vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit # XXXX which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for Unit # XXXX which is false and misleading because I lived in unit # XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to Experian disputing the accuracy of the account and it came back verified every time. This is evidence that Experian is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration.

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 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
On XX/XX/24 I purchased a Money Order at XXXX with 2 XXXX XXXX. The money order failed to print. I worked with XXXX management at the store and was told that the money would be automatically refunded to the card. I contacted XXXX XXXX support at XXXX. I was told my case number was case XXXX and any emails can be directed to XXXX. I was told that I would be receiving a form. I have not received the form and not received any emails either even after asking for an update on my case. Now when I try and access the card online it gives an error message. 

Two cards are the following : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: FL

Complaint narrative:
Dont know anything about this debt, or ever affiliated with this company or organization so please kindly remove or block this company from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NY

Complaint narrative:
XXXX XXXX placed a hard inquiry on my credit. That I did not authorize nor recognize. 
Inquiry Date XX/XX/XXXX. Type, Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

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 2024-02-26 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: PA

Complaint narrative:
I found inquiries that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found inquiries that dont belong to me

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from XXXX and I did not receive a response from XXXX or Equifax at all. When I did receive a response from XXXX, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from Equifax or XXXX but one from XXXX another 2 months later stating the same thing XXXX stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX XXXX office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from XXXX and I did not receive a response from Experian or XXXX at all. When I did receive a response from XXXX, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from XXXX or XXXX but one from Experian another 2 months later stating the same thing XXXX stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX XXXX office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.

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 2024-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: West Coast Servicing, Inc.
State: PA

Complaint narrative:
On XX/XX/2024, WEST COAST SERVICING Inc. sent a threatening letter stating their intent to Foreclose on an alleged mortgage they say is owed to them. Notice I do not accept nor do I wish to contract with WEST COAST SERVICING Inc. or any of their Affiliates. They also stated that the alleged mortgage had reached its Maturity date of XX/XX/XXXX, XXXX as of this complaint XX/XX/2024. It's more than 4-years past the Pennsylvania  statute of limitations and it does not include the time from when the debt first went unpaid. WEST COAST SERVICING Inc. Has violated my rights with their swindling tactics. 

See attachments for full complaint and remedies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
On Thursday, XX/XX/2024 my mother received a telephone call from a debt collection agency. My mom provided me the telephone number and I contacted the agency to see what it was about. Initially, I was weary of returning the call because of so many SCAMS that are out there, but I have been having some medical problems so it sounded legit. I called around XXXX XXXX and spoke with a supervisor by the name of XXXX ( unsure of the spelling of his name ). Again, I want to reiterate that this was a medical debt collection. I have been very sick and having severe XXXX which led to several hospitalizations and ER visits. My condition is worsened by emotional distress. XXXX was abusive, he was screaming at me and was harassing me to pay the bill at that moment. I explained to him that all my credit cards were maxed out and I couldn't pay at the time. I also told him that I was recently approved for XXXX due to my medical problems and my being unemployed at the moment. He kept pressuring me to give him a credit card number that he would not charge it, just hold it. But I explained I had no credit and that I was unemployed. My parents helped me to pay for the bill, but it was not my credit card so I couldn't give them the credit card information if it belonged to my parents. My mom was on the call as a three-way calling and when my mom intervened, he calmed down but he was verbally abusive and harrassed me. Aren't medical debt collection illegal? Why would a non-profit hospital refer this medical bill to collection? Don't they get grants, trust, and endowment funds in addition to government aid to help the less fortunate and the sick? The debt collector company name is : Radius Global Solutions LLC, they are located at XXXX XXXX XXXX, XXXX, MN XXXX. These companies harassing people who are sick for medical debt should be abolished. It's not like I want to get sick. I want to be healthy again but I have a life-long medical condition. Please follow up on this, listen to the call, he said that it was recorded. I need someone to investigate this ASAP because I don't want this to happen to other young people ( I am XXXX years old ) who this may happen to. Please look into this and stop these agencies from using abusive language and tactics to intimidate people who have medical debt.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was a victim of two scams. The first one is a non-delivery scam. I have applied for a validation diploma. The scammers contacted me through telegram and started their manipulation with resulted in me paying them my hard earned money and getting nothing in return. Once I payed the initial fee, they requested I pay a numerous amount of tax and release fees. They never supplied me with a validation diploma and stopped all correspondence with me. 

Regarding the second scam, I received a job offer from XXXX XXXX XXXX XXXX XXXX ( UNSDG ). Once I payed the initial fee, they disappeared and did not contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ACCOUNT # XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score.

I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MO

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

List of Unauthorized Inquiries : XXXX ) XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX XXXX Date of Inquiry : XX/XX/2023 Request : Remove 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 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted Mohela because my IDR recertification date was not pushed back by one year per the U.S. Dept of Education. My IDR recertification date states XX/XX/XXXX. The rep I spoke to agreed that it should be pushed back by a year and said that she put in a request and that it would be updated within 3-5 business days. She stated that my payments would remain {$0.00}. I then received a bill from Mohela for {$500.00}. I called Mohela on XX/XX/XXXX and spoke to multiple individuals, rep, team lead and supervisor. They are stating that I was due to recertify my IDR plan by XX/XX/XXXX. That date has passed and they have increased my payments to the standard payment because I did not recertify by that day. According to the Department of Education, if your IDR recertification falls between the payment pause end date ( XX/XX/XXXX ) and XX/XX/XXXX your recertification date will be pushed out a year. My recertification date on Mohela 's website shows XX/XX/XXXX and on studentaid.gov it shows XX/XX/XXXX. Given these dates, according to the Department of Education my new recertification date should be pushed out to XX/XX/XXXX. Mohela said that is not correct and my anniversary date is XX/XX/XXXX. My payments went from {$0.00} based on my most recent IDR application but Mohela is now stating that my monthly payments are {$500.00}. My payments should remain {$0.00} since I should not be required to submit an IDR recertification until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I had a regular payment due on XX/XX/year> on my Apple Card, issued from Goldman Sachs. The amount of the payment was pre-set at XXXX, 'to minimize interest charges. ' Before the payment was processed, I went into the Wallet app and adjusted the payment amount to be {$200.00}, because I have a tuition payment coming up. I agreed to the interest charges, and authorized the charge through the app with my bank. On the XXXX, the Apple Wallet app processed my {$200.00} payment, and then a few minutes later processed a completely unauthorized second charge for {$340.00}! 

I immediately contacted Apple Support and texted with an agent who assured me the charge would be cancelled and to give it time to reflect in my transactions list. I agreed to that. Then, on Monday ( XX/XX/year> ) I noticed that the charge not only hadn't been cancelled but was now pending payment with my bank. I started another support ticket and was told that they have submitted an 'inquiry ' and have to 'investigate ' this claim and that they will email me with a 'communication about their findings. ' We went around a bit and they were still unable to just cancel this ( again, unauthorized ) payment. I then said I would need to stop payment through my bank and they 'recommended " that I contact my bank to cancel the payment. 

Ultimately, I had to pay my bank {$35.00} to stop payment on this entirely unauthorized charge that Apple/Goldman Sachs was unable and unwilling to reverse, despite me immediately acting on it, trying to resolve and reverse, and being as proactive as possible. I am very frustrated with this whole situation. I would like Apple/Goldman Sachs to refund my stop payment fee charged by my bank, and fix whatever led to this mess in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for DEPT OF ED/XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX Last 4 digit of SSN : 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 2024-02-26 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:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for DEPT OF ED/XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX Last 4 digit of SSN : 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 explanation