vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX  || Account # 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 2024-03-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX FUNDING Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX ALL has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 reasonable cause to believe that 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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
The transaction for {$93.00} for XXXX on XX/XX/2023 This transaction is fraud. 

Detail : I placed order, and it generate two duplicate one. Because none of them provided valid tickets for me to use. So I contact XXXX immediately, the other one was canceled but this one was not. 

Evidence to support : as shown from XXXX, it is shown redeemed on XX/XX/2023. That means it is a wrong order. Ticket is for XXXX and it can only be used for that specific time window.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I am writing to dispute present/previous account status/ payment history profile/ payment rating. Also, the inaccurate and unlawful information that you have furnished onto my consumer report does not only meets FCRA compliance standards it also violates my consumer rights as stated below in 15 U.S. Code 1681a ( 2 ) Exclusions. Your unlawful practice by furnishing transactional and inaccurate information onto my consumer report has led to my demand of immediate REMOVAL from XXXX, XXXX, and XXXX also all secondary consumer agencys The illegal furnished account stated above has inaccurate information and LATE PAYMENT INFORMATION ( which are transactions NOT debt ). Ive Attached documents as proof. 

Georgia Student Finance started receiving dispute letters from on XXXX for furnishing information I did not give a written consent to furnish. From XXXX XXXX oXXXX XXXX an ongoing Georgia Student finance has furnished inaccurate information also late payments which are not to be reported, this is another violation of my consumer rights. Late payments are to consider transactional, and transactions are not reported as stated with U.S. codes in my attachments. Georgia Student Finance has ignored this issue which has caused me mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
In XXXX 2023 a collections record appeared on my credit report form Central Portfolio Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The invoices in question were part of XXXX XXXX incurred from XXXX I had, and were paid to the XXXX XXXX  by my attorneys when the case was settled. Apparently CPC purchased the debt that had already been paid to the XXXX XXXX. After a very long back and forth with CPC and providing documentation from my lawyer this issue was finally cleared up. CPC bought a bad debt. This action dropped my credit score about XXXX points, which was restored to XXXX in XXXX. We let this incident go. 

On XX/XX/XXXX my credit score dropped again by XXXX points. We come to find out that CPC reported again, the very same invoice from the first incident as being in collection. This was subsequently removed without action from me, though it has cause some stress over my credit score which now sits at XXXX. After talking to XXXX they indicated that it was being cleared up and we should see restoration by the end of XXXX. In the mean time I can not get good pricing on a mortgage we are applying for and have to wait. 

CPC needs some action taken upon them for their recklessness. I wanted to report it here, but am pursuing legal measures as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello!, On Wells Fargo website, there is a description for Visa signature credit card that claims it provides some extra features such as travel insurance. And extended warranty. 

XXXX XXXX XXXX XXXX cancellation Based on this information, I applied for Wells Fargo active cash credit cards which has the Visa signature symbol printed on it, assuming it provides the features written on the web page I sent the link above, for my travel plans. 
But when I had an emergency and had to cancel a part of my trip. I called Wells Fargo and I was shocked when they told me my credit card doesn't have trip cancellation. 
When I provided the website and the image of my credit card with Visa signature label on it.

Their answer was that they had a credit card named Visa signature that had this extra features. and that web page is only for that specific credit card. When I asked where can I get the information about Wells Fargo Visa signature credit card. They claimed that it was not available anymore.

In other words, even though my credit card has the Visa signature stamp on it, it is not considered the card that Wells Fargo website advertise as Visa signature card.

This is completely deceptive, I only applied for this credit card for its feature that is advertised in Wells Fargo website. But Wells Fargo claims that information is not for all Visa signature credit cards, but only for a specific one that is not being provided anymore.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
The HEREIN MENTIONED ORIGINAL CREDITORS, DATA FURNISHER AND OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN THE CONSUMERS CONSENT TO DISCLOSE PRIVATE, PERSONAL, NONPUBLIC, FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDES BUT IS NOT LIMITED TO XXXX XXXX, XXXX, AND XXXX. AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTION DATA FURNISHERS, ORIGINAL CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES BREACHING THE CONSUMERS PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I ordered two items from XXXX that were when received the wrong items. I quickly got with XXXX to send the items back and process my refund. I have been dealing with this since the middle of XXXX. XXXX has sent me in circles which led to me informing my bank. Now after several attempts XXXX has now refused to refund me due to the bank " stepping in '' they have tried multiple times to do so but claim they are unable due to the bank having a dispute. I have called my bank daily trying to get a resolve to this. I have even complained to the XXXX which led to an XXXX emailing me stating how this isn't normal practice and they are very sorry they will look into this. that was 2 months ago. They have not updated the claim since XX/XX/XXXX. Meanwhile I have been on the phone with XXXX providing them with all the details. delivery confirmation. and official emails that XXXX has now refused to refund me because they say the bank has blocked their ability to refund to me. My bank has claimed that this adjuster on the XXXX of XXXX attempted to call me. She has not she is a liar. there is no way that you would only attempt one call in 2 half months. this is insane. I have done their job for them and they are still not giving me my money back. I have a standing eviction notice. I have been dealing with Identity theft since XXXX and this bank has made it that much worse. They have refused disputes prior that were linked to police reports. Its insane to me that all this documentation does nothing. Every time I call this bank I speak to the most clueless people. Its always a i dont know. how do they have no clue of the process they created? How is it I have provided in document every piece of information needed to resolve this and I am still daily having to call to get my money back. They owe me close to {$2500.00} everytime I call i sit on the phone for hours to be told nothing they never have any information they actually told me today it could be another 90 days. FOR WHAT REASON!! WHAT IS THERE TO INVESTIGATE? THE COMPANY ALREADY ADMITTED FAULT AND TRIED TO RESOLVE!

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 2024-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Department XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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:
I am requesting assistance from the CFPB concerning the violation of my rights as a consumer. I was a victim of ID theft, I noticed the credit bureaus of the fraudulent account and inquiries posted on my credit report that needs to be blocked and removed immediately per federal law FCRA fair credit act section 609 and section 609 ; also federal law 15 U.S.C 1681 C-2. I have provided copies of official police report and Federal trade commission Idenitity theft affidavit along with my social security card Drivers license and utility bill. The following information I am demanding be blocked and removed immediately per federal law : FRAUDULENT ACCOUNT XXXX XXXX XXXX account XXXX opened XX/XX/year> {$6900.00}. 

Fraudulent INQUIRIES : XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXXXXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/XXXX - I paid my full balance for a {$2000.00} loan plus the {$26.00} interest that accrued XX/XX/XXXX - The balance was processed on my checking account XX/XX/XXXX - I followed up with the credit reporters and was told it can take a while to update XX/XX/XXXX - I contacted Heartland ECSI regarding the inaccurate information reported on my credit. I asked for a receipt or official proof that I made my full payment but was told they can not provide such document. I was then told to dispute it with the credit bureau and submit disputes with XXXX XXXX, XXXX, and XXXX XX/XX/XXXX- I submitted a dispute to the XXXX credit companies : XXXX XXXX, XXXX, and XXXX XX/XX/XXXX- I received an email stating that my dispute was resolved but the information was still inaccurate. My report still states that I have a balance on that loan XX/XX/XXXX - XXXX XXXX instructed that I file a complaint as they confirmed that ECSI has not reported that I paid off my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal details listed in this document do not pertain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
on XX/XX/year> I sent a certified letter to Transworld Systems , Inc, asking to validate this debt they claim I owe. The company has not responded with a answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I obtained a XXXX XXXX XXXX from Navient in XXXX. This was not a student loan! The loan was co-signed by my mother. 
I filed for XXXX XXXX XXXX XXXXXX/XX/XXXX listing Navient as a creditor. 
XXXX XXXX XXXX was XXXX XX/XX/XXXX listing the Navient account as XXXX. 
Navient continues to report the account as a student loan and has reported the loan pass due since XX/XX/XXXX with a charge off on XX/XX/XXXX. 
I am in the process of filing a motion with the XXXX XXXXXXXX for contempt of court. 
Disputes with the credit bureaus come back as certified by Navient. 
Navients actions have adversely affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: LA

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: LA

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-03-13 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable to any dept withXXXX XXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : 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