vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Doxo, Inc.
State: DE

Complaint narrative:
On XX/XX/year> I tied to pay a bill and Doxo is the processing company. It was a bill in my son 's name and he is on vacation. There website asked for an authorization code but I could not access my son 's email to get the code so I stopped and used the telephone service as it didn't need an authorization code. I woke up this morning to a charge to my bank account of XXXX. This overdrew my account. I called the company and they informed me that they could not refund the transaction. This was not an authorized payment as I never used the confirmation number that my son had and he didn't use it either because he couldn't. I was told that no authorization was needed for a debit card, which is incorrect or I would not have been prompted to enter the access code.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PatientFi, Inc.
State: TX

Complaint narrative:
I requested a Payoff. Once I received, I used that along with the name, address, and account number to XXXX XXXX XXXX. 
The account was for a medical debt and was set up to autodraft via ACH from the very beginning. I was urged to NOT stop ACH until well after the balance was paid. 
The account balance started at one balance and was not incurring interest for the initial 6 month period. I requested the payoff before the introductory period was over. 
XXXX remitted the amount in full. The account was closed. The ACH was stopped by the creditor. I never contacted anyone to stop the ACH. 3+ months later I started getting collections calls from the creditor. After the first call, I went to XXXX and confirmed that the account was closed. ( I can provide a screenshot ). I contacted PatientFi 3+ times to find out what the deal was but was never able to reach them. The first communication I received was when I filed a complaint. They now report the account as Open - Past Due. They claim I owe {$130.00} which I have now sent to satisfy their alleged unpaid balance. They have 10X in Collections as they do in Support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: CL Holdings LLC
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : JEFFERSON CAPITAL SYSTEMS Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested debt validation from frontier in regards to this alleged debt I owe. Under the FCRA, its against the the law to report incorrect inaccurate information on a report with VALIDATION. UNDER 15 USC 1692G VALIDATION OF DEBTS, 1. Please Delete 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 2024-03-14 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: VA

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 2024-03-14 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: VA

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 non-monetary relief
Consumer complaint received 2024-03-14 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: IA

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MI

Complaint narrative:
My wife and I both contacted the property manager as well as the collection agency to request a copy of the original lease and debt. Both parties have failed to provide the necessary information to remove from our credit reports. I was evicted during COVID, and such the landlord received funds from the XXXX fund in excess of XXXX XXXX. then evicted for nonpayment. I would like recover some of the funds as I ended up homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/24 XXXX called me to offer a 50 % discount if I pay 1 year in advance. Since the offer was sponsored by XXXX they requested two gifts cards total amount {$540.00}. I purchased the cards from XXXX ( XXXX location ) and called back to XXXX to provide the card numbers as requested. They were not able to give me a confirmation number for payment and I immediately called XXXX and they said they dont know about the discount or call or email. I run to XXXX store to request a void for purchase and they did not do it. I called Chase bank to stop the transaction but XXXX said its on pending status and can not do anything about it. I went to the bank today and they said they cant do anything since I personally used the credit card and bought the gif cards myself. Please help me recoup my money. 
Since then I am bombarded with unknown phone calls and also I have an email the fake XXXX send me re the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
So towards the end of XXXX, I received notice that I needed to recertify my income for the XXXX plan and I did so through the Aidvantage website. I received notice that my income was too high on XX/XX/XXXX. I received notice again on XX/XX/XXXX, that my payment would be changing to {$390.00}, but when I ran the student loan simulator, it says that my payment under the XXXX standard repayment plan is {$310.00}. When i contacted the live chat people at Aidvantage, XXXX # XXXX was unaware that XXXX had a payment cap limiting your payment amount to the amount under the standard XXXX plan and told me i taught her something. Then she told me that, while I am still on XXXX, it is " inactive '' since my income is too high and I owe {$390.00} per month. I chatted with a different agent, agent # XXXX, who told me that I was no longer on XXXX since I made too much, but that's not true and also conflicts with what agent # XXXX told me. XXXX # XXXX told me that the cap doesn't apply since i make too much. But 34 CFR 685.209 ( f ) seems to state that the cap under XXXX applies even if I make too much. I contacted studentaid.gov, but they directed me back to my loan servicer but it seems like Aidvantage does not know about the XXXX plan correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute an unauthorized open loan appearing on my credit report. The account in question is listed as XXXX with a balance of {$17000.00}. I have no knowledge of this account, and I did not authorize its opening. Therefore, I request that you investigate this matter and remove the account from my credit report as it is inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I contacted the company to let them know I felt like someone used my identity to obtain the credit cards. I never received a statement in the mail and I disputed it with the credit bureau because I do not recognize the accounts that has been reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: PA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly 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 2024-03-14 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: NC

Complaint narrative:
I am writing to dispute an unauthorized open loan appearing on my credit report. The account in question is listed as XXXX with a balance of {$17000.00}. I have no knowledge of this account, and I did not authorize its opening. Therefore, I request that you investigate this matter and remove the account from my credit report as it is inaccurately reported.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute an unauthorized open loan appearing on my credit report. The account in question is listed as XXXX with a balance of {$17000.00}. I have no knowledge of this account, and I did not authorize its opening. Therefore, I request that you investigate this matter and remove the account from my credit report as it is inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received an email stating that my account was subject to close due to lack of activity. 

I called Capital One a week or more before the date the account was subject to close to order a replacement card and attempt to prevent the account from closing. The representative ordered me a new card and assured me that my account would remain open and that I would receive 90 additional days to use my card. I asked multiple times if they were sure this was true, and they promised me the account would not close.

Roughly a week later, I received an email stating that my account had closed, and a day later, my new card arrived.

When I called to find out what happened, the representatives I spoke to told me there was nothing they could do and refused to be accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXXXXXX XXXX  ACCT # XXXX 2. XXXXXXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns 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 explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I noticed a collection account on my credit report from portfolio service for {$590.00}. I contacted portfolio disputes service to start a dispute claim. I was told that a credit card was opened in my name with XXXX XXXX XXXX  back in XX/XX/2016. I advised portfolio services that I did not open this account. I requested the original credit card agreement and or singed credit application be sent to me to validate this account and the company could not provide it. They continue to report negative on my credit report. They are reporting false dates to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Im having trouble using the card for any purchases online or in person, and I have the enough amount to buy with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX  Inquiry Date XX/XX/2023, XXXX XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  XXXX XXXX XXXX XX/XX/2023

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 2024-03-14 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: CA

Complaint narrative:
account name : missionlntab account # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate XXXX no payment history ( transunion only ) these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting XXXX are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau imposs the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter thank you.

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 2024-03-14 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: DISCOVER BANK
State: NY

Complaint narrative:
I purchase a vehicle from XXXX XXXX  XXXX, with my credit card ( XXXX  ) on XX/XX/2021 for {$5000.00} during the pandemic, and what I receive is different from what i signed for, cause the mileage of the car i paid for is different from the car mileage i received from XXXX XXXX  sent to me, and immediately return the merchandise back to XXXX XXXX  true the towing company that brought the car to me and i even paid the towing company before returning the car back to them, and i called my credit card ( DISCOVER ) to complain about the fraudulent transaction and my credit card ( DISCOVER ) did noting to it

Company response to consumer: Closed with explanation