vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: PA

Complaint narrative:
I am a victim of identity theft and I submitted FTC reports and all Identity verification and the credit bureaus failed to fix/delete items on my credit report. Credit bureaus keep sending stall letters to not remove accounts that are in fact not mine. 

Please remove XXXX XXXX XXXX Account number XXXX and 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 explanation
Consumer complaint received 2023-10-04 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: AE

Complaint narrative:
A solar-power company " XXXX XXXXXXXX XXXX '' offered me solar panels for my home in XXXX of XXXX. They informed me that if I agreed to secure a loan with a third party, ( XXXX XXXX  ), they would create a design plan, provide a final cost estimate and allow me to decide if I wanted to proceed with the purchase. I was sent an e-mail that assured me that I would have the right to cancel beyone their usual 3 day cancellation policy. The company never completed the design plan and did not return my phone calls until after I cancelled the third-party loan, several months later. XXXX XXXXXXXX XXXX and XXXX XXXX then initiated the process to collect a debt from me despite never performing any work. I never received any product from this company - no work was completed. Eventually, I received debt collection notices from Southwest Recovery Service- for approximately one year now. Despite explaining my situation to this debt collection agency, they have not taken the proper actions to rectify the situation, resulting in a significant negative impact on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one the company with which I have been a customer for over 15 years sent me an offer to get their savor one credit card with an initial spending bonus offer clearly stated ( spend {$3000.00} in the first 90 days, get {$300.00} cash back ). I signed up and received the card, but they have now reneged on the offer, stating they counter offered before issuing card. Obviously they are not entitled to counter offer themselves nor should they be allowed to engage in bait and switch tactics. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
I received notification from my student loan servicer, Mohela that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XX/XX/. I contacted XXXX and learned that Mohela reported on XX/XX/XXXX  that I have a balance of {$82000.00}. 

I called Mohela and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to zero. I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. Mohela is in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: MI

Complaint narrative:
Grain has XXXX of reviews everyone is having the same issues. A few months ago they dropped my credit score from giving me late payments on my report even when I paid them. And then they did start taking payments because I was always set up for auto payment. I just received a message saying tomorrow my account will be late 30 days for some reason they have not taken a payment and decided to send a notice 1 day before trying to lower my credit again. I make good money have at least XXXX in this account so its not from lack of funds. They sent a link I clicked the link and got an error message and I havent been able to log into my account for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The debt collection company purchased a previously charged off account from XXXX XXXX XXXX XXXX. The company LVNV Funding LLC XXXX XXXX MI, served me with court papers on XX/XX/2023, in attempt to collect the debt of approximately {$14000.00} and or garnish my wages. I filled an answer in the Magistrate Court of XXXX XXXX State of Georgia contesting the debt. Trail is set for XXXX XXXX. I never had a delinquent or charged off credit card account from XXXX. I currently have an active credit card account with XXXX that is in good standings. I have never had a late payment or overcharge the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: MI

Complaint narrative:
Aidvantage is showing that a parent PLUS loan was taken out for a specified university and distributed on XX/XX/2015, however, a parent PLUS loan was never executed for said university. This information that Aidvantage is providing is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports XXXX, Equifax, XXXX, and XXXX. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports XXXX, XXXX, XXXX, and Experian. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-04 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: NY

Complaint narrative:
My social security number is XXXX on my experian credit report theirs are threehard credit inquiries XXXX XXXX XXXX  and XXXX all hard credit report inquiries are fraud please have experian remove the three hard inquiries I have a federal trade commission identity theft report on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: Incomm Holdings Inc.
State: MD

Complaint narrative:
I purchased a Vanilla Gift card in the amount of {$130.00} at XXXX several days ago. The card was packaged perfectly with no sign of outward damage. When opened the card is missing the last 4 digits of the card number and the CVV on the back. They appear to have been scratched off. This looks intentional and not like a printing defect. 

When I contacted Vanilla they asked for the card serial number and confirmed it was for {$130.00}. I also have copies of both the purchase receipt and the activation receipt. The combination of the card and both receipts should be sufficient proof that I am legitimate. In order to do anything they then said they require proof of address ( a bill or something I assume ) and a copy of my drivers license before they will help with anything. The people answering the phone hardly speak English so it is very difficult to determine what they are asking for and the whole process has a very uncomfortable feeing to it. I asked to speak to someone in the United States to which the person continued to repeat " I work for the United States ''. It took me at least 4 times to get the person to admit they were not in the US. They then put me on hold and never picked me back up. 

This is my 4th attempt to get this rectified with the same basic results each time. After doing some research it appears that this is a common thing with this company and similar complaints are extremely easy to find.

It is a very unsafe practice to give out copies of personal information like they are asking for and its is even more unsafe to give it to someone outside of the country. The way this company treats customers is a scam to get people to give up on trying to get what they paid for in the hopes of keeping the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was totaled that same day I reported the accident to XXXX, by XX/XX/XXXX it was considered a total loss. The agent that handled my case spoke with a XXXX representative at XXXX on XX/XX/XXXX and was given a total pay off amount of XXXX ( I learned this information from XXXX this year ). I never received a call from American Honda Finance in XXXX or any paperwork so I assumed that the car was paid off. It was not until XX/XX/XXXX I begin receiving calls from American Honda Finance that I have a past due balance on the account. I waited on the line to speak with a representative on XX/XX/XXXX in that call I learned that Honda Finance processed the payment check of {$12000.00} from XXXX as a customer payment. American Honda Finance stated that it was XXXX fault and that I had to contact XXXX to process the claim properly. I requested for my call to be escalated to a supervisor and I was given a reference number to wait for a call back. I never received a call from any supervisor. I called progressive that same day and I was transferred to the XXXX California location where I left a message and an email. 
XX/XX/XXXX I received another call about my past due amount from American Honda Finance and answered, I explained my issue again and was told the same thing. I contacted XXXX and the representative supported me with details on the claim and stated that American Honda Finance cashed the check from them on XX/XX/XXXX. The representative offered to call American Honda with me and I agreed. We both received a run around and another reference number to wait for a supervisor call back. I received a call back from Honda Finance but it was not a supervisor it was a representative that was trying to help me the best she could. I asked for a pause to be placed on my account as it is affecting my credit I was told I had to make a payment for that to happen. I finally spoke with a customer service representative who stated that I needed to call Progressive back and ask them to call Honda Finance even though XXXX sent an email to myself and American Honda on the same day showing the total loss details. I contacted XXXX and the representative was not successful with making contact with American Honda Finance. 
This cycle continued again on XX/XX/XXXX and XXXX was not successful with making contact with American Honda Finance. Then on XX/XX/XXXX and XX/XX/XXXX I reached out to GAP insurance for support and unfortunately they can not do anything except cancel my contract and refund me. 
I tried to speak with American Honda Finance again today on XX/XX/XXXX and again they will not pause the account and they will not consider my vehicle a total loss, the representative only told me to cancel GAP and my extended warranty to get a refund but now my credit has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was informed when I called last week XX/XX/23 that I had a non promotional balance of {$1800.00} that i was totally unaware of as it does not show on any stmt. Recently for the past year or more my purchases have been with a 6 month no interest promotional plan. I assumed that some of my payment would be applied to oldest balance first to avoid addl interest but i was told i need to call them each month to let them know to apply payment if i wanted it applied to non promotional balance. Since i was unaware of this balance i can not tell them to apply it. I presumed my previous charges before promotion charges were already paid off since nowhere on stmt does it show this balance. So I would be paying till doomsday & never have this balance paid, because it keeps on growing with more interest applied each month. The balance may have started at {$20.00}, & it has grown to {$1800.00}. I have no way of knowing. I believe this is an unfair practice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I do not owe this. I never had a utility bill at any address

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