vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: WA

Complaint narrative:
First Financial Asset Management is attempting to collect a debt from someone ( myself ) who did not incur the debt. I've attached their response letter and am putting this complaint into the public record. 

First Financial Asset Management is attempting to disparage my reputation and credit history by attaching someone else 's debt to me. Their response letter clearly indicates they think I am the " XXXX XXXX '' they are looking for, but I am not. First Financial Asset Management 's actions clearly indicate the haphazard behavior that the debt collection industry employs, and they should be allowed to harass and villainize and innocent party such that they have in this instance. 

If you are a state attorney general looking for proof of bad actor activity by the debt collection industry, feel free to reach out to me ( XXXX ). I will work with you, and present proof of my claims, unlike First Financial Asset Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PR

Complaint narrative:
I and the XXXX  XXXX XXXX have provided evidence to XXXX XXXX that I am still actively enrolled in school and have completed the formal documentation from the university for deferment while in school. However, this agency, XXXX XXXX, is unresponsive in multiple ways. They do not answer phone calls, their chat service does not respond to inquiries, and they fail to respond to emails. Furthermore, even though they initially accept the documents when they are submitted and state to wait for a response within 10 days, they subsequently delete the content of the email, and there is no record of the uploaded documentation in their system. I have photographic and video evidence showing the submission of the documents. XXXX XXXX  XXXX XXXX also recommended that I file a report with them because they have experienced the same lack of response from XXXX XXXX. 
This refined timeline underscores the repeated efforts to communicate with XXXX XXXX, document submissions, and the persistent issue of receiving payment notices. It clearly demonstrates the challenges faced by both XXXX XXXX and XXXX XXXX in resolving the matter with XXXX XXXX. 
Saturday, XX/XX/2023 - XXXX XXXX  XXXX XXXX emails XXXX XXXX, confirming the successful submission of the document to XXXX XXXX after multiple attempts. 
Tuesday, XX/XX/2023 - XXXX XXXX  XXXX XXXX sends another email to XXXX XXXX, expressing concern about receiving billing notifications despite submitting the required document. XXXX details the difficulties in reaching XXXX XXXX  through various means and seeks recommendations from XXXX. 
Friday, XX/XX/2023 - XXXX XXXX  XXXX XXXX emails XXXX XXXX, informing XXXX that she has faxed the document to XXXX XXXX, emphasizing its urgency. 
Wednesday, XX/XX/2023 - XXXX XXXX  XXXX XXXX sends an urgent email to XXXX XXXX, highlighting the ongoing issue with XXXX XXXX. XXXX expresses frustration and concern about the continuous receipt of payment notices despite submitting the required documents. XXXX outlines their unsuccessful attempts to contact XXXX XXXX through phone, email, and chat and requests assistance from XXXX. 
XX/XX/2023 XXXX XXXX sends an email to XXXX, notifying XXXX that she has faxed the deferment request to XXXX XXXXs once again. XXXX specifies that she included the original submission date, the fact that XXXX uploaded the form to their website, and the lack of updates or communication from XXXX XXXX. XXXX suggests considering filing a complaint with the Consumer Financial Protection Bureau if there is no response or account update. She recommends including screenshots from the XXXX XXXX and any records of communication attempts. XXXX expresses her willingness to assist further and acknowledges the challenges in directly contacting loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

US DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, are verifying that I, XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CapitalOne solicited me for opening a credit card account with them through my Walmart XXXX account. I was previously using my personal XXXX XXXX XXXX XXXX to effect payments to walmart. CapitalOne approved my credit card and later sent the physical card to me. XXXX days after approving my credit card I received a call from someone in the XXXX that I had difficulty understanding because of their poor accent in the XXXX language and because I wear hearing XXXX often. They required me to send them a copy of my Driver 's licence and in addition to that required me to send them a copy of my Social Security Card. I refused and they told me that my account was therefore placed on suspenion. I continued to operate with my XXXX platinum to pay for my walmart XXXX online purchases. However and unknown to me XXXX charge for a povidone iodine order totalling {$28.00} was charged somehow to the suspended card ending in XXXX. I never espected that a suspended credit card. Last week on or about XX/XX/2023 I received an invoice from Capital One stating that I owed them almost {$100.00} for this {$28.00} purchase which included late payment penalties interests and who knows what else. I spoke to a manager at Capital One who stated that she would remove all penalties and interests and just leave the {$28.00} charge. I Received an email from XXXX and XXXX today stating that I had received a negative report from Capital One. I called them again. Asked for a supervisor. Was placed on hold. A supervisor named XXXX, refused to give me her last name, came on line. Half an hour later she again asked me to provide her with a copy of my driver 's license and a copy of my social security card. I refused and asked her to close my Capital One Walmart account and completely remove me from all unsolicited email lists from capital One. She said that she could not guarantee that and that my account with them even though closed would continue to accrue penalties and interests and be reported as unpaid. Please help me. I [ m XXXX years of age and my wife is XXXX. We atre both retired living the last part of our lives in peace, or trying to. Thanks in advance for any help you XXXX afford us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is XXXX who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and TransUnion never responded.

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 2023-12-20 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: Strategic Alliances, Inc.
State: KY

Complaint narrative:
On XX/XX/2023 - FFAM360 is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sue this is a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I Purchased back massager machines from " XXXX XXXX '' and the charge went to my Capital One XXXX. XXXX is defective. Contacted company stating machine is defective and I wanted to return it. The company stated they would not accept the return and instead wants to repair the machine. Company provided proof of delivery to Capital One and Capital One closed my dispute. 

See VISA rules print out from " XXXX XXXX XXXX for XXXX '' printed by XXXX. Reason code # XXXX states for a defective item a merchant is not allowed to assert return policy or warranty policy and must accept the return. 

I have a valid chargeback and Capital One wrongly closed my case in violation of my chargeback rights and VISA rules. 

I have attempted to return the item and the merchant has refused the return. 

Merchant response only states they will offer warranty service. VISA rules do not allow a merchant to avoid a chargeback by offering warranty repairs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-20 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:
THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR XXXX, XXXX AND TRANSUNION TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20 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:
THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR XXXX, EXPERIAN AND XXXX TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-20 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: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
BILL WAS OVER PAID AS SHOWN IN ATTACHED SCREENSHOT AND NOT APPLIED TO ELECTRIC BILL, AS A RESULT PENN CREDIT, XXXX XXXX INTENTIONALLY NEGLECTED TO MAKE DUE DILIGENCE TO RECTIFY AND ADD A COLLECTION ONTO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I get a letter from 53 Bank talking about they were closing my account after I was on the phone with them saying I need to know what charges are making my balance {$200.00} when I haven't used it, and they said the only charges they showed were just answer charges of a combined charge of {$70.00}, and those charges were credited back! 

So no 53 Bank shouldn't be allowed to close my card with charges that aren't mine : because I am not paying for {$200.00} charges that aren't mine, and the 53 rep couldn't find where the charges are coming from!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have a Prepaid Debit card with PayPal. I would load money on this card to pay my rent with. I tried loading {$370.00} on this card starting on XX/XX/XXXX. I would load money on my card at XXXX XXXX. It wouldn't load, cashier tried 3 times. I went out to my car to XXXX PayPal, call them to find out why. I called XXXX of the numbers XXXX listed. XXXX from PayPal Customer Service told me to download XXXX. He said the problem was I needed to verify my identity with their server. He had me open XXXX and he started to apply for these XXXX in XXXX loans. I started screaming stop. I then uninstalled XXXX. Over the next couple of weeks he would call me or text me saying that he needed to verify all the accounts linked to my PayPal account. He told me just this past weekend that he would refund my money only if I would purchase XXXX {$100.00} XXXX XXXX cards and he would verify my identity with the PayPal server with these cards, then refund all my money plus the {$300.00} for the XXXX XXXX card. I feel absolutely stupid. He took money out of my savings account at a different bank as well as purchased XXXX {$100.00} Gift cards to XXXX and charged it to my XXXX account. I've been praying that when they investigated they look at my accounts. I've had PayPal since 2016 and these types of transactions are not the norm for me. Ive never taken out XXXX in XXXX Loans. My PayPal charge account, I would have a little balance then pay it off. However the scammer got my XXXX PayPal credit accounts. I did not authorize any of these transactions. I've tried reporting thse to PayPal but they deny my claim. Please please help me. I work at a gas station. I don't have money to being paying loans I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
Company refused to send information stating that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY

Company response to consumer: Closed with explanation