vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX # XXXX -- {$18000.00} XXXX # XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX  # XXXX Closed Accounts : XXXX # XXXX -- {$18000.00} XXXX # XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NJ

Complaint narrative:
On XX/XX/2023, I repaid my student loan in full through EdFinancial for the amount of {$8000.00}. Originally my loan is only {$8000.00}, but they sent an email saying they would begin due dates in XXXX once interest began again starting XX/XX/2023. So, I paid the loan in full plus interest to avoid any more interest accumulation. I have a confirmation email showing the confirmation number stating the loan was paid in full. When I checked my account days later through my account on EdFinancial ( on XX/XX/2023 ), it said the payment has been reversed. I have received no notification showing that the payment was reversed and if I never checked than I would never know. Now I have accumulated even more interest. I will not be paying anything past the amount from XX/XX/2023. This is happening to several people across the U.S., please help me resolve this issue and be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
Frankly XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXX/Equifax/XXXX  regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX  keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: OH

Complaint narrative:
In accordance to the Fair Credit Reporting Act, XXXX XXXX XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I enrolled in to the XXXX in XX/XX/2023 and the money that was paid in from beginning of the loan till XXXX was taken out the account to be adjusted in the interest and reallocated back to the account. When they did this it made my account go severally delinquent ending up in collections within Capital one auto finance and then it was sent to mine and my wifes credit as a charge off resulting in my credit dropping XXXX points and my wifes dropping XXXX points. All because they took way to long to reallocate the fund taken out and I called every week religiously telling them whats going on and no one wanted to listen to me. And now my wife and I are suffering because our credit is all messed up thanks to capital one bank we cant buy a house now and also we feel like we are being punished by using our XXXX thats a federal act to lower our interest, the interest was lowered and the difference in the interest of the 28 month we made payments were applied to XXXX XXXX  and we will be resuming payment in XX/XX/2023. But for capital one to take over a month to figure out the difference in interest of XXXX payments and the money had been taken out the loan account made it delinquent resulting in false credit reporting. I spoke with Presidents office at Capital one and they owned they made a mistake but we are still suffering and havent gotten all our points back and plus we are suppose to have more points back because the auto loan decreased. So the amount reported as charged off was {$18000.00} something dont know exact number but after the interest was lowered our principal balance as of today is {$14000.00} and I talked with XXXX with the presidents office and he said that they would send over the credit information to the credit bureaus so they did that and the amount reported on my auto loan was {$16000.00} which is incorrect again and nothing was reported to my wifes credit since the charge off was made shes still XXXX points short. I have an attorney that gave me yall information to file a complaint. So I hope this doesnt happen to anyone else Also my name on the auto hasnt been updated its XXXX XXXX not XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: AZ

Complaint narrative:
A random account that went by ( XXXX XXXX  XXXX ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( ASSETCARE LLC ) and when I looked into it, i noticed that it was for the same amount that the ( XXXX XXXX XXXX ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My full name is XXXX XXXX on my state ID. You have a suffix on my credit report as XXXX XXXX XXXX. I am not a XXXX my brother is the XXXX. Please remove the suffix XXXX off my credit report. I have attached my state ID as proof of legal full name.

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 2023-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one allowed someone to open a fraudulent account in my name using my stolen identity

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

Complaint narrative:
The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it.

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score.

I would like to request a thorough investigation and correction of this error as soon as possible.

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 2023-10-10 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: TX

Complaint narrative:
The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX XXXX XXXX XXXX XXXX  ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Subject : Unauthorized Charges on My Credit Card On XX/XX/2023 I discovered a transaction on my credit card statement that were made without my permission. These charges are as follows : Transaction Date : XX/XX/2023 Amount : XXXX Description : Apple XXXX XXXX Add additional unauthorized transaction of XXXX on XX/XX/XXXX at Apple Online Store that I blocked.

As soon as I noticed these unauthorized charges, I took immediate action by contacting Apple Goldman Sachs customer service team. I spoke with [ Customer Service Representative, who was extremely helpful in addressing my concerns. During the call, I provided all the necessary information regarding these unauthorized charges and was assured that the matter would be thoroughly investigated. 

I would like to emphasize that I did not authorize these transactions in any way, and I request a full investigation into this matter to determine how these charges occurred without my consent. 

I take the security of my credit card account very seriously, and I hope you will take the necessary steps to rectify this situation promptly. 

I appreciate your prompt attention to this issue and your commitment to ensuring the security and integrity of my credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries 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 2023-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I called money lion several times. I have been a member of money lion for several years. I use them for XXXX XXXX XXXX  and I have used them for their credit builder plus loans. At the end of XXXX I notice there was a XXXX XXXX XXXX withdrawal on my account and the money was put into an account that was not mine. From an institution that I have never heard of. I immediately reported this as fraud on XX/XX/XXXX. This company is the worse company ever. There is a clear language barrier and i have spent countless hours explaining the same thing to several people with no resolution. This is my credit that's on the line and i need to speak with a competent person who can assist with my account and the details of my account so that im assured that im not going to be responsible for this fraud and my credit builder plus loan is not going to be reported late. 

I was told initially my fraud investigation would take 5 days. Its been over a month and i call and follow up weekly and there is no new information. Whenever i ask for a supervisor they tell me one isn't available. After holding for an hour im told they still need to research the information on my account and someone will call me back but NOONE ever calls back. 

This credit builder plus loan reports directly to my credit and my main concern is making sure that loan does not get reported delinquent on my account. They keep telling me i need to make payment on the app and ill i need to do is reset my password. Well its no surprise that i can not reset my password because ever since my account was hacked and i reported it as such i stopped receiving password reset emails and they insist on telling me they are sending me emails and i keep telling them i can not get their emails to the email they have on file. I requesting changing the email but their telling me they can not do that either they have to use the original email with seams absurd. Today XX/XX/XXXX i spent XXXX hours hanging up and calling back praying to get someone competent on the phone who can help me to know avail. I'm told the dedicated team is working on my account and they will call me back. I'm fed up its horrible to have consumers spend hours and hours and hours trying to resolve a potential financial issue and the company completely disregard my concerns have no sense of urgency for this matter as I was originally told 5 days and its been over a month.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: NC

Complaint narrative:
On XX/XX/XXXX I received an alert that there was an new credit account on my credit report for a company called XXXX XXXX in XXXX Wisconsin. I immediately put in a disputes with all 3 bureaus, had a freeze place on my credit reports and a XXXX alert placed on my credit reports and made a police report. I called XXXX XXXX about this account because I assumed it to be opened fraudulently upon speaking to XXXX XXXX and then a XXXX XXXX at XXXX XXXX I was told that the account did not belong to me that it belonged to another person with a similar name as mine this person also lives in another state. A state that I have no association with. After a 30 day investigation XXXX removed the item and address off my credit report stating that after their investigation it was found that the account did not belong to me. Yet XXXX and Transunion refuses to remove the account or address off my report stating that the account is being reported as mine from the creditor and is associated with my social security number which is not true. I contacted the company XXXX XXXX again on XX/XX/2023 and was told that the account was not mine and that they are not reporting the account as mine that it belongs to another person with a similar name as mine and that the XXXX and Transunion have made a mistake in there finding. I have been trying to get this taken care of for the last 3 months and both companies XXXX and transunion refuses to investigate this properly. If they did their investigation properly they would have found that I have never lived at or have any association with the address belonging to the account and that the company XXXX XXXX does not have me on file as having an account with them. These companies are refusing to investigate properly and will not remove the address or account that does not belong to me 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
Consumer complaint received 2023-10-10 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX  sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. Midland credit, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX midland credit XXXX XXXX XXXX  )XXXX XXXX XXXX, midland ( XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.

Company response to consumer: Closed with explanation