on XX/XX/2023 ( total {$1000.00} ). 

I have never heard of CashNetUSA, and I have never taken a payday loan from them or anyone else. I have called them ( XX/XX/XXXX conversation with Cust. Service Rep XXXX XXXX ) to confirm that I do not & never have had an account with them. They will not submit my claim to their fraud department unless I have a police report ( XX/XX/XXXX conversation with CSR XXXX ' ), but my local police will not file a police report without a notarized letter from CashNet saying I was defrauded ( XX/XX/XXXX police visit ), which CashNet will not provide, so I do not have a path forward. 

I have cancelled my card with my bank and the bank has launched an internal fraud investigation, but CashNetUSA is knowingly accepting fraudulent money as they have confirmed with me that, according to their own records, I have never done business with them. If needed, I have recordings of these phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
I called the company on XXXX at the request of my bank and requested a 10 day pay off letter. They refused to provide me with this. Stated that I could just send them the amount due on my next billing statement. I explained that I was having the bank issue a check to pay the balance and did not want to accrue any further interest. They continued to refuse to provide me with the payoff letter. My bank issued a check to the company in the amount on the statement. The tracking number provided shows the company received the payment on XXXX. The payment has not yet been posted to my account which has now accrued an additional {$100.00} in interest charges. I called the company and they advised me that they are not required to post the payment to my account until the XXXX, regardless of the fact that they have the payment. Therefore allowing them to continue to accrue interest charges. I do not feel that I should be responsible for any interest that has accrued beyond the amount that the check was written for considering they refused a 10 day payoff letter and are now refusing to post the payment to my account

Company response to consumer: Closed with monetary relief