vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MS SERVICES LLC
State: UT

Complaint narrative:
There were XXXX duplicate collection accounts placed on my credit report in XXXX 2022. The reporting agency used a different name to report duplicate collections that have the same account numbers and amounts. I feel like this is frivolous and fictitious and is damaging to my credit. Ive been denied a loan due to this. Ive disputed twice once in XX/XX/2022 and once in XXXX 2022. The items remain on my report. Ive contacted the reporting agency on XX/XX/2022 and have not resolved the issue. I would like these removed from my report and them held liable for their misconduct. The company is MS Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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:
My federal student loans ( XXXX ) were recently transferred from my one servicer to another. My loans were transferred from Great Lakes ( ID XXXX ) to Nelnet ( Acct. XXXX ). On XX/XX/XXXX I received an email from Great Lakes notifying me of the transfer effective XX/XX/XXXX. On XX/XX/XXXX I received a similar email from the XXXX XXXX XXXXXXXX. On XX/XX/XXXX I attempted to set up my account on Nelnet & the website would not allow an account set up. On XX/XX/XXXX I attempted to chat & phone Nelnet but was unable to reach an agent. The messages that I received in response to my attempts to phone or chat with Nelnet indicated that I did not have an existing account. On XX/XX/XXXX I again attempted to contact Nelnet by phone & was able to reach XXXX who informed me I should be able to set up my Nelnet online account around XX/XX/XXXX. Today, XX/XX/XXXX, I set up my Nelnet account & discovered that none of my payment history with Nelnet transferred from Great Lakes, but, of course, all payment due information did transfer. I signed into my former Great Lakes account to discover the same. None of the payment history was available, but the original balances, prior to any of my payments, were visiable. I chatted with Great Lakes today, XX/XX/XXXX, & was told I would have to reach out to Nelnet for the XXXXXXXX XXXX XXXX to receive a record of my payment history. The Great Lakes agent was able to see my payment history but because it was " greyed out '' she was unable to send the record to me. I then chatted with Nelnet who could not explain why the payment history is not visible. I was also told that the Great Lakes payment history will never show on my Nelnet account but the agent agreed to email me a record of the payment history within 20 minutes. If both servicers have instant, visible access to my payment history, why don't I have the same ability? I have not yet received that email. It is not acceptable to me that a loan transfer to a different servicer results in the disappearance & unavailabiity of payment history on the online website of both servicers. I keep good records, including my payment history, but what if my servicer 's records differ from mine? Payment history is critical information that should be available at all times to all borrowers. I want to receive a copy of my payment history promptly & I want my entire payment history, including payments made to Great Lakes, to be visible on the Nelnet account. I have attached a copy of my chats today with both servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX # XXXX U.S dept of education 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 non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Several letters and disputes were sent from XXXX XXXX XXXX XXXXo Credit Agency Experian XXXX This has not been resolved. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 USC 1681 sec. 602 A states that I have the right to privacy.

15 USC 1681 sec. 604 section 2 also states that a reporting Agency can not furnish my account without my written instructions.

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 2022-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Services calls me every week to collect a debt for a XXXX XXXX who lives in CA based on my investigation. My name is XXXX XXXX. I believe we both have a same/similar middle name, same DOB and similar SSN. This company is mistaken and calling to collect a debt from the wrong person. I have repeatedly asked that the calls stop to have my phone number removed from their list, and have attempted to block the many different phone numbers that call me, all without success. These calls are harassing. I need something done to stop the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX NY, XXXX Conserve XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

On behalf of my company, I am writing this letter because we are distressed that you have included the information below in XXXX XXXX XXXX credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information listed below needs to be re-investigated. 


Alleged Debt : {$3300.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is. 

Alleged Debt : {$2200.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is. 


I on behalf of XXXX XXXX XXXX respectfully request to be provided proof of this alleged debt, specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the item must be deleted from the report as soon as possible. The item that is listed above is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.

In addition, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the below account multiple times because I have no knowledge of it. I have asked for correspondences to be mailed that proves this account belongs to me to no avail. Transunion refuses to provide me with evidence from the furnisher that proves I have an open account with this company. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: PA

Complaint narrative:
I initially filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/XXXX, complaint # XXXX, but despite the fact that XXXX XXXX is listed on my consumer reports, they referred me to a company called Asset Recovery Solutions , LLC. 

My consumer rights are still being violated at this time because I have no knowledge of or contract with these companies! The Privacy Act of XXXX  is being pursued. This is a violation of my privacy because my personal identifying information is being transferred between companies without my consent. Such behavior is prohibited under 18 USC 894. These companies are using my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reached out to my financial institution on XX/XX/XXXX regarding the rental occupancy scam I was recently involved in on XX/XX/XXXX in the amount of {$1000.00} that was debited from my personal checking on XX/XX/XXXX. I have a XXXX XXXX XXXX XXXX  case number XXXX, I also filed my complaint with the XXXX, XXXX XXXX XXXX  XXXX and attorney general regarding being a victim of a rental occupancy scam. My bank Capital one declined my claim on XX/XX/XXXX without asking for proper documentation showing that I was a victim of a scam. I reached back out to capital one on XX/XX/XXXX telling them I have all the proper documentation to assist with recovering my funds. Yet no action has been taken to help me recover my lost funds in this terrible situation I was involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.

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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account by the name of XXXX XXXX is reporting to my XXXX and Transunion credit reports having inaccurate 'Account Status ' information. Theses accounts were paid charge-offs that should both reflect XXXX balances. These accounts are reporting as " Debt included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX '' which is incorrect. 

- A chapter XXXX bankruptcy was filed in the state of Colorado in XXXX of XXXX and XXXX in XXXX of XXXX. 

- A XXXX energy account was opened in the state of Texas in XXXX of XXXX where my last payment was in XXXX of XXXX. 

I'm not sure where this mix-up happened during the reporting process, but I have attached documents showing activity on a XXXX XXXX account well after my Chapter XXXX bankruptcy was XXXX in XXXX of XXXX. This would make the status of these accounts incorrect/impossible. I have disputed these accounts too many times to count and just would like accurate information present on my credit report. XXXX also refuses to report a XXXX balance.

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 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Payactiv, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I used my XXXX XXXX XXXX card to add {$50.00} to my Payactiv card. I then purchased gas on XXXX XXXX. Since then Payactiv will not let me add money to my Payactiv card. The button to add funds shows my XXXX card, but it is grayed out. I call them twice a week at XXXX, XXXX, XXXX, XXXX. They will not answer the phone and tell you to log into the app and use chat. I chat for a bit and then they stop chatting. I have had case XXXX with XXXX, XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Each time I'm told the case will be escaladed. Three times Payactiv has deleted my card and I have added it back three times and it still does not work. In email Payactiv wants my employer number, and my payroll number. I'm retired and have neither. I believe this company is discriminating against XXXX  and that is why nothing is being done to fix it. I feel if this was related to a payroll account, it would be fixed immediately. XXXX XXXX give you a XXXX cent discount if you use the Payactiv card. Being a XXXX  I need to take this discount, especially with the high cost of gas. I'm asking you to contact Payactiv and get this fixed so I can get the XXXX XXXX discount. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I tried to access my Transunion account to temporarily remove a freeze as I'm trying to purchase a vehicle. However, my password wouldn't work. I then tried to reset my password and was told to call their customer service number. That day I called them and also messaged them on XXXX at least 5 times, and it was never resolved. They would reset my password and say that I would receive an email. I would get the email but their temporary password would never work or it would work, I would log in, but the website would let me in, but I couldn't unfreeze my account. It would log me out. The customer service rep said that there would be maintenance done on my account and to wait 5 days and a supervisor would call me. No one called. On XX/XX/2022, I tried again to remove the freeze and couldn't get on my account. I spoke to 3 different reps and was told 3 different answers. I was able to get into my account again, but then it logged me out and didn't allow me to get in again. I asked them to unfreeze it and they said they couldn't. They said there was an error on my account for mismatched information. I have the credit report they sent me a month ago, and everything on there is correct. So I don't know what mismatched information they have and they couldn't tell me. One rep gave me a Case # of XXXX and told me someone would call me back in 5 minutes. 90 minutes later, I called them back because I got no phone call. They told me it would be 3 days, not 5 minutes. Once again, I have an appointment with the dealership and can't go because Transunion refuses to fix my account. I can get on XXXX XXXX and see my report, I can get on MyFico and see my Transunion report as well, and there are no errors, my information is correct. However, Transunion, the company, says my report has errors and won't let me unfreeze it. I'm beyond frustrated and tired of getting the run around from them. Denying me access to my account can't be legal. Waiting almost a month to gain access can't be legal either.

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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX  and XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I made a complaint to the gift card agency over 4 moths ago and they stated it would take them 30-120 days to trace {$75.00} that was taken from the XXXX gift card from ( XXXX ) that wasn't authorized. Initially, I ordered a food purchase for {$25.00} after loading the gift card with {$100.00}. Immediately after I used the card for that purchase only and then within 15 minutes after making the purchase, the card was depleted of its full value. 

I called the gift card company and made a complaint and they immediately suspended the card and sent a new card. They fail to provide updates, they are rude every time I try and call for updates and they never can state why its taking so long. The only answer I get from them is that they are waiting on the company to respond. I filed a complaint with CFPB two months ago and still nothing has happened no updates no anything. Unfortunately they have caused more of a financial strain as it was to be used for a bill and that caused a trickle down effect to where my family and I are still trying to recover. 

It is my feeling that this gift card company is trying to keep the funds by delaying my refund via the gift card or check since its past the 120 day mark and they fail to send updates or anything. Calling them only begets them being rude about funds that are not theirs but is mine. 

I am begging for assistance in this matter because this company is showing they are committed to keeping my funds for an unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.

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 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was placed on an account as an authorized user and removed by the primary user. The credit card company is trying to report this as my charge off.

Company response to consumer: Closed with explanation