vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I submitted a dispute using Barclays website, for a purchase made through XXXX totaling {$2000.00}. I never received this purchase and the seller had specifically asked me to send a friends and family payment, after refunding my goods+service payment. I never got any information about this case outcome, until I called into Barclays on XX/XX/XXXX. I was told over the phone that XXXX claims that friends and family payments are a violation of their XXXX XXXX XXXX. I was told by Barclays representative to send over all my documents supporting my case, to have it reopened. I sent by mail AND fax. On Monday, XX/XX/XXXX, I called to make sure Barclays received it, just as the last agent had advised that I do. I was told yes, we got it on XX/XX/XXXX. Today I received a letter dated XX/XX/XXXX from Barclays stating that they were siding with the merchant and that " services were rendered. '' That is not true, and there is not a single shred of evidence to support that. I called again to billing disputes department XX/XX/XXXX. Here, I was told there was a mistake and my case with mishandled by a customer service agent who failed to " pend '' my case and have a manager review it. It was incorrectly closed out. They also counted my fax and mailed copy of the same review as a duplicate, and essentially said I could not re-open it. The agent dug a little further and found the mistake, also that there had only been XXXX letter of communication with me in regards to case results and said that would be grounds for them to re-open the case. I am sending the information he requested, but also opening a case here as it is evident that the case has already been mishandled. I was also given a case report number that was in their internal notes XXXX stating that the case was closed incorrectly without manager review.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
No warning and sent to wrong person couldn't get money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Application submitted to switch from SAVE to PAYE on JuXX/XX/XXXX. Much prior to the application processing freeze and before deadline for applicants to PAYE. 

It is now almost XX/XX/XXXX and there is no response or processing of the application and currently affected by the SAVE litigation and unable to make payments and obtain credit for PSLF. 

I was informed by Mohela advanced agent that the applications would be processed in the order they were received but applicants who submitted in XX/XX/XXXX are getting their applications processed while the application I submitted in XX/XX/XXXX is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to any credit transactions that I have made these are the inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I called the XXXX XXXX XXXX to find out why they are trying to collect a debt from me and what the debt was for. But they told me I would have to pay money for them to tell me what the debt was for. They then began to ask for debit or credit card information. I already gave them my basic information including my name, date of birth, address, and last XXXX of my social. I refused to give payment before they told me what the collection was for and they hung up on 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 2025-01-31 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: NY

Complaint narrative:
I HAVE DISPUTED ITEMS ONLY TO COME BACK VERIFIED AND STILL I HAVE INFORMATION THAT DO NOT BELONG TO ME IS BEING FURNISHED, DISSIMINATED, SOLD, SHARED AND STORED WITH OUT MY CONSENT BY XXXX, TRANS UNION AND XXXX IN MY DATA, I HAVE STATED UNDER FCRA MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND THE SAME ISSUE NOW PREVENTING ME FROM OBTAINING A MORTGAGE DUE TO THESE ACCURATE REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I HAVE DISPUTED ITEMS ONLY TO COME BACK VERIFIED AND STILL I HAVE INFORMATION THAT DO NOT BELONG TO ME IS BEING FURNISHED, DISSIMINATED, SOLD, SHARED AND STORED WITH OUT MY CONSENT BY XXXX, XXXX XXXX AND EQUIFAX IN MY DATA, I HAVE STATED UNDER FCRA MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND THE SAME ISSUE NOW PREVENTING ME FROM OBTAINING A MORTGAGE DUE TO THESE ACCURATE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Our property was sold and closed on XXXX XXXX, XXXX. The closing atty sent a cashiers check in the amount of {$290000.00} on XX/XX/XXXX ( received XX/XX/XXXX ). The bank informed him of a shortage and the remainder in the amount of {$1500.00} was sent on XX/XX/XXXX ( received XX/XX/XXXX ). Both Checks totalling {$290000.00}, which was the payoff amount quoted by the bank and good til XX/XX/XXXX. 
XXXX XXXX I was informed that the loan had not been closed out yet, no other information was given. 
XXXX XXXX I was told that the payment had been rejected because now it was short {$710.00} ( as per their letter dated XX/XX/XXXX the payoff was {$290000.00}. 
XXXX XXXX I was informed that the {$1500.00} had been applied to " a payment ''. 
I asked if it could be reversed as there was no payment or escrow to be paid, they informed me they could not. 

Both the closing attorney and myself have made numerous calls and unforetunately always have to speak to different supervisor, each giving us a different story. Monday I was told they had the funds and would be closing out the loan, to call back in 2 days. Today I was told that the cashiers check had been destroyed by one supervisor and another told the attorney that it had been sent back to me on XX/XX/XXXX. 

Again, this property sold and closed on XX/XX/XXXX, the new owners are already occupying the home and I have alread received the proceeds from the sale. SPS Servicing is not closing this loan in a timely matter and are continuing to charge interest on this loan, furthermore ruining my credit. WHen I call I am also informed that the file is being sent to an attorney for non-payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp, which at the time, and for years prior to the corrupt company fraudulently closed my account after initially suspending my access to certain aspects of the app, virtually rendering it useless, while they investigated " suspicious activity '' on my account - that I did not report nor had anything suspicious on my end. 

So they " investigated '' the " suspicious activity '' they somehow, somewhere had found on my account, justified the closure of my CashApp account, without any further explanation other than the initial " in response to suspicious activity on your account '' I originally received when they suspended my account and the same when they closed my account and I was never able to access my funds or stocks or Bitcoin etc. Nor was I issues a check for remainder of funds in account. 

Not entirely sure about the exact date but they closed my account about a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-31 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
All 3 LVNV accounts were written off by creditors and XXXX this account on there taxes as a loss I have requested original contract from original debt with my signature and they refuse to give me original contract in writing. Also they continue to show different amounts not related to account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called because my account has been compromised. Someone changed my email to log in and so now I can no longer access my account. They also were able to open an XXXX XXXX card in my name which thankfully I was able to close. I called Experian to try and fix this only to be told they can't help me they have to send me to member services. Member services is an automated line which does not have an option to help me and then hangs up. When I spoke with the supervisor XXXX he laughed at me and said only thing I can do is send you to the automated line. I said how are you going to send me somewhere that can't help me. He said sorry that is all I can do. They are no holding my credit hostage allowing someone else to control what they can do with my credit. This is absolutely NOT okay and they won't do anything to help me. How is this allowed! I have attached a copy of the email address that is not mine but is listed as the email address for my account. I even tried to reset my account with phone number and social security and that does not work either. This is absolutely unacceptable!

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 2025-01-30 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:
I recently reviewed my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report immediately, they are hurting my ability to obtain credit.

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 2025-01-30 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: CT

Complaint narrative:
Hello, I was reviewing my credit report and noticed I have a fraudulent account on my credit report. I have never done business with this merchant or the original merchant. This account is causing me to not repair a plumbing issue in my home. Please review and have Experian furnish a contract showing i have done business with this merchant. please remove asap! 

Thank you in advance, 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 2025-01-30 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: FL

Complaint narrative:
I was extremely frustrated to see an unauthorized inquiry show up on my credit report this morning with no explanation. I always review my credit report, yet this time, an error appeared out of nowhere. I even refreshed my browser to make sure it wasnt a mistake, but the issue didnt go away. I need this matter resolved immediately, and I expect my submitted documents to be thoroughly examined so I dont have to deal with this again.

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 2025-01-30 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: NY

Complaint narrative:
My Name is XXXX XXXX XXXX SSXXXX DOB XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX , My rights have been violated, My account is not in concordance with the CFBP regulation, with XXXX and Equifax, i have disputed this matter about my XXXX card, XXXX card, and XXXX card with XXXX and Equifax, about my closed account, recording, about 5 times. The last time I put in a dispute was on XXXX XX/XX/year>, Today is XX/XX/XXXX and I still have not received a response over 30 days with my dispute, now I am locked out of my dispute account section, it is saying on the page something is not right, I should visit dispute center, I can not visit the dispute center because am locked out, can you please look into this matter with my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.

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 2025-01-30 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: FL

Complaint narrative:
The ongoing errors on my report are not only frustratingtheyre outright harmful. My score is being dragged down by information that is either incorrect or cant be verified, and its costing me opportunities Ive worked so hard to earn. It feels incredibly unfair that Im being punished because of these mistakes.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There was a hard Inquiry on my Credit Report from Capital One and Fingerhut that I did not authorize. I am already a capital one member and have been for years. I do understand that soft pulls ay occur without affecting my credit to see if I am eligible for increases, etc.. However, this was a fraudulent hard inquiry. An attempt was made to open an account and that was not me. I would like this removed from my credit report immediately. I reported this to Capital One, and was told they will mark this as fraud. However I could not get documentation of this and I want this removed from my credit reports immediately. As of now, I have a freeze on all 3 credit companies. I have excellent credit and I want these accounts removed from my report.

Company response to consumer: Closed with non-monetary relief