vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In XXXXXXXX XXXX  XXXX my husband and I entered into a debt management plan with XXXX XXXX XXXX. One of the accounts included in the plan was Capital One Credit Card Acct ending in XXXX. In XX/XX/XXXX we received a program payment acceptance letter from Capital One, dated XX/XX/XXXX, lowering our monthly payment to {$75.00} due the XXXX of every month. The letter stated, " You will know the terms of the program have been applied to your account when the APR of 9.9 % is reflected in the Interest ChargXXXX Calculation section of your monthly statement. '' Capital One is reporting that our XX/XX/XXXX payment as 30 days past due. I have disputed this information with Capital One on two separate occasions and have disputed the error to all three credit reporting bureaus twice and Capital One continues to report the inaccurate information which is now impacting our ability to obtain a mortgage loan. 

I have attached the following : 1. The Payment Proposal Acceptance letter from Capital One XXXX. Our XXXX Credit Card statement showing the agreed upon 9.9 % APR but an inaccurate minimum payment amount of {$100.00}. ( Payment due according to agreement was {$75.00} when 9.9 % APR was shown ) 3. Our XXXX Credit Card Statement showing our XX/XX/XXXX payment received on XX/XX/XXXX for {$75.00} Our XX/XX/XXXX payment was made 4 days after the XX/XX/XXXX due date ( not XXXX ) and in-full based on the agreement they entered into with us XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: IN

Complaint narrative:
This account was charged off on XXXX Since than, the account has repeatedly been updated as a charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : westlake portfolio m XXXX : westlake portfolio m XXXX : westlake portfolio m 15 USC 1666B

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 2024-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I was rear ended by a gentleman in XXXX Georgia. His insurance company and mine cited him as at fault. The claim number is available with XXXX. After visiting the XXXX XXXX in XXXX XXXX XXXX, I was ensured that the bills would all be covered by XXXX. As of XX/XX/XXXX the check from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was CLEARED. Unbeknownst to me, several months later, the XXXX XXXX XXXX XXXX XXXX had sent that same bill for the amount of {$800.00} to collections. It has shown up on my credit score three times now. Each time I have resubmitted the documentation stating such, and it was removed. Now, however, Wakefield Associates, who has been very understanding and helpful this far, reported this bill yet again. They produced a letter to the credit bureaus ( XXXX, XXXX, and XXXX ) and I still have the receipt from XXXX showing the paid in full amount of {$800.00} on XX/XX/XXXX, but XXXX did not reverse this debt when I disputed it this time. I am concerned that XXXX XXXX XXXXXXXX XXXX XXXX is continuing to harass me and affect my credit score, as well as having never sent me a bill, and have not provided me with any contact information so that I may send them the receipt from XXXX. They come across as a medical scam agency. There is no contact information online that leads to anyone at XXXX XXXX XXXX XXXX XXXX Wakefield and Associates does not have that information, and XXXX XXXX XXXX, where I received care after the accident, does not have any contact information for this supposed billing or representation group for the doctor I supposedly saw after the accident. Im 100 % not liable for this {$800.00} bill, and it is causing me undue hardship, as I am trying to increase my credit score and I am tired of getting new collections bills from a different agency every time this company isnt able to collect. I have documents for every part of this complaint and can fully prove that I am not liable, yet XXXX XXXXXXXX XXXX XXXX XXXX remains unreachable for me to even attempt to have that company remove this debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: 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.

and 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 2024-04-26 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: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft, while I was serving in the military and working as a XXXX XXXX There are 2 items on my I did not authorize and I am having a major issue with Equifax resolving the problem. I reached out to XXXX XXXX and XXXX XXXX XXXX and was informed by them that these accounts were fraudulent. I was provided with documentation that they were a result as fraud and was removed from their records. I am enclosing it into my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: HoldCo LLC
State: CO

Complaint narrative:
Bitcoin Depot is a service provider that allows cryptocurrency to be sent using cash at on of their bitcoin ATMs. On XX/XX/2024 I sent {$210.00} to a virtual wallet. The first incident is the fees are not properly disclosed at any part of the process and you dont know what they are until the currency arrives at the wallet. They charged me {$56.00} to send {$210.00}. That was taken out of the {$210.00}. I would not have used the device if I had known that. They also have a posted promotion and I also received this promotion through email as well saying if I sent a certain amount I would receive {$15.00} in free bitcoin. I redeemed the promotion which clearly says the bitcoin would be in my wallet within 48 hours. 8 days have gone by and they ignore me half the time and tell me it will be 10 business days before the bitcoin arrives. That isnt what the promotion says and I brought this up to them. I do not believe they have intention of actually fulfilling this promotion. If its something they are already offering than it should be an easy resolution. So far its had to be escalated to a manager and reviewed for this or that. Clearly they are not sending {$15.00} of free bitcoin anywhere to anyone. Its a deceptive promotion and false advertising in order to get customers to use their ATMs. They still have not been able to resolve this issue. Nor have I received the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the XXXX XXXX  XXXX account XXXX i am asking you to verify as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MD

Complaint narrative:
I had four XXXX XXXX loans that I took out for my sons XXXX XXXX ; however, I paid one of the loans in full. That loan was approximately {$20000.00}. I have a lender who is willing to pay the remaining three loans in full and refinance them in my sons name, but they need a letter from Edfinancial Services that shows my son as the beneficiary of my XXXX XXXX loans. The problem is that I can not get Edfinancial to give me the letter needed, and I will default on these loans in XX/XX/2024 if Edfinancial does not provide the letter. I have been trying to get the letter from Edfinancial since XX/XX/2024. It is nearly XXXX, and Edfinancial refuses to email the letter to me and when I call them, I am continually told that the letter was mailed on XX/XX/2024, nearly XXXX weeks ago. To date, I have not received the letter. I am now concerned that Edfinancial is intentionally refusing to provide me with the letter, especially since it only takes a few minutes to email the letter to me, which they refuse to do, and they are aware that I have not yet received the letter in the mail. If Edfinancial wanted me to have the letter that I need, they could also overnight it via express mail to me, but they have not taken any steps to ensure that I am able to refinance these loans. Edfinancial appears content in causing me to default on my XXXX loans and ruin my credit. 

I hope that there is a way that you can assist me with getting this letter from Edfinancial Services very soon to prevent my XXXX loan from going into default. Please let me know if there is anything else that I need to provide to you other than this letter. Thanks in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: PA

Complaint narrative:
I've always made sure that payments on this account are made on time and not allowed to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.

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 2024-04-26 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:
YOU ARE BEING PUT ON NOTICE THAT YOU HAVE WILLFULLY AND NEGLIGENTLY VIOLATED MY CONSUMER RIGHTS. XXXX, XXXX, and Experian have reported the following inquiries on my credit report, which violates my rights under FCRA - 15 USC 1681b ( a ) ( 2 ). I did not authorize XXXX to report this information or provide my credit details to any of these companies. When I informed XXXX of this violation, my request to have this information removed was denied. Representatives informed me that I would need the companies to send a letter requesting deletion. These companies do not have the right to access this information without MY CONSENT, yet XXXX is granting them that right WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE. I rescind all rights expressed or implied that grant XXXX, XXXX, and Experian the right or authority to bypass my written consent to report anything on a consumer report bearing my personal and private information. In addition the following information is reporting incorrectly : Address : XXXX XXXX XXXX XXXX, TX XXXX Never Paid Late : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( this account has been closed and inaccurately reporting which is significantly harming my credit rating ) All credit transactions are secured transactions. No real debt even exists for the companies reporting so how could it ever be late? Furthermore payment was voluntarily made so reporting it as late is an inaccuracy within itself. This is defamation as well as a violation of FCRA. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. PLEASE Submit an affidavit of truth that your billing records are in fact correct. XXXX XXXX XXXX XXXX : not mine XXXX XXXX XXXX  not mine/ reported as fraudulent No permissible purpose Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX My only address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX My only date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You 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 2024-04-26 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: GA

Complaint narrative:
Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TEXAS XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX My only date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You 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 2024-04-26 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I called a few days ago to open disputes for ( 2 ) unauthorized transactions on my Milestone Cashback credit card in the amounts of : {$150.00} and {$270.00}. I confirmed with the representative these were the only ( 2 ) unrecognized charges. After logging into my account, I noticed my account was credited for both transactions, plus an additional transaction of {$320.00} that I did NOT report as fraudulent. I immediately called support to cancel, as this charge was from my landlord ( for rent ) I did NOT ask Milestone to chargeback that transaction. 

Supervisor XXXX confirmed a request was sent to disputes to cancel the transaction, and acknowledged it was not included in my original report but was somehow credited to my card with the other charges. He also stated it was not possible to confirm this in writing ( via email ), but assured me it was a temporary credit from Milestone ( not taken from the merchant ) and they should be able to cancel the dispute before the merchant is notified ( within less than one week ). 

Im submitting this report to document that Milestone disputed this valid charge without my permission and ensure the claim is cancelled for this ( 1 ) charge I did NOT report as fraudulent ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}

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