vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is inaccurate information in my consumer report that misrepresents my credit report. This report is incomplete and therefore inaccurate and hurting my ability to get 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 2024-03-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A year ago, my student loans were transferred from XXXX to XXXX. My credit report now shows 4 loans instead of 2, and a loan balance that's twice as much as it should be. I've called XXXX and XXXX multiple times each, spending hours on hold only to be told by both that it's the other servicers problem. I disputed the erroneous account/balance directly with the credit bureaus, but they changed nothing, and referred me back to the servicer. I asked XXXX if they could send me a document saying that my account with them was closed so that I could prove to the credit bureaus with another dispute that the account and balance with XXXX is false- they said no, that they can only issue documents that are approved by the Department of Education XXXX I spoke to XXXX ( again ) the same day and was told that only XXXX can fix this.

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 2024-03-01 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: FL

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

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 2024-03-01 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX one of my checking accounts with USAA Bank ( XXXX XXXX, TX ) was closed without my knowledge or permission due to me filing for XXXX  XXXX Bankruptcy. I had an amount of {$2300.00} in the checking account that was closed. Instead of the money being transferred into one of the 2 other active checking accounts that they didnt close they told me a check would be issued that would be mailed through XXXX without signature confirmation. I asked for information regarding the tracking number the two times it was allegedly sent out and was told I could not be provided this information. When the check was first shipped out, it was declared undeliverable and the check was destroyed. I was not notified of this, I had to call after waiting for XXXX weeks and not receiving the check to get this information. The second time it was issued, it was issued for the wrong amount and never shipped out. Now I am going on the 3rd time for it to be processed and apparently a document now has to be signed for me to receive a new check. I was not made aware of this. I call at least a dozen times to get a tracking number and ensure that the check is being sent out over the course of XXXX weeks to just be told call back on this day with no resolution to my problem and no mention of said document until today. There is no set turn around time for when this document will be processed so that a check can be processed and then sent out to me. I have no savings and this has greatly affected my quality of life as I am now a month behind on my mortgage payments while active in a XXXX  XXXX bankruptcy, which prohibits me from being late on my mortgage. So not only are they affecting my quality of life and withholding money from me. They are now interfering with my active bankruptcy case by withholding my funds from me which prevents me from paying my mortgage on time, which is illegal and I can seek legal action beyond this because of that. I need this money recovered asap so I can get back on track with my mortgage payments and simply because it belongs to me and XXXX XXXX is making it extremely difficult for me to recover my funds they took from me. This is unprofessional and violation to me as a consumer and an unfair business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I purchased a {$100.00} Vanilla gift card from Incomm Financial Services Inc. the card was properly activated, the funds are showing available but the money is locked up and the card has been declined everywhere, both physical and online stores. Ive contacted the company and they emailed me the card will work. I tried multiple stores and its still being declined. They LIED! They think I will give up so they can keep my money but I will not give up. There are XXXX, XXXX and XXXX groups FILLED with people who have been scammed by this company. There are multiple class action lawsuites against this company. I want my money back now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My card has been stolen and purchased ticket on XX/XX/2023 two times amount are {$940.00} for both tickets and I called for dispute on time but two transactions re-bill to my account means I have to pay for those two transactions I didnt made. I called the bank they told me they have documents showing that the tickets under my name and used they give me the case number and phone number to call XXXX, I called XXXX and they cant find any information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/XXXX I contacted Mohela about why my application for the IDR/save plan had been " processing '' since XX/XX/XXXX. When I did not receive a response I called in and was eventually told it could not be processed because I had paid ahead and they were working on correcting the problem. When I saw on XX/XX/XXXX that I was being billed a monthly fee, and that my application was still " processing '' I contacted Mohela to make sure this would not continue to post-pone the processing of my IDR/save plan application. The only response I received 20 days later was that more information was needed, but did not say what information was needed to answer this question/concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ive called in and orginally wanted to get clarification on which accounts were delinquent. The agent advised me all the accounts listed below were reporting with a 60 day delinquency status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX possibly financial and self financial. 

I told her I was taken back by tbat causd nowhere do I see anything that indicates such. She told me I would have to call in like Im doing to get such information. I asked for proof so I could work with the lenders themselves on correcting such. She advised me she couldnt provide such. 

Its very difficult to understand the reporting on this TransUnion report. Exact same accounts report neatky identical on other reports yet they do not report under delinquent account considering they have a zero balance on them. Yet after multiple attempts to correct such today TransUnion reports state I have delinquent accounts. 

I also have great concerns over the way XXXX XXXX XXXXi account is reported. You notice you are the only one reporting this account. The months listed under the payment history that only show x you cant provide what that is reported as yet its still reflects a deliberate status under those months. 

Theres reporting under this report that I have 2 accounts with 60 day late payment status on them yet nobody can explain what other accounts other than XXXX XXXX  has a 60 day mark on it.

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 2024-03-01 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: OH

Complaint narrative:
These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX XXXX {$1600.00} Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To whom it may concern, I am writing you in regards to my checking, savings, and cds accounts Ive had with TD bank with over {$8000.00} dollars in funds. Unfortunately, I was and continue to deal with being a victim of identity theft, hacking, fraud, spoofing, and phishing. Ive had to contact the 3 credit bureaus in order to stop them for furthering deteriorating my credit score as a result of all these issues. Ive gone personally into a local branch, to be more specific. it was the TD North XXXX XXXX in New Jersey. Ive met with XXXX XXXX XXXX, and although she was able to assist me with this issue and froze my accounts to prevent further damage and a continuation of accessing my funds through their online or debit card atm withdrawals or XXXX  transactions. They even contacted the branch pretending they were me in order to access the full credit I was given in the beginning of my claim and XXXX XXXX forwarded that information to the Fraud Department. It is very upsetting that she had informed me from the very beginning that she would keep me in the loop with any updates on my claim and accounts. As a result of my childs custody war, I depended on her to reach out to give me an update on my ccount and when will my funds be back in my accounts again. She did not inform me that there was a credit issue or that the people committing the fraud had overdrafted my accounts with over {$1000.00} dollars by changing the status of my accounts overdraft fees agreement between myself and TD bank. It was thanks to XXXX which I also bank with that I became aware that someone was accessing my accounts through a different phone number and phone. Ive spoken to Managers in Fraud and Recovery and they keep continue to give me the run around and blaming each department for the responsability of my bank accounts and as a result of this issue my accounts were sent to recovery without notifying me that once this issue was sent to that department, I would be unable to resubmit my claim unless I bring my accounts back to positive even though I wasnt the one who put them in that state to begin with. Ive tried to escalate this to a higher level in the bank and I keep getting empty promises from the main branch in XXXX that they are going to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I gave my money to a person at on XXXX through Paypal. They kept charging for the most smallest things like XXXX dollars for a sword on an ALREADY XXXX dollar XXXX XXXX character. I had XXXX dollars already. I got widdled down to XXXX. Now Paypal won't refund me because he wanted it to go through " Friends and Family '' so I idiotically did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-03-01 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: GA

Complaint narrative:
Hello CFPB im Making My Complaint Today Against XXXX XXXX XXXX They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because This Company Is Not Licensed & Bonded In The State Of Georgia To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have Trauma This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence.

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you XXXX XXXX XXXX  that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
goldman sachs has continuously denied my application without providing sufficient reason why application is denied. My application was denied countless times - apple and goldman sachs do not help or provide any information. 
info given to me is : We are unable to verify your identification information they also says to Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your ID with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired I have complied with all requirements. All information is correct. 
Please review and help opening my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: OH

Complaint narrative:
These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief