vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After looking through my credit report I saw some hard inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
The {$50.00} gift card I got for XXXX is not usable. It is from a company called vanilla.gifts.com ( Visa ) and I did some research on it and it is a very bad company scamming people. I tried to use the card over the weekend and it was invalid. I checked the card and 4 numbers on the card are missing and the code had been scratched off but the packaging wasn't tampered with. I have tried calling them and I can't get anyone to answer. All of the reviews I read about XXXX are all telling the same story I am facing. The card is missing numbers, it's not valid and you can't get it fixed through the company. The website does not give you an option to file a complaint. I spent 4 hours on the hold and no one would answer. Doing some investigative research- I found out that I'm one of MANY MANY MANY people who are experiencing this issue. I'm a XXXX  mom and I really needed that money and now I'm not going to get another XXXX through the fraudulent company, the person that gave it to me is out {$50.00} and I didn't get a XXXX present that I can use. Buyer beware!!!!! This is a really bad company XXXX  off consumers and there doesn't seem to be any way to fix it. 

Click this link to see all the reviews of this company and all saying the same thing. How has nothing been done?!!!!!! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I did not authorize for my information to be sold to collection companies according too 15 U.S. Code 1681n Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; This is about the inaccuracy that is inqeuitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2024. Due to this Inaccuracy, my right to extend credit had been damaged to a great extent. As a result I was discriminated against and refused the following. 

I was denied a XXXX XXXX with XXXX XXXX. 

According to 15 USC 1681 ( a ) ( 3 #, Consumer reporting agencies have assumed a vital role in Assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent To this report being furnished by you on my behalf and I am also aware Of the fact that your organization assumed a vital role. As a result, My livelihood Has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. 
There, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also provide us with the details of the systems adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result I hereby demand to do the following. 

Give me the credit that's my right. 

Thank you for your cooperation. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MS

Complaint narrative:
XXXX XXXX  was opened in XX/XX/XXXX and closed around XXXX XXXX  This account has been paid in full but it is still being reported to my credit. This account should have been deleted from my credit profile. 



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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I sent a dispute letter to Equifax Information services as a formal written complaint for reporting inaccurate and incomplete credit information. 

the fair credit act states that I should have a resolution within 30 days of filing a formal complaint. 

It has been over 30 days and Equifax has not been able to verify information, or provide me with any feedback about the formal complaint. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Reached agreement with company to remove late payment history XXXX  XXXX XXXX  Account XXXX : XXXX Please remove late payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one auto finance has Violated My rights!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> To Whom It May Concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from credit reports effectively immediately. I attach proof the Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection on behalf of XXXX XXXX has placed erroneous information on my credit report and has yet to show validity with accuracy of said debt. The policy was cancelled and XXXX XXXX still attempted to collect an insurance payment, thereby engaging in a commission of fraud. Credit Collection wont listen to reason and is accessory to the commission of fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I consolidated my federal student loans with Dept of Aidvantage. During the application process in the student loan portal it stated that my monthly payment would be {$84.00}! 

Once I received the final loan agreements, which were very confusing to read, the monthly payments were never presented accept one copy that was estimate of {$900.00}. I called customer service and they stated it the {$900.00} payment was inaccurate and that the {$84.00} payment shown to set me while setting up the consolidation was just an estimate and that my new monthly payments should be around {$140.00}. 

The online application on studentaid.gov NEVER stated those were estimated monthly payments. I was under the impression that this would be my monthly student loan payment! 

After performing a credit update this new consolidated student loan is currently reporting a HIGHER monthly payment in the amount of {$770.00}! I am so frustrated at this point. This inaccurate reporting has impacted my debt to income ratio tremendously. I did not agree to this monthly payment. This payment was not stated in any of the loan documents sent by the servicer. I thought the SAVE plan was put in place to be affordable?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CO

Complaint narrative:
I paid XXXX payments of {$340.00} on time over 2 and a half months and my balance went up! also, when I signed up for the loan, the APR was just over 200 % and they raised APR to over 700 %!

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: IL

Complaint narrative:
Bmg money if reporting an account as delinquent even thought its been paid in full. Please DELETE account. Do not update. I have the promissory note stamped paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Formal Notice of Violations and Request for Remediation Dear SYNCBXXXX I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how SYNCBXXXX has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191. 
Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on SYNCB/HARBOR provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.

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 2024-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts 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 2024-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MO

Complaint narrative:
I purchased a PayPal card and put {$80.00} on it and went to activate it and I was prompt to call the number on the card whenever the company opened up at XXXX XXXX in the morning. So I did and they said there was an issue with my card that it was blocked. I was given the run run around and denied to be transfered to supervisor ; I waiting 20 minutes only to be disconnected from the first phone call ; then an hour the second one; finally I had a representative get on from the fraud department and she was extremely rude. Would not explain anything in detail and would not even listening to anything that I had to say. She just told me that although I had bought a PayPal card, It was XXXX XXXX  that I was transferred to and I had an account from the past and so therefore, for some reason unknown, she wouldn't tell me, I was being blocked altogether from my card that I just purchased. There was no way that they could refund me money right then and there. I explained to her. I was in the ice storm and on the side of the road until I got gas. And she didn't care. She was just extremely rude and said that I was no longer ever allowed to have a XXXX  account again. And then she just hung up on me. And so I called back again for the third time and finally talk to the PayPal people, and they couldn't figure anything out. They put me on hold and nobody ever got back on the phone again. I'm trying to get this resolved they're refusing to give me any information that is attached to this, any documented entries on the account. Everybody 's been very rude and very wishy-washy and saying one thing, and then just leaving me on hold forever. I really need my {$80.00} back from the PayPal card. Also, although the lady couldn't stress enough that I was no longer ever allowed to have a XXXX XXXX account, they still decided to use my information and go ahead and send me emails stating that I qualify for a XXXX  account. So now I'm just having junk email come in that I can benefit from.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
On or around XX/XX/XXXX I opened a checking account online with US Bank. I was asked to deposit {$25.00} and a Debit Card/PIN would be mailed out to me. I received my card and pin and went online to add Direct Deposit through XXXX. I went through the process on USBank.com and XXXX app to ensure all was correct. On Friday XXXX XXXX XXXX XXXX XXXX XXXX I noticed my paycheck was not available nor was it pending. I immediately XXXX XXXX XXXX  sent a message out to a Customer Service banker online and was advised that funds were indeed pending and that I would see them by the end of the day. Saturday XXXX came and no deposit was made, so I started to call the XXXX number to inquire about it. I was disconnected multiple times and told that notes in the account were not visible to the dept i had reached. After 2 hours of trying, I decided to call a branch and they advised that my account was on hold pending address verification. So not only was my check not coming, but it was also sent back to my employer, and it would reflect in about 10days. I let them know that I was told the previous day that it would be available and that if i would have known on a Friday I could have made arrangements for my withdrawals to be delayed but now as it was a wknd this was no longer an option. The Teller took my information and said she would put a request in to call me " first thing '' Monday XXXX  to the Branch Manager. It is now XXXX on Monday and i have received nothing... i reached out the Customer service and apparently my account has had a hold since Day 1 yet I have no Email/Mail/Text absolutely nothing indicating this. I have spoken to 2 reps since Day 1 and this was never mentioned... .in fact my first bank statement is available, and this too shows nothing.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX account reporting information that's illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
FRAUDULENT UNIDENTIFIED COLLECTION ACCOUNTS ARE ON MY EXPERIAN ACCOUNTS. 

THESE 3 COLLECTION ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED. 

XXXX ) XXXX XXXX XXXX XXXX ) 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 2024-01-22 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: NC

Complaint narrative:
I was a victim of identity theft. The person was caught and idicted ; however, I need these inquiried removed. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation