vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-03 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: GA

Complaint narrative:
I was doing an investigation of my credit and what I found really scared me. It has been effecting my health ever since, because I do rely on my credit to assist in my life, and my rates are now through the roof because of the many errors in the reporting of my account and inquiries. This is having a very bad impact on my physical and mental health, because of this I am worried about getting food and even my medications.

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 2024-01-03 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:
Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1681c-2 Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 

The following information is not related to any transaction or activity performed by me : EXPERIAN XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by 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 2024-01-03 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: Zions Debt Holdings
State: IN

Complaint narrative:
In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Zions Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: WA

Complaint narrative:
On XXXX XXXX, 2023, I received an email from XXXX that stated they believed my account had been compromised and I was instructed to change my password. 

I realized that several attempts had been made to send money from various financial accounts. I have listed those transactions other places in this report. 

I immediately reported the fraud to Bank XXXX XXXX, Charles Schwab, XXXX, and XXXX. 

The XXXX XXXX XXXXXXXX and Schwab transactions involved someone who tried to send money to ( my name ) in XXXX using XXXX XXXX. I immediately reported the fraud to XXXX XXXX. I learned at this time that someone had created an account with XXXX XXXX using my email address and name. 

I would like to point out that I was definitely not in XXXX and did not receive this money. 

I suspected someone may have compromised my home desktop computer, and so I immediately disconnected it from the Internet. Later, on XXXX XX/XX/2023, I discovered evidence that someone took remote control of my home desktop PC. I discovered remote access software ( XXXX ) as well as software called " XXXX  '' which I believe is used to extract passwords saved in my web browser. 

Later, I received a noticed from XXXX XXXX that they had suffered a severe data breach and some personal information was stolen shortly before the above-described incident. I suspect, but can not prove, that this lead to the hacker gaining control of my computer. 

Schwab 's Security Guarantee, found at https : //www.schwab.com/schwabsafe/security-guarantee, states : Schwab will cover losses in any of your Schwab accounts due to unauthorized activity. 

However, Schwab has denied my claim with no information other than " Documents from merchant. '' I have filed reports with the FBI as well as the XXXX Police Department detailing the incident, and attesting that I did not initiate the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
Im filing a complaint of harassment Against William Rush & Associates. They have been attempting to collect a debt that I do not owed since XXXX, which is outside of the statute of limitation from XXXX. The amount of debt of {$7400.00} is not accurate. The company, William Rush & Associates, has not provided me with any proof of ownership or a Bill of Sale regarding this debt. I do not owe this amount and deny their allegation. I've previously filed several complaints ( XXXX, XXXX, XXXX ) against the company on XX/XX/XXXX and filed several disputes where the collections were removed, however every 6 months or so they kept assigning the case to another collection agent which is illegal. All the supporting documents were previously added to the previous complaints. I will seek litigation for monetary damages along with the violations they have already committed. 


According to GA Code 9-3-24 : All actions upon simple contracts in writing shall be brought within six years after the same become due and payable. In other words, creditors and collectors must take you to court for any debt, based on a written contract, within six years of the last action on the account. 



GA Code 9-3-25 states : All actions upon open account, or for the breach of any contract not under the hand of the party sought to be charged, or upon any implied promise or undertaking shall be brought within four years after the right of action accrues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
Completed SAVE plan for Mohela on XX/XX/2023. 

Had my loans placed on Deferment while application was being processed. XXXX seems to still be in process. 

I have not been informed of my application being complete. I have not been informed if I qualified for XXXX XXXX. 

Received letter and email on XX/XX/2023 that I was passed due on my first payment and that an additional pay would be due XX/XX/2023. 

I was never informed that my deferment had ended from the XXXX plan application. 
I was never informed of my first loan repayment ( I received a past due letter instead ). 

I haven't received communication via phone, mail, email, or within Mohela module of such changes. I was simply informed of my past due bill and my upcoming bill. 

In the past I've had conflicting information from Mohela on my status. Mailed information has deferred from what is listed within the Mohela website account. 

Till this day I am not sure if I've been placed on the XXXX Plan. By the looks of the amount due I think I am not in the XXXX Plan. 

Having to take time off work to address this during business hours has been challenging. 

Any information of any changes from XXXX until present would be greatly appreciated. 

I fear my credit score being impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PayTomorrow, LLC
State: TX

Complaint narrative:
This company has refused to stop XXXX debits from the debit cards I have on file. 
I have written several " revocation of XXXX emails ''. 
I have requested that they close the account immediately. They will not honor any of my request. They also say I can not return the property in question to end this lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX And Cash App XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Client : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Dear Concerned Parties, I trust this message finds you well. I am currently experiencing a significant issue with Cash App on both ends and urgently need resolution for my funds. Given the lack of progress in our current communication, I find it necessary to escalate the matter. Effective XX/XX/XXXX, I will be filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ), and your state Attorney General 's consumer complaint department. The ongoing situation, marked by the shifting of blame between both companies, has left me frustrated with the absence of answers or access to my funds. Funds : {$3900.00} for XXXX XXXX XXXX ( Attached, please find the receipt of funds ) Cash App contends it never received the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had sent three transactions through XXXX XXXX. XXXX, XXXX and XXXX. Two different people accounts but the same person I was dealing with. It was for merchandise and I never recieved it. XXXX XXXX told me once the customer I sent the money to accepts the money. I can no longer get my money back through XXXX XXXX. Unless that person sends me money back. I asked them for money back. And they just kept at XXXX and declining it. And so I contacted cash app and they told me to contact my bank. XXXX contacted Wells Fargo. Put in a claim on XX/XX/XXXX I waited XXXX business days and today. They told me that I was denied because it was a money transfer and not a debit or credit card purchase. And that is why I was being denied. Because for XXXX XXXX, your bank account is what's linked to send money, not your card.

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 2024-01-03 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-03 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: FL

Complaint narrative:
Dear whom this letter may contain, There is information on my consumer report that is a result of identity theft. I did not provide written instructions or permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be updated to " paid as agreed ''. My request is not being made in error, nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to update the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief