vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX Closed XX/XX/2022 Shows up unpaid

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I do not know who is CCS. I contacted XXXX and requested how I own money and under which contract that is based. XXXX never provided a signed contract. I am under the FCC Affordable Connectivity Program. XXXX has a contract with the FCC. If the FCC stops paying the service ends. I have no liability under this Gav. program. Service started on XX/XX/2023, and ended on XXXX XXXX XXXX by FCC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I traded in a laptop to Apple for {$650.00} - ie, Apple paid me {$650.00} for a laptop. They processed this payment on my Apple Card, which also subtracted {$19.00} in Apple Cash when I was paid for the Trade-in. 

The {$19.00} in Apple Cash should not have been subtracted. I'm owed {$19.00} in Apple cash. 

I initiated a support request. XXXX from Apple Card could not fix the problem, and filed an inquiry with Apple Card on my behalf. 

ALL CUSTOMERS WHO EVER TRADED IN A DEVICE TO APPLE, USING THEIR APPLE CARD ARE OWED APPLE CASH.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 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: OH

Complaint narrative:
Reporting agencies are reporting a charge off on my report. Which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Also I the consumer never authorized any credit reporting agencies to report on this consumer report, which is a violation of The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies.

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 2024-01-26 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: GA

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-26 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 accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX Acct # 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 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item ( s ) 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I closed my acct with BofA dueto long wait times on phone. I have a credit bal of {$7.00} and have spent 2 hours on the phone tring to get them to send me the money i overpaid. 
They have promised then didn't deliver. Now every time i call they insist on a long list of identifiers then promise again but it never comes. In my opinion when you close your acct they should automatically mail out any credit bal on that acct, not make you beg and then still not give you your money.

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 monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
I told them I had never spoken to them about a loan nor had I ever gotten any mail from them or emails concerning a loan. 
When I found out about this I was paying off my son 's debts with insurance money and hoped that he would have money in his bank account ( which was frozen for 60 days due to no will ) .Also he had recently opened a restaurant and I assumed he had used loan money to do so.I thought I could get money back from it, which I couldn't. Trying to do the right thing, I said I would pay a few times until I found out.When I couldn't get money from the restaurant and he had none at the bank, I said stop future payments. They said because I paid the 2 payments it was considered my loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 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: MD

Complaint narrative:
I noticed that I had hard inquiries that do not belong to me reporting on my credit profile

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 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Kindly see the attached documents. I want the bureau to start an investigation into these accounts, as they falsely indicate late payments, which is not the case.

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 2024-01-26 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: NY

Complaint narrative:
NAME : XXXX XXXX XXXX : XXXX S.S : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX HAVE THIS INFORMATION UPDATED TRANSUNION XXXX XXXX XXXX XXXX THANK YOU I SHOULD HAVE : 1 ADDRESS 1 NAME

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 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an account with Synchrony XXXX and they ran my credit and I was approved for {$5100.00} dollars. I never used the account nor have I EVER activated my card from Synchrony Bank. 

On XX/XX/2024 I received a letter from Synchrony XXXX saying that they are closing my account and their decision was based in part on a scoring system that was used to predict your creditworthiness? 
The reasons are : Balances on Bank Cards are too high compared with credit limits Too Many Revolving Accounts with High Balance Compared to Credit Limit Not Enough Balance Paid Down Over Time On Real Estate Secured Loans Too Few Installment Accounts Recently Paid As Agreed NEVER EVEN USED MY CREDIT CARD FROM THEM. 
IN ORDER TO OPEN AN ACCOUNT WITH Synchrony XXXX THEY RAN MY CREDIT AND MY SCORE DECREASED WITH THEM AND THE INQUIRY STAYED ON MY CREDIT ACCOUNT FOR 2 YEARS? 

I fill like they are trying to RUIN my credit. 
My major credit cards have not decreased my credit limits or closed my cards and Synchrony XXXX CREDIT are just a store credit card? 
What justifies them to be able to close my 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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.

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 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Tried paying notes on vehicle around XXXX XXXX but website was down and no responses back from company. Car was cutoff from a switch and then I here company went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MD

Complaint narrative:
RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across two major credit bureaus - TransUnion and XXXX. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. TransUnion 's report shows an open date of XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, 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 2024-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I received notification on XX/XX/XXXX that my loans were forgiven effective XX/XX/XXXX. I had {$9100.00} of overpayment due back to me. 

That meant that I had only a couple of small loans left and after using the forgiveness amount due back to me, on XX/XX/XXXX it was calculated that I was owed {$3800.00}. 

Since then, I have been unable to get any money back from MOHELA and they can continued to automatically collect hundreds of dollars of payment from my account. In addition, they have mysteriously applied the payments so that the amount they claim is due back to me is getting smaller and smaller. 

I have called multiple times, sent multiple emails but have made no progress and no one has been able to provide any explanation or fix this issue. I still have received no refund. Please assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Self Financial Inc.
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <XXXX XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXXXXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXXXXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Kikoff Inc.
State: NY

Complaint narrative:
These companies broke the law and violated XXXX XXXX XXXX ( a ) ( XXXX ) & XXXX XXXX XXXX ( XXXX ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX  XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a XXXX  Vanilla gift card on XX/XX/XXXX in XXXX, Tx. The value of the gift card was {$100.00}. I gave it to a friend who lives in XXXX, Texas as a XXXX present. She tried to use it today, XX/XX/XXXX, for the first time. She removed it from its packaging today. The gift card was rejected because it has a XXXX balance. XXXX 's website showed a {$100.00} charge was made on XX/XX/XXXX in California at a XXXX. Neither I nor my friend are responsible for that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
In accordance with the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 and it also states consumer recording agency can not furnish account without my written instructions Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2024-01-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Still working on this complaint is a lie lie lie lie lie lie lie lie lie and a stall tactic

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue 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 2024-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I stared getting alerts that someone pulled my credit for capital one ( Hard inquiry ). I looked into all my account at started emailing me, so I called capital one and told them whats going on. They advised me to call XXXX XXXX, and XXXX  XXXX said that they would mail me some paperwork, and that I need to contact yall to let you know whats going on, and go from there. I did not acquire about a new card, and I will not be applying for one right now I have enough, and I was trying to get my hard inquires down. My credit was at like the XXXX range, but it had dropped since the purchase of a card and the inquires. What do I need to do next

Company response to consumer: Closed with non-monetary relief