vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe 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 2024-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe 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 explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have asked capital one to please not help me after I settle with the payment due to hardship during Covid and I wasnt snow to pay. Theyre not willing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The balance for my total card is incorrect for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The balance for my total card is incorrect for account ending in 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had paid this account. I did not receive any notice for it being 30 days late. When I went to pay the account on my XXXX, it doesnt let me pay without calling. I tried calling and nobody would answer. I paid the full amount as soon as I could to make sure this wouldnt affect my credit score

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 2024-03-04 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: MN

Complaint narrative:
I provided FTC ID THEFT REPORT to Experian to block XXXX XXXXXXXX XXXX XXXX XXXXXXXX. They blocked it but claimed that creditor sent information to certify the account and they added the account back to my report. 
According to FCRA ( 15 U.S.C. 1681 et seq. ). when a credit reporting agency receives a completed ID THEFT report it must block the information from the credit report or it must provide the consumer the supporting documents used to not block this account. I was not provided with any supporting documents that this account belongs to me, no evidence was provided.

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 2024-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I was to purchase something from someone and they never sent the product im a XXXX XXXX XXXX XXXX XXXX that lost everything and this guy stole {$650.00} from me and cash app refused to help me get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the morning of XX/XX/2024, I received my income tax return into my capital one 360 account, not even a week later my account was restricted and none of my funds were available for withdrawals. Capital one never tried to reach out to me despite having my email and number. My account was reviewed and they made a final decision to close both accounts in the spand of 4 days. I was not offered to be transferred my funds and I am also not able to access them in branch as I was told. I stressed to the operator that I am trying to move along with my XXXX kids and she was nothing but rude and mean to me and my daughter when we expressed concern about our accounts and the situation. We are highly upset and are still without our funds from Capital One. My son also receives social security benefits into my account which has never has issues before. Once we contacted Capital one we werent able to get any type of information as to WHY the account was closed besides irregular activity. It is now XX/XX/2024 and I still dont have a check or access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Progrexion Holdings, Inc.
State: FL

Complaint narrative:
Back in XXXX of XXXX I paid {$110.00} to is credit repair.com services. Since companies under dispute were informing me they needed proof of ID or authorization that I gave credit repair.com permission to work on my behalf. However, the information I provided to credit repair.com was not getting to the correct department based on the email information provided to send in correspondences. Since a month passed and the company was not able to assist or provide service I requested a refund for the {$110.00} and to cancel my services. I was approved for the refund on XX/XX/XXXX and received email from company stating it was approved and my account has been closed as of XX/XX/XXXX and as a courtesy, my member site will still be accessible for up to 60 days following the cancellation. However, the company is still trying to charge me as if the account is still opened and they keep sending me harassing emails stating my services are suspended when the account has been closed and refund for original amount I paid was already refunded as of XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have XXXX business accounts with Wells Fargo. On each of the following dates we had {$25000.00} taken from the accounts. XX/XX/XXXX. ; XX/XX/XXXX. and XX/XX/2024. I noticed on the afternoon of the XXXX. at which time i wen to the bank the next morning ( Thursday the XXXX ). I sat down with one of the bankers and reported it. The banker tried to help me reset the password to the my Wells Fargo App. However, it seemed like someone had infiltrated and programmed and locked in another telephone number. We found ourselves having to close both bank accounts and deleted the Wells Fargo App. 
Thereafter, the bank representative connected me with the fraud department. At which time they asked me a series of questions ... ... ... .. Did i loose my phone? Did I replace my phone? Did I share my password with anyone? Did loose my debit card? All of which i replied NO. Thereafter, it was conveyed that an investigation would take 10 days. Upon the 10 days elapsing. I tried calling the fraud department numerous times. But was not able to reach them. I went to the bank this Friday again. I was put in touch with the fraud department. They conveyed they though I shared my password... I replied that was absurd! and was NOT SO! I have in touch my attorney since. And have escalated the claim ... May also state. That i have been banking with this bank for many years and have been in business for 25 years and while i have had only similar issues with the same bank ( not other banks ). Its extremely upsetting to know that the bank has such a lapse in security! There is certainly an issue with there online security that needs to be shared with other consumers! Wells Fargo reference case reference are as follows : # 's XXXX and 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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
During my 3rd transfer through moneygram, the finances was taken from my financial institution but was not delivered at the time that was given. I put in a complaint and was told that it would take 30 to 60 days of receiving a refund/or depositing finance in the receivers account, which that long time frame should be unexceptable for and company making money off of the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I initially applying for an IDR payment plan on XX/XX/XXXX. The plan continued to say it was in review up through XXXX this year. On Mohela my payment continued to be set at a " level '' payment plan and was about $ XXXX higher than what my IDR payment was supposed to be. I messaged Mohela a couple times about this and they sent back generic replies that did not address my issue. I first messaged on XX/XX/XXXX, their first reply to me on XX/XX/XXXX addressed nothing about the fact that I was still waiting for the payment plan to process : " We apologize for any inconvenience this may have caused. While servicing your loans, we are required by the Department of Education to establish a repayment plan that fully satisfies the principal and interest in the remaining term provided. Your account has been recalculated with the appropriate payment amount for the loan balance and remaining terms. '' At one point on my account I was being told of XXXX different amounts for monthly payments, one being a notification that I was set up for Auto-debit. I messaged on XX/XX/XXXX, their response to this on XX/XX/XXXX included, " As of this writing, our records indicate that your account is currently 7 days delinquent with a past due amount of {$310.00}. The next payment is due on XX/XX/XXXX. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' Again, I messaged on XX/XX/XXXX saying that my initial payment plan application never finished processing. I informed them I would fill out a new application and wait for my account to update. This was their response on XX/XX/XXXX : " As of this writing, our records indicate that your account is currently 14 days delinquent with a past due amount of {$200.00}. The account is delinquent as of XX/XX/XXXX. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' This has been very frustrating. I am unable to pay the {$500.00} payment they are asking right now, and it is not the payment amount I was told I would have when I filled out my application in XXXX. Their responses never acknowledged my IDR application, but I can see it on studentaid.gov under my acitivity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
There are TWO problems on my daughter 's FASFA account managed by MOHELA ( www.mohela.com ). ( 1 ) Payment {$1700.00} toward unsub. loan was NOT shown and the interest is adding up continuously although the payment went through her bank account ( attachment shown XX/XX/XXXX payment ). ( 2 ) should NOT have XXXX sub. loan that cancelled as of XXXX XXXX XXXX. I am very nervous about the significant discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-03-04 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-04 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
Apple Card Goldman Sachs opened an unauthorized account under my name. I sent over the ID THEFT Report and police report and they still continue to reporting this fraud account to credit reporting agencies.

Company response to consumer: Closed with explanation