vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: A+ Financial Services, Inc.
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for A+ Financial Services to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

A+ XXXX- XXXX A+ XXXX - XXXX Last 4 digit SSN - 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 2024-02-21 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: NY

Complaint narrative:
I thoroughly reviewed again my credit report and I can still see the fraudulent item that needs reporting and correction through your company. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-22 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: AZ

Complaint narrative:
This communication is to address a serious matter concerning the reporting of information in my consumer file, which I have identified as a result of alleged identity theft. In accordance with 15

U.S. Code 1681c-2, a consumer reporting agency is obligated to block the reporting of such information not later than 4 business days after the date of receipt. However, despite my initial communication, 30 days have elapsed with no action taken, constituting a violation of federal law. The accounts associated with the reported information should not be included in my consumer report, as their presence violates the stipulations set forth in 15 U.S Code 1681b. Subsection ( a ) outlines permissible purposes, and subsection ( c ) ( 2 ) states that any consumer reporting agency can furnish a report only with the written authorization of the consumer to whom it relates. - Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report : This account is in violation of any credit transaction supposed to be
excluded from a consumer credit report if a social security card was used in the transaction.

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-21 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On Tuesday night XXXX the XXXX I tried to make a purchase using my Capital One credit card, but it was blocked. I then contacted Capital One about why this was happening, I was then told that the deposit of XXXX dollars to get the credit card had been returned back to the bank. I couldn't understand that because Capital One had already sent me XXXX credit cards and said that the deposit for XXXX dollars was paid and accepted by both Capital One and the Bank. Plus I had already used some of the money in the XXXX dollar credit limit. Also this had taken place over 3-4 weeks. I asked Capital One why didn't they verify with the bank that the deposit payment was approved, they told me it was initially, but later on 3-4 weeks the bank took back the deposit payment. The problem I have with this is how Capital One handled this whole process at no time did Capital One inform me of this until on Tuesday night XXXX the XXXX which was 3-4 weeks after they sent me XXXX credit cards in the mail and I used some of the Credit limit to make purchases. Also Capital One had canceled the XXXX Credit Card they sent me before I ever got it. Then they had to send me the XXXX XXXX. I want Capital One to open my account and activate the Credit card they just gave me the one I have now!! As far as the deposit I believe Capital One has received it and approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: OK

Complaint narrative:
15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I recently received notice that my credit report negatively reflects a negative debt balance from a company I have never heard of, nor have I received notification from. I was recently notified from a debt consolidation company that Transworld System Inc has a collection debt of {$1100.00}. 
Following the Fair Credit Reporting Act, I do not believe they followed the proper guidelines to notify me of this alleged debt or correctly verified the accuracy of my information. Transworld Systems Inc improper procedures are highly damanging to my credit score and should be deleted immediately for noncompliance.

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 2024-02-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, TransUnion, LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with TransUnion, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that TransUnion had possession of my information.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I request that my account with XXXX XXXX company, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX close my account aftXXXXr nine years with them in XXXX. I never received a respond so I called them on XX/XX/year> and spoke to XXXX different people and was finally sent to the Customer Loyalty department ( XXXX ) XXXX in which I was told handles closing accounts. This was after being on the phone and explaining my situation XXXX time for over XXXX XXXX hours. 

The person told me that I still owe {$100.00} for equipment. I dispute that because I've had the account for over 9 years and up to date with payments at that time. So I agreed to pay the {$100.00} if they would send me a email stating that my equipment bill was up to date. I was told that my account would be closed, but the following month I continued to receive bills from XXXX I call the Loyalty department again after receiving XXXX more bills and ask to speak to a manager. While on the phone the manager agreed that this should never have happened and he would make sure that the account would be closed and gave me his direct office phone number. ( XXXX ) XXXX. I received a letter from the Loyalty department stating that my account was officially closed. ( See attached ) Then on XX/XX/XXXX I received a letter from TSI, Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ( XXXX ) XXXX stating that I owe {$360.00} from XXXX XXXX I called TSI and they informed me that this originated from XXXX. I told them that his account was closed and I had correspondence that it was closed. On XX/XX/XXXX I sent TSI copies of the XXXX closure correspondence I have with XXXX. They informed me that the account number that tie XXXX to this account was # XXXX. 

I called them today XX/XX/XXXX and they told me that they have not received the correspondence and refuse my request to email them. 

This has gone on for a year and my credit report has not been corrected at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO XXXX This, Wells Fargo auto loan have been opened up in a fraudulent name as XXXX XXXX XXXX in which I had removed from your credit report due to identity theft. Someone has succeeded in using my name to cosign for a XXXX XXXX pace in the year 2000 so it is really disheartening that this keeps happening. WFDS XXXX Account and XXXX XXXX XXXX was also associated with a XXXX XXXX XXXX XXXX, XXXX XXXX, CA address that I had to have removed from my credit report due to it being fraudulent with this account. I have succeeded in reporting this account as theft and it has successfully been closed and repossessed from the perpetrator. Please delete all occurrences of this account from my credit report immediately.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: TX

Complaint narrative:
Revco Solutions Reference # XXXX Since XXXX Revco Solutions has been trying to collect a debt from an automotive repair shop in the amount of {$910.00}. I ignored the debt collection attempts until XXXX of XXXX. I figured it was a mistake, but it never self corrected. 

XX/XX/XXXX - I wrote Revco Solutions informed them that the debt was not mine and requested they prove the debt is mine by providing a copy of a form or agreement that I signed obligating me to the debt. 

XX/XX/XXXX - Revco Solutions responded by providing me a copy of a statement from an automotive repair facility with my name on it and informed me that Revco Solutions was terminating further collection efforts. 

XX/XX/XXXX - I informed Revco Solution they had failed to provide proof of the debt being mine. By providing a copy of an account statement, with my name on, did not constitute providing a copy of a signed credit agreement. I requested they remove the debt from my credit report at the earliest possible date. 

XXXX XXXX No response has received from Revco Solution . I filed disputes with two of the credit reporting agencies with no resolution. A review of my credit report shows the debt remains on my credit report. 

Summary - I have not owned a car since XXXX and have been using ride sharing services for my transportation needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: OR

Complaint narrative:
My XXXX loan was discharged with an effective paid in full date of XX/XX/XXXX in XXXX under the public student loan forgiveness PSLF program. I made at least 23 payments after that effective date, up until the COVID pause program. I'm expecting at least {$3000.00} in a refund for excess payments. I have 180 PSLF eligible payments according to the Studentaid.gov website information. I've tried contacting Mohela and the Studentaid.gov Ombudsman for information and status of my excess payments and when they will be refunded. The Ombudsman 's office never even returned my phone call or responded after a month. They both point fingers at each other and Mohela says that it's not their problem, and the Dept of Education says it's not their problem either. I want the excess funds returned ASAP. It has been over 9 months now since the original discharge through the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I hardly file disputes. Ive been with my bank for 10+years and only had about maybe 2 disputes. 

I got my hair done on XX/XX/XXXX. I was not satisfied with the style as the lace started to come apart and lift up on the same day of getting my hair done. I contacted the stylist the same say as getting my hair done. The hair stylist responded and stated she could fix my hair the next day at XXXX. I informed the stylist that was too late but the stylist insisted that was the only openings she had to fix my hair. I went the next day at XXXX attempt to get the style fixed. Once again, once home the lace came up and lifted. I contacted the stylist again this time asking for compensation. The stylist stated she will not provide any compensation. I filed an dispute with my bank and was told it would take 60 days for a resolution. I call my bank on XX/XX/XXXX to get the status of my dispute. I was told my dispute was denied. I am not understanding this as like I stated I'm not a person that continuously files disputes. I was told by the hairstylist this hair style was supposed to last at least 2 weeks. The style did not last three days. I sent pictures to the bank of the style and it was clear the style was not sufficient for the amount I paid. I was unable to even wear the style. I would compensation and not have file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX the XXXX I made a payment of the full amount on my account, in order to purchase my house I needed a XXXX balance system from them, the app stated that my payment did not go through, so I called the number to make payments, and paid it that way. 
My statement balance ended up coming out of my bank account twice, I have discussed this with synchrony on several different occasions! My original balance was only around {$1100.00}, I was supposed to get sent a check from them to dismiss the other payment they posted to my account, I never received the check, I called back on XX/XX/XXXX to make sure it was taken care of and now I have an outstanding balance of {$2200.00}! I am a mom to XXXX babies under XXXX and I can not afford to pay for their mess!

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