vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if 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 2023-03-07 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: FL

Complaint narrative:
In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, Dept of edXXXX ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


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

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

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he 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 2023-03-07 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: FL

Complaint narrative:
In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept of ed/XXXX XXXX # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


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

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

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the last 2 years Experian has consistently blocked my credit report and scores. 
Experian has made it impossible to call and make an inquiry into why they are not reporting my credit report and scores. 

When I try to use my credit most lenders pull from Experian here in the Texas area, and I have been told repeatedly by lenders that Experian does not show a credit file for me. 

I have sent certified mail with tracking to show proof of my identity and home address. 

Note : I have NEVER request a freeze or any alerts on my credit file either. 

Please help!!!

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 2023-03-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: MI

Complaint narrative:
I received correspondence stating I owe this company money and upon inquiring what it is for they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I requested validation of debt pursuant 15 USC 1692g and sent them a letter on XX/XX/XXXX and XX/XX/XXXX last year. They only sent me an account summary and didn't provide each requirement that I'm asking to validate the debt. This is already affecting my scores and I want them removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-07 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: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Incorrect information on 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 2023-03-07 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: MI

Complaint narrative:
- XXXX XXXX XXXX XXXX, GA XXXX Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The hard inquiries that I did not furnish or approve are : XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I paid Synchrony {$1000.00} XX/XX/2023 and gave them authorization to debit {$2700.00} from my card on XX/XX/2023 I was given confirmation numbers of both payments. I called a week later to make the final payment 2weeks early and was told they no longer had my account and that it was in collections. I asked how can it be in collections when u just got {$1000.00} from me less than a week ago? They refuse to send me confirmation of the {$1000.00} payment. They refuse to correct this on my credit report. Synchrony accepted payments from me, my account isnt a charge off nor is it closed. I have called three times so far asking to have the status of my account corrected and requesting proof my account is paid in full. They claim they emailed it. I said I hv checked Spam, inbox etc. I have received nothing. I even asked for a letter they told me dont do that. But if I owed money theyd send me a letter. I asked to speak to a manager. Have not heard back. Synchrony received payment. I paid {$3700.00} and they will not acknowledge the debt was paid in full, no settlements the full cost of the debt is paid in full.

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone has opened a target credit card in my name using my social security number and charged XXXX $ on the credit card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Recently, I filed a dispute with Chex systems informing them that an account that has been reported to them under my name and social security number should be deleted from my report and from their database due to the fact that this debt was incurred prior to my Official Bankruptcy filing date which had occurred on XX/XX/2022. They responded with a letter stating that they refused to remove this negative account information from my report because the Financial Institution that had reported this information to them had reported this information to Chex systems AFTER the date of filing of my Bankruptcy. They are wrong about why they had justified to keep this negative and damaging account information in their database and to continue to report this information after I brought the issue to their attention. It is against the Federal Bankruptcy Laws to continue to report an owed balance and to keep this information on my credit report because it does not matter when the financial institution ends up getting around to sending their information over to Chex systems, but the date they should be concerned about is when the actually debt had been incurred and then if it was prior to the date of the bankruptcy being filed, they should remove this information from my report with them and update their database to reflect that this is the case. However, if the debt was incurred after the bankruptcy filing date with the Federal Courts, then by all means, keep reporting this information. This is not the case however, in my situation because the balance was incurred prior to the bankruptcy filing and thus should be removed at once and without failure because if they don't, they are now in violation of several bankruptcy and other federal laws that govern this particular issue. The FINANCIAL INSTITUTION that had reported this negative information to Chex Systems is : XXXX XXXX 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 2023-03-07 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX XXXX I received an email from XXXX ( XXXX ) indicating that I needed to move from an individual account to a brokerage account due to VG changing platforms and there was a fee to stay on the old one. 

I called and moved my account. 

I was told that I had to de-activate both my check writing and direct deposit ( DD ) but if I called back in a couple days after the transfer was finished processing they would re-activate both the DD and the check writing over the phone. 

I called back a few days later. I was told that instead of having XXXX re-activate my DD that I had to set it up again with my employer. I was also told how to go online to update the check writing and theyd update it on their end too. 

I was given the information for my direct deposit to provide to my employer ( XXXX ). ( It turns out it was the wrong information ). 

I re-set up my DD with my employer using the information provided by XXXX  and my next paycheck that was sent from XXXX had to be manually routed as a courtesy due to the incorrect DD information on it. Note : My paycheck gets sent from XXXX to XXXX XXXX ( XXXX ) to JP Morgan ( JPM ) to XXXX. 

I called XXXX again. I was then provided with the correct DD information and I worked with my employer to fix my DD information on their end. 

In the meantime, another paycheck ( my XX/XX/XXXX pay ) was sent with the wrong DD information. This one was then clawed back and resent via wire on XX/XX/XXXX. However, it still had the wrong DD information on it and is currently nowhere to be found. XXXX has the trace number for it being sent to JPM. 

XXXX has asked XXXX to claw it back from JPM again. 
JPM has not responded. 
I've spoken with numerous people at XXXX and they've confirmed with the Money Movement Team that they never received the money from JPM. 

Since I don't actually have an account with JPM they won't provide me with any information and said we should just ask XXXX to ask XXXX to send a service message to JPM to have the money returned. My company has done this and XXXX has not received any response from JPM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I sent a request for validation last XX/XX/2022 to the company pursuant 15 USC 1692g. They only sent me a bill as a response which can't be used as validation of the debt. I really want this resolved because it's already affecting my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I received a {$25.00} " Birthday Reward '' voucher from Capital One/ XXXX XXXX, good for {$25.00} off purchases made by XXXX XXXX, XXXX. 

I made two purchases totaling {$37.00} by XXXX XXXX, XXXX. 

I called Capital One for an hour in XX/XX/XXXX and was handed from one department to another, finally winding up in XXXX, XXXX. No resolution. I closed my account that day, effective immediately. 

On XXXX XXXX, XXXX, I wrote a dispute letter to Capital One ( a post office box in XXXX XXXX XXXX ). Through XX/XX/XXXX, I've received no response. 

On XXXX XXXX, XXXX, I scheduled a {$12.00} payment to Capital One for a XXXX XXXX, XXXX due date, representing {$37.00} minus the {$25.00} offer the two parties failed to honor. 

On XXXX XXXX, XXXX, Capital One charged me a {$29.00} " past due fee '' ( the {$12.00} payment on XXXX XXXX, XXXX did not meet Capital One 's minimum ) plus {$0.00} in interest. 

XXXX  ( XX/XX/XXXX ) I spent more than XXXX minutes being bounced from the XXXX to the XXXX by Capital One, before finally being sent to a XXXX help line, which wasn't helpful. It was apparent, the customer service representative just wanted to bounce me to another desk, not resolve the dispute. 

Not would anyone today even acknowledge receipt of my XXXX XXXX, XXXX letter of dispute. 

This was consumer misrepresentation. Capital One/XXXX XXXX sent an offer that they failed to honor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 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: MOHELA
State: TX

Complaint narrative:
I would like to file a complaint against Missouri Higher Education Loan Authority or MOHELA for not processing my application for Public Service loan forgiveness despite qualifying for the program and submitting the appropriate application ( s ). I have worked for a not-for-profit organization as a physician for over 10 years. I now qualify for federal loan forgiveness under the I have applied multiple times for the Public Service Loan Forgiveness ( PSLF ) program ( XXXX of the required XXXX payments ). Unfortunately, MOHELA has not been able to appropriately process my application ( s ). MOHELA has still not processed my application submitted XX/XX/XXXX, despite indicated this would take <90 days to process. I have contacted MOHELA on several occasions, but have not been able to make any progress. I was most recently in contacte with a MOHELA operator on XX/XX/XXXX and was provided with misinformation : the operator indicated that MOHELA does not accept digital signatures on the application. I pointed out to them that the Federal student aid website from the department of education indicates that : " How to Submit the PSLF Form A reminder about digital signatures : Digital signatures from you or your employer must be hand drawn ( from a signature pad, mouse, finger, or by taking a picture of a signature drawn on a piece of paper that you then scan and embed on the signature line of the PSLF form ) to be accepted. '' The signatures on the form meet this criteria. I am concerned about the length of time that it has taken to process my application, and that I technically qualify for loan forgiveness, but have encountered incompetence on the part of MOHELA staff resulting in their inability to process my application to clear my loan. I purposely chose to work for a not-for-profit for the past 10 years so that I could ultimately qualify for loan forgiveness under the PSLF program. I had the option of working for a private hospital group and making a much higher salary, but chose to pursue the PSLF route instead. Now that I have worked for a not-for-profit for XXXX years and qualify for loan forgiveness under the PSLF program, I find it demoralizing that MOHELA is not able to appropriately process my application in a reasonable amount of time, as per their duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief