vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : 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 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HK Recovery Group Inc.
State: NY

Complaint narrative:
I am writing to make a complaint against HK Recovery Group , Inc. who collected a money judgement for me that I previously petitioned the courts to approve. My case was initially won in city court against previous rental occupants who refused to pay their rent. A judge granted me an approval to seek a judgment against the defendants. I placed a judgement against the defendants at the judges request, but was unable to collect on the judgement. I contacted HK Recovery Group , Inc. to assist me with getting the monetary judgment. 

I received a letter and check from HK Recovery Group Inc., dated XXXX  in the amount of {$38.00}. The letter attached to the check was itemized for their services rendered. The total amount of the check was for {$410.00}. According to HK Recovery Group , Inc., their services are supposed to be 33 % of whatever amount is recovered. I was not informed of excessive expenses and commission fees. The amount sent to me does not add up fairly. And, I am very disappointed and confused with this deceptive act.

I am requesting assistance in this matter. I have provided supporting documents for your review.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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 delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I had taken out a XXXX XXXX XXXX and my ex-boyfriend used to go there. And I don't know who let him resign a loan after we were not together but they did and I thought we had it straightened out but apparently we did not. They were supposed to get it cleaned up and put it on his name. He even had went to XXXX a little bit afterwards. So I don't know whatever happened to this situation. But this is not the cause of me if anything that should be penalized for letting someone else rewrite a loan in my name even though we were together and we came in and did loans together. They still did not make it right that they let him do that. And his name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have contacted and disputed this inaccurate information with all three credit bureaus as well as US department of education with no resolution regarding my obligation to pay securities/money to the federal government for an inaccurate education loan. Nelnet continues to report this inaccurate information to all 3 credit bureaus which goes against my privacy rights act well as the federal student loan act of XXXX. 

The Department Of Education have been past my personal information for security exchanges without my consent or permission since XXXX. 

The Department Of Education have been reporting false and inaccurate information on my credit report which has cause me financial difficulties/hardship. The reported false/inaccurate information strikes as a negative impact on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information for sold and bought illegally Im a victim of that Equifax data breach. I would like any and all negative items from the year XXXX throughout the year of XXXX deleted from my credit report. I have attached the PDF files with proof, I am a victim of the Equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: DC

Complaint narrative:
I started to try to communicate with the company KOVO when I was notified that my credit score dropped by XXXX. KOVO reported that my payments were late. That was inaccurate. I tried to settle this amicably but to no avail that did not happen.

I called numerous times and emailed this company and those calls and emails went unanswered until I started threatening them with reporting them to the FTC. Even when I communicated with them ... they still did not honor their end of the agreement ; which was to fix my credit report.

At this point, I am still dealing with the fallout from this company and its inaccurate reporting.

I have attached documentation to support what I am stating with complete details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear XXXX XXXX XXXX XXXX My name is XXXX XXXX, and I am writing to you with deep concern and confusion regarding the recent closure of my checking account ( Account Number : XXXX - Wires : XXXX ) at Bank of America. 

I have encountered a significant challenge as my attempts to seek clarification and assistance on this matter have been met with limited success. Despite reaching out to various departments within the bank, I have yet to receive any explanation as to why my personal checking account has been apparently closed without any apparent reason. 

I want to emphasize that I am not aware of engaging in any activities that would warrant such action, and I am left perplexed by this sudden development. The closure of my personal checking account has created considerable inconvenience for me, and I am eager to understand the circumstances surrounding this decision. 

Additionally, it's worth noting that my business account, associated with the company XXXX XXXX and domiciled at XXXX XXXX XXXX, XXXX, Texas XXXX, is also with Bank of America XXXX This situation has not only left me personally frustrated but has raised concerns about the status of my business account as well. 

I have been informed that I need to visit a Bank of America branch to allegedly prove my identity, for why? And i am in XXXX for a few weeks for my job, it is impractical for me to make such a trip. Given these circumstances, I find myself feeling helpless in addressing and resolving this issue. 

I am writing to you with the hope that you can provide insights into the reasons behind the closure of my personal checking account and any steps necessary to rectify this situation. Your understanding and assistance in this matter would be greatly appreciated. 

If there are specific details required from my end or alternative ways to verify my identity, please inform me accordingly. I am committed to resolving this matter and preventing any future occurrences. 

Thank you very much for your attention to this urgent matter. I look forward to your prompt response. 

Best regards, 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 2024-01-19 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: NC

Complaint narrative:
On XX/XX/2023 I sent a debt validation letter to XXXX XXXX XXXX to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to TransUnion, XXXX and XXXX XX/XX/2023 requesting they investigate. I also pointed out a number of inconsistencies. TransUnion responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.

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 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
this accout show that it open and it has a past do balance, this info is completelly inaccurate, please remove this illegal info, its a shame how we let these collection keep on distroying people and nothing gets done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-01-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2023 I sent a debt validation letter to XXXX XXXX XXXX to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, XXXX and Equifax XX/XX/2023 requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! XXXX said the same thing. The letter responses are a violation of my right to an investigation. Equifax did not respond at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I sent a debt validation letter to XXXX XXXX XXXX to the address listed on my credit report. I don't recall receiving notice. I don't recall giving XXXX XXXX permission to release my medical information to a third party. I requested that they send me everything that XXXX has already sent them to prove I owe this debt. The amount they are claiming and that I owe them. I asked for some sort of agreement bearing my signature. 

When I did not receive a response. I sent a letter to XXXX, Experian and XXXX XX/XX/2023 requesting they investigate. I also pointed out a number of inconsistencies. XXXX responded back to me at the address I used to send my letter saying they were not going to investigate because they don't believe it was me!!! Experian said the same thing. The letter responses are a violation of my right to an investigation. XXXX did not respond at all.

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 2024-01-19 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: MD

Complaint narrative:
I frequently use the CashApp debit prepaid card for hotel charges. When I arrive at the hotel, the hotel authorizes the incidentals charge on the CashApp card which shows up as a pending charge. Upon checkout, the hotel releases the charge and issues a receipt that indicates if incidentals were charged and the amount, if any. 

CashApp has refused to release the pending charges and follow their own expedite policy regarding releasing authorizations. CashApp continues to hold the authorization/pending charge several days even after the hotel has released the charges and provided written proof of the release. 

Additionally, they refuse to provide information on a formal complaint and escalation procedure to resolve the issue. Their approach is both capricious and without regard to the customer. 

On XX/XX/scrub>XXXX  I requested that CashApp release a {$50.00} authorization for incidentals from a hotel by providing with a receipt from the hotel indicating that I had check out and the final bill was a {$0.00} balance. As of XX/XX/year>, CashApp has not release the pending charge and refuses to release the funds. There was another {$20.00} incidentals authorization from another hotel on XX/XX/scrub>XXXX I provided them with a receipt from the hotel displaying a {$0.00} balance requesting that they release the {$20.00} authorization in accordance with their published and stated authorization release policy. As of XX/XX/year>, CashApp is refusing to release the funds or provide an explanation why these transactions are being treated differently from previous transactions. 

I appreciate the CFPB assistance in expeditiously resolving these issues.

Company response to consumer: Closed with explanation