vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
On XX/XX/2023, I booked a condo through XXXX for XXXX XXXX XXXX. I signed the Rental Agreement, and I paid the full amount of {$5700.00}. The property was removed from XXXX and the rental company, XXXX XXXX, would not respond to email or voicemail for clarification. A few days before the reservation date XXXX informed me that they would give me a refund and cancelation. On XX/XX/XXXX, I receive a welcome email from the rental company sent me an email re-confirming my reservation. Due to a lack of communication I had already booked a different villa from another website. I contacted my credit card company and they credited my account for the full amount. On XX/XX/XXXX, the rental company sent me to a collection agency, Capital Accounts. On XX/XX/XXXX, I received an email and letter from Capital Accounts for {$7400.00}. The reference number is XXXX. I contacted them via email that this was a misunderstanding and that I was working with XXXX to correct it. On XX/XX/XXXX my credit card company reversed the credit, applying the full amount back to my credit card. XXXX left out a lot of details to the credit card company so I reported both XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX and XXXX XXXX  sent me separate emails and refunded me for the full amount which was {$5900.00}. Since then Capital Accounts have continued to send me letters stating that I owed them {$7400.00}. After having received another letter from Capital Accounts on XX/XX/XXXX, I tried calling them. Every time I am connected to my case manager, she is requesting payment. The connection is very poor and breaks up. I can not hear what she is saying. I sent them another email with attachments of the refund emails from XXXX. I contacted XXXX XXXX  to contact the debt collector but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: CO

Complaint narrative:
I made an agreement with the debt collection through XXXX XXXX  to pay a monthly payment for the agreed total amount that I owe they refuse to send me a copy of the agreement of the amount remaining and the monthly payment I called XXXX XXXX  and talk to XXXX who is the debt collector he says I don't have any right to a copy of any of that and refuse to give a copy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXXXXXX XXXX ( XXXX ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I send money to my family with moneygram XXXXXXXX XXXX and my family can't get the money. The day was XX/XX/. After that, I canceled the transaction, asking my money back. They asked for some information about me, and I sent them. I'm still waiting. Almost a month ago, neither my family nor I had the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: HI

Complaint narrative:
- XXXX XXXX started school  with approved $ XXXX loan. 
- XX/XX/XXXX paid back first $ XXXX, $ XXXX interest was refunded to me due to quick payment. 
- XX/XX/XXXX paid remaining XXXX, loan bought to {$0.00}. 
- XX/XX/XXXX Called student loan provider due to communication on student loan forgiveness being distributed by media, they stated I qualifed for student loan forgiveness based on payment made in XXXX Info given on money being sent to me via mail or direct deposit. Requested for mailed check for paper trail. 
* no communication on ramifications or parameters for this money at this time. 
- XX/XX/XXXX received $ XXXX direct deposit into my account, called XXXX to confirm where deposit came from, they stated looked like form government, first calling student loan provider could not get through, multiple hang ups. 
- XX/XX/XXXX received an email stating I have a monthly statement for payment due on XX/XX/XXXX, called student loan provider to rectify. 
- XX/XX/XXXX called again to get info on this email I received and what they can do as I don't have a loan, I was advised I'd receive email with a link to file a complaint, no email received. 
- XX/XX/XXXX called again and was told I could file a complaint with her verbally and I did, nothing sent in writing to me. I was told someone would contact me on XX/XX/XXXX. 
- XX/XX/XXXX called back again due to no communication, I spoke to 2 ppl, customer service and supervisor repeating that I had a loan that needed paying and I received a refund not student loan forgiveness and need to pay it back with interest, asked why I didn't receive direct communication on the circumstances, told it was send to my student loan provider account digitally, I didn't check it as I don't have a loan outstanding. I requested for phone call to be pulled on the day I called asking for student loan back in XX/XX/XXXX. 
- XX/XX/XXXX they finally call me back to say must pay back loan and the refund is now a loan that must be repaid and I can request for an advocate to further discuss. I was told it would be implied that my refund would be a loan that needed repaying. I clarified that I request for student loan forgiveness not a refund or loan. I did request but haven't received any writing communication on anything as any point in time over the last month on my requests for rectifying. 

Note : - Lack of transparency on refund not forgiveness. - Did not explain refund parameters instead of forgiveness, nothing esle told to me and nothing in writing of the conditions of agreeing to refund or any parameters for it to be repaid as a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TX

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 U.S.C 1681 Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX Acct # XXXX Account Name : XXXXDept. of Education Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX  Account Name : XXXX. XXXX XXXX Acct # XXXX Account Name : XXXX XXXX  XXXX  Acct # XXXX Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Section 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 adverse item 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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 6 O 4 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: SC

Complaint narrative:
I bought a NETSPEND WesternUnion WU Debit Card from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX SC XXXX phone : ( XXXX ) XXXX for the amount of {$45.00} dollars on XX/XX/23, Card Description : NETSPEND WesternUnion WU, Card Number XXXX XXXX XXXX XXXX, XXXX XXXX, the card is issued by XXXX XXXX XXXX Member FDIC License by XXXX. I called WesternUnion Customer Care Service twice at XXXX and they said they could not help me register my card nor did they cared to try to identify me said the XXXX XXXX XXXX didn't activate the card claiming that the store has a WesternUnion Representative which sounded like a bunch a of XXXX. The WesternUnion app would not register a user name and a password for me and I called WesternUnion Customer Care Service a 2nd time and got absolutely no where with those inconsiderate reps to help me resolve this problem of registering the card, when a customer pays for service of a product that's worthless is thef, so this is why I'm filling a complaint.

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 2023-10-16 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: GA

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. 

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: PA

Complaint narrative:
I made multiple payments in XXXX for my XXXX card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.

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 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
FDCPA Violation Threats to take legal action, After I disputed with XXXX file number XXXX on XX/XX/2023 XXXX consumer relations..on XX/XX/2023 I got a threat to be sued in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: LA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Hello - I previously attempted to pay off my student loans in full on XXXX. Aidvantage failed to process the payment XXXX separate times, eventually requiring me to transfer my funds to another bank in order to finally complete the transaction on XX/XX/10. During the XXXX timeframe, additional interest accrued on my account which was due to technical issues cause by Aidvantage. 

My payment on XX/XX/10 was for the amount I attempted to pay on XXXX ( {$61000.00} ), the remaining balance in my account is the aforementioned accrued interest due to Aidvantage 's technical issue. I would like that amount due erased from my account and my loans being designated as officially paid in full. 

Please contact me at the following there are any additional questions : XXXX ( XXXX ) XXXX Thank you in advance for the help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This issue concerns a complaint that has been addressed and resolved through cfpb on XXXX previous complaints. Complaints XXXX and XXXX. I didn't bother calling this debt collector out of frustration with the repeated harassment and invasion of privacy by these debt collectors representing XXXX. I do not owe XXXX any debt nor have any contract with them ( please see attached previous complaint ). I don't know why these debt XXXX continue to report a debt that does not exist on my credit reports. This is currently reported in XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I used my CashApp card at a XXXX to purchase some items that totaled {$23.00}. The card declined so I retried it for {$8.00} and it declined again, so I left without purchasing anything. Its been 3 days and I still have a pending transaction for {$23.00} on my account and CashApp has given me 3 different stories on when this debt-pin charge will go away or expire. This exact same scenario happened at a XXXX XXXX the next day and that transaction isnt still pending on my account so why is this transaction sitting here and why wont CashApp just void it? There was no purchase made and if its legal to hold my money for 3 days on a purchase that didnt happen then why didnt the {$8.00} charge sit there too? This is ridiculous. Cash App will not do anything about it or answer my questions. Ive tried to contact the merchant and can not get them to answer their phone. At the point of sale ( or decline I should say ) the merchant told me it is my bank who is holding the money not them. So who is it that holds the funds even when it was a charge that didnt go through?!!

Company response to consumer: Closed with explanation