vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: NY

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly 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 2024-01-30 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/year> Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Celsius US Holding LLC
State: NJ

Complaint narrative:
In XXXX, I became a victim of an online investment fraud scheme realised through the following platform XXXX They deceived me that they are fully licensed to operate as a financial broker, while in fact they were not. As I do not have special knowledge about how lending platforms operate and how they are regulated, I trusted the information of XXXX and followed their " investment '' advise. In particular, they told me to buy crypto from Celsius and to transfer it then wallets nominated by them, which assumingly are not hosted by www.celsius.network. 
Acting in good faith and following advice, tI made an account with www.celsius.network, and made series of payments for purchasing crypto. Total amount of the payments is BTC XXXX and ETH XXXX, distributed in multiple transactions, some of them were sent At certain point, XXXX XXXXplatform, where I have invested BTC XXXX and ETH XXXX simply closed and disappeared without giving me the chance to withdraw my investments. Once I realised that I was victimised and deceived, I sought for a specialised help. At this stage, it was explained to me that crypto-transactions are not completely anonymous and that the obliged entities, such as Celsius, are under the obligation to collect and to keep record of certain basic information about each outgoing transaction, including about the obliged entity hosting the beneficiary wallet and about the person controlling the beneficiary wallet ( so called " travel rule '' ). I consider myself entitled to such information as it concerns only my transactions and I have justified legal interest to know to whom I have paid. Following this understanding, I asked Celsius to provide me the information they should have collected about my transactions by applying the travel rule. A letter of demand was sent to Celsius on XXXX. Unfortunately, Celsius failed to respond and to provide required information. Celsius advertises itself as FATF compliant. If they are, they should have collected this information and it should have been disclosed to me following my request. If Celsius is not FATF compliant and do not apply the travel rule, this could be a misleading advertisement and infringement of my consumer rights. In addition, this has harmed my chances for a successful recovery. See attached letter of demand to Celsius for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
As a natural person and consumer of the United States. In accordance with 15 USC 1681 Dept of Education has violated my right by reporting inaccurate account number and Last reporting dates on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: TN

Complaint narrative:
I had derogatory marks on my credit report for years from XXXX XXXX XXXX. I have never had an account or done business with this company or the company the claim to be collecting debt for. 

I have asked for any proof that debt is owed multiple times over a 5 year timespan but the company just sends a letter stating that the are collection the debt from an account with a prior company called Rise. No information has ever been provided that I signed or have ever done business with either of these companies & XXXX refuses to remove the info from my credit report. 

To make matters even worse an unauthorized party gained access to their systems and the party gained access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I was terminated from my job since XX/XX/. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/XXXX  and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.

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 2024-01-30 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: FL

Complaint narrative:
I was terminated from my job since XX/XX/23. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/23 and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
I was terminated from my job since XX/XX/23. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/23 and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.

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 2024-01-30 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I filled out my IDR information on studentaid.gov in XXXX or XXXX. Navient told me I needed to submit more information ( in addition to the tax information made available through studentaid.gov/IRS ) XXXX I re-submitted my personal income information on XXXX XXXX, XXXX. I submitted all the same information to XXXX servicer, who set my IDR payment amount at {$0.00}. 

I called Navient on XXXX XXXX XXXX, and was told they have all the information to process my IDR ( including what my taxable income was ). I had to update my auto-pay information, and was told that I would have to manually submit payment for XXXX while my IDR request was being processed. I submitted my first payment of {XXXX} on XXXX XXXX, XXXX, and my Navient account stated that this payment was past due. 

On Tuesday XX/XX/XXXX, I received an email from Navient stating that the total amount charged was {XXXX. The online portal states that I will be auto-charged on XXXX XXXX for my XXXX payment, however, I was told by the customer service rep. that the {$XXXX} was for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian is been having addresses that doesnt belong to be. I have had never live in this addresses. I resquested multiple times be removed but nothing had happened.

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 2024-01-30 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
GM Financial changed the way they had been collecting our car taxes. They always added our tax to XXXX of our car payments and we paid that way for years. We never had late payments. Our Fico score was XXXX. We learned that our credit score had dropped greatly and called FICO to find out why. They said GM Financial had reported late pay ments. We immediately called GM and were told by their customer service rep that we were not late or missing any payments. I doubled checked all my bill statements and every month had been paid. I then called XXXX to find out what was going on. They said GM reported missing payments for the last 3 months. I again called customer service at GM and again was told that all payments had been made and my account was perfect. I then requested the credit company to initiate an investigation. Soon after we received a call from GE. They said our car tax had not been paid. We said we received no bill. They said they sent a letter saying that they had paid the bill for us and we had to reimburse them and now it was late and they reported it to the credit bureaus. They refused to reinstate our original score. We checked with our city tax collector and they said there were no outstanding taxes due.We called GM and said that in fact that did pay the tax for us, we were never notified that had been done. We strongly feel tha GM should correct our credit report because 1. They never told us they were changing the way they were billing the car tax. 2.We never received the letter they say they sent. 3. They never sent any follow up letter by registered mai or fed ex, or ups with tracking numbers. 4. They said they called to notify us at least 20 times but never got an answer. I asked what number they called and it was a number that was disconnected years ago. They never left any messages on the answering machine and when I asked why they said they could not leave messages as it was company policy. 5. We never authorized them to pay our tax bill. 6. We never got a receipt for their payment. 7.We paid immediately when we were sure that reimbursement was needed. 10. They have still refused to return our credit to the level it was before they proceeded to destroy our excellent score that took years to achieve. Please contact us via email with any questions you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I created a Checking account with Capital one bank. I received money from friends and family for different purposes. Capital One bank froze my funds around XX/XX/2023 and said they were doing some investigations on the source of the funds to protect their customers. I provided all the informations and contacts they asked for but they didn't give me any feedback on the status of thier investigation. I went to their branches several times and they told me to be patient. 
I waited several months and my money was gaining interest. I had XXXX in the account. In XX/XX/2023 I received a Bank statement with XXXX  on it from Capital One bank. 
I later received a Notice that my bank account has been closed and they will mail my funds to me. Unfortunately for me, the mail me a check with just {$0.00} in it. I later received another Bank statement showing that I have {$0.00} in my account with Capital One. 

I have been to their branches but no help was given to me nor explanation to what happened and where they sent my funds to. They gave me a number to call but no one is responding to the calls. I'm frustrated and needs my money to pay my Student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ADP Inc.
State: CA

Complaint narrative:
I made a purchase XX/XX/XXXX in the amount of {$430.00}. After contacting the merchant, I followed protocol and immediately contacted Wisely to dispute the charge. I disputed the charge as merchandise not as described. I contacted wisely verbally to initiate the dispute. Following that, I completed and submitted, in writing, the Wisely statement of dispute form. I also attached supporting documentation and evidence explaining why the merchandise or item was not as described. 
I initiated the dispute right after XXXX XX/XX/XXXXXXXX XXXX Wisely notified me and Credited my account. I was told verbally I had won the dispute. To my surprise, well over 90 days later, Wisely has reversed the credit of {$430.00}. 
The outcome of their investigation has taken far more than 90 days and its completely wrong that it puts people to financial hardship as this is done to me. Wisely has not followed regulations EFTA Reg E guidelines and laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/ a letter was sent to transunion to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible

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 2024-01-30 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: WA

Complaint narrative:
THE TITLE FOR MY MANUFACTURED HOME. ITS BEEN PAID OFF FOR 30 YEARS AND THEY WONT DO A RELEASE OF INTEREST SO THAT THE NEW OWNERS CAN TRADE IT IN ON A NEW MANUFACTUED HOME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Checked my credit report and listed was a collection from PORTFOLIO RECOVERY for XXXX XXXX XXXX stated dispute resolved and inaccurate reporting on my account from PORTFOLIO RECOVERY WHICH I HAVE NEVER EVER DID ANY BUSINESS WITH. When I contacted XXXX XXXX XXXX no one was able to provide any information on this collection. I have NEVER received any information or documents from PORTFOLIO RECOVERY this states it was reported XX/XX/2024. I have no knowledge or ever did any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
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 response to consumer: Closed with explanation