vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding the inexplicable and ongoing security block on my bank card that began on XX/XX/year>. The bank 's lack of transparency and failure to resolve this issue has left me frustrated and unable to access my own funds. 

Complaint Details : Description of the Issue : On XX/XX/XXXX, I discovered that my bank card was blocked. Upon contacting customer service, I was told the block was due to inactivity and that verifying my identity would reactivate the card. Despite this, all my purchase attempts were declined. When I called again, another agent claimed the issue was due to " high security '' settings on my account, yet the card continued to decline transactions. 

My third call was even more infuriating. The agent could not specify the reason for the block, citing a vague " unknown security block '' that could last hours, days, or even months. This lack of specificity and resolution is unacceptable. As a result, I had to wire my money out of the account just to access it, incurring additional costs. 

Efforts to Resolve the Issue : I repeatedly called Capital One between XX/XX/XXXX and XXXX, XXXX seeking a resolution. After wiring money out, I requested reimbursement for the wire fee, but this was denied. Each agent I spoke to provided a different explanation, none of which resolved the issue, leaving me without access to my own funds. 

Conclusion : I am deeply dissatisfied with Capital One 's handling of this situation. The inability to access my own money, coupled with the poor customer service I received, is unacceptable. I trust that the Better Business Bureau and the Consumer Financial Protection Bureau will hold Capital One accountable and assist in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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. 

Delete the accounts below. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I notified Sams Club World elite Mastercard, issued by Synchrony bank, regarding a series of unrecognized XXXX XXXX charges on my credit card. The unrecognized charges occurred over multiple months and appeared to increase in debit amounts over time. Synchrony bank stated they would initiate an investigation and then reissued a new card. I was temporarily credited the disputed amount. Later I received a written letter stating that I would not be held responsible for the amount of the fraudulent charges which totaled almost {$1000.00}. After I received this letter, the new credit card statement depicted a generic transfer debit from the old account to the new one, for almost the same amount that was originally disputed. In addition there were multiple generically labeled transfers of duplicate fees that resembled the original fraudulent charges. When I called Synchrony Bank, their dispute department did not provide a satisfactory answer. The debit transfer amount from the old account to the new account appeared excessively high, considering I did not even have a new card to use during the transition period when a new card was being issued. The matter is still unclear and unresolved. The phone rep also said she did not understand fully where the charge on my new account originated.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXXXXXX informed me that they had contacted LVNV FUNDING and told them my payments were being paid I thank you for helping me remove the other XXXX, the second one is still being reported as passed due, LVNV told me XXXX XXXX XXXX did not contact them, I have monthly payment to XXXX XXXX and there's a statement on my report stating my payment are being paid but they still have have me in a negative status there's a statement on my report from XXXX telling the bureau to remove me from derogatory status, they didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: TX

Complaint narrative:
I had XXXX  at first and was {$24.00} monthly, I couldn't afford so I ask how to get loan forgiveness because was homeless and on XXXX. So the suggested I consolidate first, witch I did. 
After XXXX  serving send me an email stating that I qualify forgiveness Tru social security, but after Mohela send me later, saying that my request was pas due and that my monthly payment would start and is {$160.00}, so I call and try talking to one of the staff members. How I can do because I don't have those kinda of money am homeless and on XXXX. But she don't want to listen she insist I log back on and try finding options. So I did find to lower it to XXXX monthly but they stil sending me bills. I call XXXX and they say am not with XXXX  anymore so they can't help, but suggest I call Mohela again. But I told the lady is a waste of time. They either don't want to help are they just don't know how to do they work. So she said she sorry that's the best she could do by giving me Mohela number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
We have a monthly payment that doesn't quite get to them the exact moment they want their money due to pay weeks not lining up. Yet they get their money every month. We had an issue with them calling my wife atheist XXXX times a week, now that she told them it's harassment and it's illegal to call this frequently they started with me. Yesterday alone I received XXXX phone calls. I can email screenshot of all these phone calls. I'm being harassed. Westlake financial called me XXXX  times from different numbers on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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. 

XXXX U.S.C XXXX XXXX ( A ) ( a ) 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. 

Delete the accounts below. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT MY PERSONAL INFORMATION IS EXPOSED ON THE BLACK MARKET AS WELL AS A SECURITY BREACH. 

XXXX IS XXXX ACCOUNT OF XXXX OTHERS DISPUTED ON MY CREDIT FILE AND IS CONTINUOUSLY REAPPEARING ON MY CREDIT FILE. 

THIS ACCOUNT WAS REMOVED XX/XX/XXXX I RECEIVED THE RESULTS OF THE REMOVAL THEN ON XX/XX/XXXX I RECEIVED A NOTIFICATION THAT THIS ACCOUNT WAS CHARGED OFF AND THE ACCOUNT WAS CLOSED XX/XX/XXXX. THIS INFORMATION BEING REPORTED IS INACCURATE. THIS ACCOUNT IS NOT MINE

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b/Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- '' promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately.it is XXXX XXXXXXXX account which is XXXX XXXX XXXX, it is the hard inquiries from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX 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 2024-08-03 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:
NAME INCORRECT XXXX XXXX XXXX ADDRESSES INCORRECT XXXX XXXX XXXX XXXX  XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX EMPLOYEE INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES : unauthorized inquiry XXXX XXXX XXXX date of inquiry : XX/XX/year> unauthorized inquiry XXXX XXXX XXXX date of inquiry : XX/XX/year> unauthorized inquiry XXXX XXXX 
date of inquiry : XX/XX/year> CHARGE OF OFF THIS ACCOUNT NEEDS TO BE VALIDATED XXXX XXXX  ACCOUNT NUMBER:XXXX  XXXX  ACCOUNT XXXX JPMCB CARD ACCOUNT XXXX XXXX  XXXX ACCOUNT NUMBER:XXXX  XXXX XXXX ACCOUNT NUMBER: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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX, Trans Union and XXXX are reporting inaccurate personal information appearing on my credit report. This is causing great harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.

Complaint narrative:
Mid XX/XX/year> my mother and father in law who are based in XXXX were in a car crash and my husband who is based in XXXX XXXX travelled back home. When he informed me about the situation my parents in law were in I needed to send money and the we usually use Worldremit to send money home. I sent money to his Zambian number that I dont use often and I made a mistake with XXXX digit. The number I mistakenly sent to is XXXX XXXX XXXX. I sent XXXX XXXX which was meant to be ZMW XXXX, XXXX when being withdrawn in XXXX. The transfer number XXXX. 

Within a minute I saw this mistake I tried to recall the transaction as this app has that feature. Nothing happened it just kept on showing processing and there was no feedback. I called their call centre I was told that they are off line I must try in an hour. 

I called again in an hour I was told that they will engage their local partner which is XXXX at this case. I made follow ups I was told that this process takes time. Every second or third day I would make follow up and would be told the same thing. In fact now they got irritated that in future I must make sure that the number is correct. This happened on XXXX XX/XX/year> and I was told on XXXX XX/XX/year> that the money was withdrawn and they cant reverse it. I asked if they cant make this persons account have a negative balance so that should he get money to this mobile number it is automatically reversed up until all my money is paid up. I was told that is not possible. I asked for the email address of their local partner so that I can try to persue this on my own as worldremit is not interested in helping me recover my money and I was told they cant do that either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint narrative:
In XXXX of 2023 I was checking my credit score and it took a hit of about XXXX points. I pulled my credit report and XXXX showed XXXX had a delinquency of {$100.00}. It was from a XXXX account that I do not have, and it was turned over to a collections company ( Jefferson Capital LLC ). 

I immediately reported it as fraud to XXXX and XXXX. Within a few days my XXXX credit score was restored and the charge was removed from my credit history. To this day XXXX is still saying the debt belongs to me, but will not provide me with any details such as account number, when/where the account was opened. 

Several months ago I contacted Jefferson Capital through their website and have yet to receive a response. 

This fraudulent account was opened while I was not in the United States, I was stationed in XXXX with the XXXX XXXX. 

Also, Jefferson Capital LLC has never called me, emailed me, or mailed me. XXXX has never called me or contacted me via email or post. Obviously this means my phone number ( which is not even a US number ), address ( Which is not in the US ) and email address were not used in opening this account.

Company response to consumer: Closed with explanation