vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I ordered 2 items thru XXXX, on XXXX after multiple ( 7 ) communications with customer service I was directed to return item XXXX to a specific location of XXXX XXXX XXXX. XXXX XXXX, CA. XXXX which has entry and exit Surveillance during the XXXX XXXX. PST hour. After extensive talks, the customer return desk said I have to ship item to a 3rd. Party. I disagreed because the XXXX XXXX customer service of XXXX assured this return with no hesitation, as I made clear my purchases was thru XXXX. I them requested to speak to management who didn't show after 20 minutes. I then decided to leave item at the above mentioned address. Todate, XXXX says customer ( I ) never brought item to it's location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) 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 a 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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX  ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name- XXXX XXXX Account number- XXXX Account name- XXXX & XXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX  XXXX  Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX  Account number- XXXX Account name- XXXX  XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX Account number- 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 a 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: MD

Complaint narrative:
Netspend sent me an unsolicited Mastercard IN THE MAIL and I did not request it. It is illegal to send credit cards in the mail as a promotion. Further, you have to opt out in order to cancel the card and it takes 30 days to be removed from their mailing list. ARE YOU SERIOUS!! They should not be allowed to do this and of course I had to XXXX a good contact number as it was not provided in the advertisement.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
A lawsuit petition for {$11000.00} from Persolve XXXX, LLC was served via process server on XX/XX/XXXX. An official answer was submitted on XX/XX/XXXX. Affirmative Defenses included the following : XXXXDefendant is not liable to Plaintiff because Plaintiffs claim for breach of contract is barred by the four-year statute of limitations in Texas Civil Practice & Remedies Code section 16.051 XXXX 

XXXX. Defendant is not liable to Plaintiff because Plaintiff lacks standing to sue. 

XXXX. Defendant is not liable to Plaintiff for the amount of damages claimed because Defendant is entitled to offset. 

XXXX. Defendant is not liable to Plaintiff because Plaintiff was not a party to the original transaction. 

XXXX. Defendant is not liable to Plaintiff because the agreement does not comply with the requirements of the statute of frauds. 

On XX/XX/XXXX, Persolve XXXX, LLC submitted a motion to dismiss. This order was granted on XX/XX/XXXX. Persolve XXXX, LLC has continued to report an outstanding balance to ( 2 ) credit bureaus, XXXX and XXXX. Persolve XXXX, LLC recently updated an outstanding balance of {$21000.00} to XXXX and an outstanding balance of {$21000.00} to XXXX. 

This issue has been dispute with XXXX, XXXX, and Persolve XXXX, LLC. All of which have filed to remove this reporting. This negative and false reporting has caused a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I have had trouble with both administrators of the Federal PSLF program ( initially XXXX and now Mohela ). I have submitted information regarding my eligible employment in order to have my " qualifying payment counts '' toward loan forgiveness updated in advance of the XX/XX/2022 deadline. My most recent round of trouble started in XX/XX/2022. I submitted my forms to XXXX, and learned that before processing my request, they sent my loan and documents to Mohela. Once the transfer was complete and I was granted access to Mohela.com, I logged in at uploaded my documents again. I uploaded these forms on XX/XX/2022, XX/XX/2022 and now again XX/XX/2022. Mohela sent me XXXX letters on XX/XX/2022, all with conflicting messages and failed to credit all of my qualifying payment counts, though they did acknowledge some. It has been impossible for me to resolve this directly with Mohela. After several attempts to contact them via phone ( all ending in an automated system telling me that they are " unable to locate my student loan account '' and disconnecting the call ) and an attempt via their own online messaging system ( made on XX/XX/2022 and as of today, I have not received a response ) I am reaching out to the CFPB in order to aid me in resolving this matter. I fear that Mohela intends to ignore or continuously deny my request through the application deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with 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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$630.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked the credit bureaus to do a XXXX  review of my personal credit report they did and when i review after their reviews i see that there is still incorrect information reported in my report that they did not see. 
In accordance with the fair credit reporting act, XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX and companies that access my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  have violated my rights 15.usc 1681 section 602a sec2 : it also states a consumer reporting agency can not furnish a account without my written instructions, i have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I asked the credit bureaus to do a XXXX review of my personal credit report they did and when i review after their reviews i see that there is still incorrect information reported in my report that they did not see. 
In accordance with the fair credit reporting act, XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX and companies that access my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15.usc 1681 section 602a sec2 : it also states a consumer reporting agency can not furnish a account without my written instructions, i have been violated

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