vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: PA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-23 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. LVNV TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY XXXX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. XXXX TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY EQUIFAX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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: MD

Complaint narrative:
XXXX XXXX Account Number : XXXX has reported me to XXXX XXXX XXXX # : XXXX for the amount of XXXX This account should have never been reported as I was on auto pay and there were two charges for a tech visit that I was promised, I would not incur due to technical issues. I spoke with a rep by the name of XXXX on XX/XX/XXXX who saw CLEAR notes of technical issues since the beginning of service and credited me XXXX due to the error on cox end. I then paid the difference of XXXX. I spoke with collections and billing numerous times. There were two tickets placed for the back office which requested the account to be removed from my credit report and a letter stating the account was paid in full and it would be deleted from my credit reports due to an error on cox end. I called on XX/XX/XXXX and spoke to a supervisor in billing named XXXX who advised me the ticket was closed and refused. I am not sure if the tickets placed are clarifying the full issue.

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 2022-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
In the drop-down selection they did not have the reason why I'm filing the complaint, so I chose whatever was closer to it. In XXXX my father passed away unexpectedly from a XXXX XXXX, and I had to take out a XXXX loan from One Main Financial. They took my XXXX XXXX car title as collateral and approved me for the XXXX loan. The lady who helped me that day went over my loan and my automated payment amounts and I agreed to what she explained to me. The automatic payments started coming out of my bank account in XX/XX/XXXX of XXXX, the amount was larger than I remember the lady telling me it was, but I thought since it had been months that they didn't take any payments they must have doubled the payments up. In XXXX of either XXXX or XXXX ( I cant recall now, and they will not provide me with the paperwork I have requested so I'm not sure ). I received a call from One Main Financial and they offered to refinance my loan. I was struggling financially and had tested positive for XXXX at the time and was staying home from work without pay. so, I agreed based on the information that was originally provided to me back in XX/XX/XXXX. I decided to check the paperwork that was given to me in XXXX of XXXX a couple of weeks ago because my loan doesn't seem to get any smaller. I still owe them XXXX, it has gone down by only a XXXX XXXXXXXX dollars. That is when I noticed they gave me 2 different people 's paperwork in XXXX and none of the paperwork seems to be mine, neither the loan agreement nor the automatic withdrawal form is under my name. I contacted them and asked them to mail me my original loan agreement documents from XX/XX/XXXX and they said they would, but I never received them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The charges with XXXX should be properly investigated because they are incorrect. I am currently submitting a dispute via mail. 


We moved out of our apartment ( XXXX de XXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: MD

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. 

Account name : XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

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 2022-12-23 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: MD

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. 

Account name : XXXX, XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

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 explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: West Realm Shires Services Inc.
State: OR

Complaint narrative:
I had a cash balance in my wallet at ftx.us. I had my checking account attached where I could deposit and withdrawal money to my ftx.us account. On XXXX XXXX 2022 I sent a withdrawal from my cash balance to my checking account and I received a confirmation that the withdrawal was accepted and it would take 3 to 5 days to get the money. I never got the money. The balance in my ftx.us wallet is negative and shows the amount I withdrew to my checking account. Where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX at a restaurant in XXXX  owned XXXX XXXX XXXX. I was told they pay on this XXXX XXXX XXXX. I trained XXXXXXXX XXXX and decided not to go back. I received a XXXX XXXX XXXX that I registered and when I checked I had XXXX something XXXX  on it. I tried using the card XXXX XXXX at XXXX and such for small purchases when traveling and the card did not work. I saw on an email that it is not set up for traveling and it did NOT give a reason no funds? So I never really bothered witht he card since it had such little funds. That was in XXXX, I recently called the back of the card to see why I could never use it and it said my balance was XXXX. That is impossible since I never used it. I called them up and they said I registered it and I never deposited money. I told them my job did and they said they checked and there are no funds ever put on. This is a lie and XXXX. They never sent me paperwork as proof and now everything is wiped out? They are a scam, they wouldn't let me take my money out and made it so frustrating an now XXXX later it is gone and since they only have online info they wiped it out. I want my money sent to me in a check and this company investigated. They have terrible views of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal emailed me from XXXX an invoice for {$690.00}, but I never ordered such an item costing that much and haven't used PayPal for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I originally booked an airline ticket through American Express XXXX XXXX in XX/XX/XXXX for myself and my son. I was alerted on XX/XX/XXXX that the airline had changed aircrafts and demoted our class of service. I called American Express travel to see what my options were, if I could cancel and rebook on another airline, depending on the price of new tickets. Without my permission the agent canceled my flight, which had cost {$2500.00}. I then had to rebook, and the new ticket was {$5000.00}, twice as expensive for a lower class of ticket. I had to rebook because the hotel reservation was nonrefundable. American Express has done nothing to remedy the situation, despite there being recorded transcripts of the call. I have been a cardmember since XXXX, and they refused to refund my annual fee when I tried to cancel, which was paid in XXXX. They should have covered the difference in ticket costs due to their agents mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
They try to charge me account is no my and destroy my credit score and they call three time a week to admit address is no mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TX

Complaint narrative:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and found improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : 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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Violated my federally protected rights 15 U.S. Code 1681b - no written permission, consent no permissible purpose 15 U.S. Code 1681 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Acct was remove not belonging 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 explanation
Consumer complaint received 2022-12-23 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: MD

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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and 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 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 2022-12-23 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: MD

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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX or XXXX, and XXXX XXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and 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 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 explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase is cold calling me trying to get me to refinance or to open a mortgage with them. I do not have a mortgage with them but I do have several credit cards. 

I had told them I never agreed to marketing calls. They tried to flip it and tell me they were calling me to " provide assistance ''. I told them how is " providing me with assistance '' if I don't own the product and this was a blatant sales call they were attempting to reframe as " customer assistance ''. 

There was nothing to assist me with. My preferences on their site state specifically I do not want this kind of engagement. 

I reminded the lady there is a {$500.00} fine for each of these kinds of calls and she quickly got off the line.

Company response to consumer: Closed with explanation