vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an ongoing dispute with XXXX XXXX. They closed my account after I already paid them with my Principal Account. See my first complaint with CFPB Experian said they have the dispute results, but it is not available online. I called their number ( XXXX ), and it is impossible to talk to a representative. I tried many times on many days. 

I need help getting my results.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I requested a debt validation letter from the debt collector and the original copy of the contract with this account with my signed signature.. To which they could not provide, because the accounts were opened fraudulently.. As stated on all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I requested a debt validation letter from the debt collector and the original copy of the contract with this account with my signed signature.. To which they could not provide, because the accounts were opened fraudulently.. As stated on all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
My wife at the time purchase an XXXX XXXX  with my name on it and I gave no authorization to XXXX XXXX or my wife at the time to open this account.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My identity was stolen. Someone has attempted to open accounts at several banks which has resulted in multiple hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint Regarding Debt Settlement and Harassment by Apple Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Apple Credit regarding their handling of my account. I initially received an offer from Apple to settle my debt for a significantly reduced amount. However, when I contacted their credit department to revisit this option, I was informed that the offer was no longer available, and the representative aggressively pressured me into making additional payments.

When I inquired about the possibility of my account being sent to collections, I was initially told it had not been. Later in the conversation, the agent contradicted this, stating she needed to check with the collections department. This conflicting information left me confused and frustrated. 

Additionally, I was XXXX  and later lived in a XXXX XXXX XXXX  at the time I opened the account, which made it impossible for me to continue making payments. Despite my efforts to settle the debt, I have been harassed and coerced into making further payments rather than resolving the issue fairly.

I kindly ask for your assistance in addressing this matter.

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
XX/XX/year> Login PIN : XXXX XXXX XXXX XXXX, We're XXXX -- the company hired to collect on your CheckIntoCash Personal Loan balance. This account was originated by CheckIntoCash and the current creditor is XXXX XXXX, XXXX. We're contacting you about your overdue balance of {$1500.00} for the account ending in XXXX. 

We know having debt that's past due is stressful. That's why we want to help you find a payment option you can afford. 

See My Options Check Our FAQs We'll never charge you a fee for using our payment portal. 
You can set up a payment plan or request a reduced balance at any time. 
Manage the process entirely online, no calls required. 
Have questions? Reply to this email or call us at ( XXXX ) XXXX. 

Best, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXX/XX/XXXXNY XXXX XXXX is a proud member of the XXXX XXXX XXXXnd an accredited member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Ive noticed inaccuracies on my credit report under 15 USC 16c-2. The hard inquiries shown were not approved by me and are damaging my credit. Please remove them immediately.

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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
It was recently brought to my attention by the New Mexico Taxation and Revenue Department that my New Mexico vehicle registration was in jeopardy of being revoked due to lack of insurance. I contacted USAA whom has been my primary banking and auto insurance organization for years. Evidently, from what I have deduced is that an automatic insurance payment was declined on the banking side in XXXX and again in XXXX causing the insurance to be in negligent standing and eventually canceled. I had to reapply for an auto policy with USAA with a lapse on my record causing me to bear a higher premium and pay a down payment to instate a new policy. My monthly payments have now increased and my record flawed due to this. After speaking with several USAA agents no one can explain to me why these payments were declined as there were sufficient funds in my checking account and it was NOT initiated by me. I am again left in the wake of this error having to pay more money and a permanent mark on my driving/insurance record for the same coverage. USAA has been unwilling to acknowledge any wrong doing or make an effort to investigate the issue or offer any sort reconciliation to make this right.

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 2024-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: EXCEL FINANCE COMPANY
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Excel Finance, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for erroneously selling me two insurance policies that was not qualified to apply to the type of personal loans obtained. This situation has caused unnecessary financial strain and confusion, which I believe violates standard insurance practices and consumer protection laws. 

On XX/XX/XXXX and XX/XX/XXXX, I obtained loans from Excel Finance. As part of the loan agreements, an insurance policy was required. However, Excel Finance erroneously processed and sold me two identical insurance policies that was not qualified to apply to the type of personal loans obtained and charging me for both.

Despite my repeated attempts to resolve the matter
directly with Excel Finance and XXXX XXXX XXXX XXXX, including phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, acknowledging the policies should be refunded. The correspondences were sent on XX/XX/XXXX ( during XXXX ) regular mail and pending certified letter # XXXX XXXX XXXX XXXX XXXX mailed to XXXX XXXX XXXX XXXX on XX/XX/XXXX. The correspondence sent Excel Finance was mailed XX/XX/XXXX and returned to me. The issue remains unresolved. They have not refunded the overcharged amount of {$1100.00} plus the interest for their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX ; XXXX My friend XXXX transferred XXXX dollars to my cash app account to help me with Christmas. I ended up sending him back XXXX to dollars so he could pick up something for my daughter at the store. I then put my phone on the charger and left it but when I returned for it I noticed that XXXX dollars had been transferred out of my account back to XXXX. XXXX said the money never came back to his account and it's not in mine either so where did my money go. I did not authorize this transaction and don't know how this happened. What I know is I have XXXX devices that have my cash app account on it and my XXXX was recently stolen and all my cards and accounts have been tampered with. I have sense changed all my passwords and cards but I want that money back. Cash app is not helping me in this matter because they insist I made the transfer but I didn't this is not fair and now there's no money for Christmas for my kids. On XXXX  end it even says it was a declined transaction so where's my money at?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have called and spoke to hundreds of chase employees including supervisors supervisors, no one can give me a solution as to how to verify the third parties identity because there phone number doesn't show up in their " system '' and they do not validate identities in person with a valid government issued id. They cashed the check and then closed my account and said they could hold the funds for 3 years, they will not release the funds to the issuer of the check so they can write her a new one, there was no fraud flagged on the issuer 's end, it has been 8 months or so and her phone number still doesn't show up in their system and they will not verify her identity and release the funds to me, this has cause so much frustration and inconvenience because of not having access to these funds XXXX XXXX XXXX wasn't able to attend her sons funeral, the check was issued from her father 's XXXX lawsuit. We need them to stop playing games we would like to sue for the pain and suffering this has caused

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: MD

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-12-23 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: MD

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: WA

Complaint narrative:
On XX/XX/XXXX I received an official letter via email from the XXXX XXXX XXXX for loan forgiveness and the complete discharge of all my XXXX XXXX XXXX that now totals {$17000.00}. My student loans were being services by XXXX at the time and they did not comply with the letter even after I contacted them via phone in XXXX to check on the status. Since then, the loans were moved to XXXX. I have sent them correspondence twice with the loan discharge letter attached and have received no response and my XXXX XXXX XXXX ( XXXX XXXX ) student loans are still in place. 

I demand that EdFinancial and the XXXX XXXX XXXX  comply with the student loan forgiveness/ borrowers defense letter they themselves sent/emailed to me and forgive and remove the loan balance from when I attended XXXX  XXXX XXXX XXXX XXXX XXXX ) as soon as possible. It has been over two years and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the continued reporting of XXXX  information by TransUnion XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, in violation of applicable federal laws and my privacy rights. 

Recently, I received a notification from the XXXX  court stating that it does not report information to any third-party agencies. The court also confirmed that under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), I have the right to opt out of any authorization that such third parties might claim to have. Additionally, the court clarified that they do not lend authorization for the dissemination of this information. 

Pursuant to federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Uniform Commercial Code ( UCC ) provisions, I assert the following : Improper Reporting : XXXX  records must be reported accurately and only by authorized entities. Since the XXXX  court explicitly states that they do not authorize such reporting, the continued presence of this information on my credit report constitutes a violation of my rights. 

Violation of Privacy Rights : Under the Privacy Act of XXXX, I have opted out of any authorization for the sharing of this information. Any entity claiming otherwise is acting without lawful consent. 

Timely Removal Requirement : Under applicable laws, any inaccurate or unauthorized information must be corrected or removed within a reasonable timeframe. The notification from the court requires the removal of this XXXX  information within four ( 4 ) days, and failure to do so constitutes further non-compliance. 

I request that the CFPB investigate this matter immediately and take the necessary actions to ensure the removal of the inaccurate XXXX  information from my credit report. 

Furthermore, I demand that all reporting agencies cease any unauthorized dissemination of my personal data in violation of my rights. 

I have attached copies of the notification from the XXXX  court and any relevant supporting documents for your review. Please acknowledge receipt of this complaint and provide updates on the investigation. 

XXXX XXXX : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the continued reporting of XXXX  information by XXXX XXXX XXXX, XXXX, Equifax and XXXXXXXX XXXX XXXX, in violation of applicable federal laws and my privacy rights. 

Recently, I received a notification from the XXXX  court stating that it does not report information to any third-party agencies. The court also confirmed that under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), I have the right to opt out of any authorization that such third parties might claim to have. Additionally, the court clarified that they do not lend authorization for the dissemination of this information. 

Pursuant to federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Uniform Commercial Code ( UCC ) provisions, I assert the following : Improper Reporting : XXXX  records must be reported accurately and only by authorized entities. Since the XXXX  court explicitly states that they do not authorize such reporting, the continued presence of this information on my credit report constitutes a violation of my rights. 

Violation of Privacy Rights : Under the Privacy Act of XXXX, I have opted out of any authorization for the sharing of this information. Any entity claiming otherwise is acting without lawful consent. 

Timely Removal Requirement : Under applicable laws, any inaccurate or unauthorized information must be corrected or removed within a reasonable timeframe. The notification from the court requires the removal of this XXXX  information within four ( 4 ) days, and failure to do so constitutes further non-compliance. 

I request that the CFPB investigate this matter immediately and take the necessary actions to ensure the removal of the inaccurate XXXX information from my credit report. 

Furthermore, I demand that all reporting agencies cease any unauthorized dissemination of my personal data in violation of my rights. 

I have attached copies of the notification from the XXXX  court and any relevant supporting documents for your review. Please acknowledge receipt of this complaint and provide updates on the investigation. 

XXXX XXXX : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AA Recovery Solutions, Inc.
State: MT

Complaint narrative:
AA Recovery Solutions ( XXXX ) has been repeatedly calling my work office at a XXXX XXXX in order to leave messages about the alleged debt in question. Was first brought to my attention by a XXXX XXXX on XX/XX/24 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove this account before i seek litigation for defamation of character ) fXXXX XXXX XXXX  balance {$470.00}, XXXX XXXX XXXX XXXX  balance {$7400.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$2300.00}, XXXX XXXX XXXX XXXX XXXX balance {$2800.00}.

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 2024-12-23 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: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I requested that any debts bought by Jefferson Capitol systems should be removed from my credit report. As I do not have a contract with that debt buyer. Since they paid the debt, it can not be paid again by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
My recent review of my credit report revealed some billing mistakes. These late payments do not reflect my typical payment behavior. Id appreciate it if you could fix these errors and update my account details.

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