vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balanced owed to this original creditor. Where is the information coming from?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I contested this debt as being partly and possibly entirely invalid on XXXX. 

I had multiple conversations with XXXX XXXXXXXX, the original holder of this debt. Two items on the bill are incorrect. The other two charges are debatable, but difficult to discuss because, despite multiple conversations with representatives of XXXX XXXXXXXX they refused to explain what the charges are for. They also refused to remove the incorrect items. 

The incorrect items add up to {$610.00} and are invalid. The items we need an explanation for are the Lease Responsibility Charge of and the Move Out Paint charge. 

Furthermore, there was no accounting of our security deposit on the original bill. 
This could have been handled quickly and fairly, but XXXX XXXXXXXX refused to communicate with me or respond to any of my requests for information or corrections. 

On XXXX, we were advised that they had filed a credit item on us, forcing us to make the payment or not be able to move into a new facility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01 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: NJ

Complaint narrative:
I checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. These accounts are damaging my credit and it's affecting my credit worthiness.

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 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transworld systems is reporting a XXXX XXXX  account on my credit report that is in collections from 2021. We dont have XXXX XXXX, we have XXXX XXXX  XXXX at my house. I asked them to remove this and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
My rights were violated for 3 years by this reporting agency, which failed to cease negative credit reporting under the Heroes Act of XXXX. The Heroes Act provided protections against such reporting during the duration of the Nationally declared disaster, COVID-19 Pandemic ( XX/XX/XXXX - XX/XX/XXXX ). 
The Heroes Act expanded relief during the pandemic and the FDIC, OCC, and Federal Reserve identified ways to assist struggling consumers such as myself, through repayment accommodations. Accommodation included : Extending payment due dates, deferments, and forbearance, none of which was offered to me. I should have not only received protection from negative reporting plus ( +120 ) days but offered a chance to repay past due balances in equal payments. For debts greater than {$5000.00}, I should have received a 36-month repayment term but instead have seen complete sabotage to my credit history.

I agreed to settle just for the sake of avoiding debt collectors who called me everyday until payment was received, which was also a suspended practice. Every creditor with negative payment remarks and reporting in my credit file was in direct violation of my rights and this Credit Bureau assisted them in doing so. The negligence has cost me my financial standing and peace of mind. I am not a representative of a credit repair agency, I do not dispute that the accounts belong to me, I am simply an upset consumer appalled by the mismanagement of information and influence during such a dark period in my life. 
I have attempted to resolve this issue at the lowest level possible. Rather than meaningful results, I am faced with intimidating language about the FCRAs rules on Legitimate disputes, a fluffy response that has nothing to do with my claim, or a you are a credit repair agency because there is no way this retired veteran could possibly know how to research legal topics. It is unfortunate that all this Bureau must do is type jargon and it suffices as a real response, case closed by the CFPB. I will not let this error continue. I want one of the options proposed as a solution selected and typed in a response. This way I can confirm I am not speaking to an autobot, which is the tone of all responses coming from the bureau.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-01 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: CA

Complaint narrative:
It's important I don't have this account on my credit report because it doesn't belong to me and appears to be a scam. In order to correct these errors as quickly as possible kindly remove them to 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized credit card account opened and showing on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Credence Resource Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX added a collections request for a {$2400.00} Debt with XXXX XXXX being the original creditor. 

I called XXXX as I am a customer of theirs but never have used them for XXXX services. They said that they had no record of the debt and could not help me. 

I called XXXX and asked them to provide proof of the debt. They tied the debt to me at an address in another state. I asked to provide proof that it was me and they simply replied that I owed the money and that the debt was in my name. Then they said even if they were to remove the collection that it would quickly return. They offered to negotiate a lower amount. I had this conversation 5 times because they kept transferring me until I got fed up and hung up on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I was in XXXX XXXX and applied for a credit card. I gave my driver license to the store clerk to input my information and she entered it incorrectly. So, when my credit was ran, my address was correct, but my name was wrong and didnt match my S.S. #. 
I received a letter from Synchrony Bank requesting additional information to verify my identity, the letter had the name wrong name. 
On XX/XX/XXXX I called Synchrony Bank to give my correct name and verify my information. When the agent asked me for my S.S. #, I informed her that I didnt want my credit ran againI just need to update my name. She told me that it wouldnt be ran again. She sent me a link to take a picture of my driver license and a video of my face. I also had to scan the bar code on the back of my driver license, it wasnt scanning, I was prompted to call XXXX. I called and spoke to another agent and went through the whole story again. This agent said, I dont understand your situation, so I asked to speak to a supervisor. The supervisors name was XXXX, I explained everything again and stated that I dont want my credit ran, Im just updating my name. XXXX checked and confirmed that my name had been updated and my account was in review and assured me my credit wasnt going to be ran again. 
About XXXX minutes after I got off the phone with XXXX, I received an email alert that there was a new inquiry on my credit report. I checked my report and there was another hard inquiry done by Synchrony Bank on XX/XX/XXXX. I called back and spoke with another supervisor, his name was Al. I explained that I now have two hard inquiries from Synchrony Bank for the same credit card and he said, their system only shows one inquiry, and it was done on XX/XX/XXXX. I asked for a letter so I could have the inquiry from XX/XX/XXXX removed from my credit report, since they are the ones that made the mistake. He claims that Synchrony Bank was not able to give me a letter. 
Please remove the hard inquiry from XX/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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened Capital One Venture X credit card for only reason to able to transfer the miles into another airline account. It was advertised that this card is eligible for it. However, it's a false advertisement and this function does not work. I called to customer service to find when approximately the issue will be fixed and they said that it's known issue, there is no currently resolution or estimate when it will resolved. I mentioned that the only reason I opened this card is to transfer to another airline account, on that customer rep said that I can use the miles on capital one travel website. This is fraud... I opened a card which affected my credit history for nothing. I can't open another similar type card now because my credit got hurt and they making money by luring people into services they don't provide. I wasted the time to buy better price tickets because I was hoping to move the miles and now I have to pay higher price.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Despite ample evidence of violations presented, Experian has opted not to remove the debt, despite no changes being made to the report. Experian Violations : XXXX. Failure to Provide Comprehensive Verification ( Code : XXXX ) : Experian neglected to conduct a reasonable reinvestigation within the mandated timeframe, as demonstrated by insufficient documentation from XXXX XXXX XXXX. This breaches FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. Delay in Responding ( Code : XXXX ) : Experian failed to respond within a reasonable period despite receipt of my letter dated XX/XX/2024, thereby violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field XXXX. XXXX XXXX XXXX Violations : XXXX. Failure to Provide Comprehensive Verification ( Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  documentation inadequately links the debt to me, contravening FCRA Section 611 ( a ) ( 1 ) ( B ) and the Metro 2 standard, Field XXXX. XXXX. Neglecting to Address Dispute ( Code : XXXX XXXX XXXX XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 3. Shifting Burden of Proof to Consumer ( Code : XXXX XXXX XXXX XXXX XXXX Credit wrongly shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart.

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 2024-04-01 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: CA

Complaint narrative:
The student loan company placed me in school deferment. I called them and told them that I did not give them permission to grant me in school deferment, and to place my account back where it was because I had already made payments through XXXX 2024. They then said they needed to send me a form to sign so that way they can put my account back as it was prior to them placing it in school deferment I went signed the form uploaded it and sent it back. They placed me back and repayments status but they dont have the payments that was paid through XXXX 2024, therefore now theyre sure that my account is delinquent I called them. They assured me that my account was still being worked done, and that that was gon na be done. However, Im starting to get messages that my account is delinquent. I have left the messages on their portal. I have tried to call them and I am not getting any results or any progress, I need them to restore my account with my advance payments that I had thru XXXX 2024 2024

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Paid the principle, informed the company that all interest would be paid at the end of the loan. 

Also they do not provide a loan number on this issue, which means they do not control it either. Whatever bank is holding this loan does not have any authority to sell it. It does not belong to them, but to ME. 

I expect this CFPB to take legal action and forward it to the department that does investigations on real estate fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
It's important I don't have this account on my credit report because it doesn't belong to me and appears to be a scam. In order to correct these errors as quickly as possible kindly remove them to 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 non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation
State: DE

Complaint narrative:
In XX/XX/XXXX, I set up an account with XXXX XXXX XXXX ( aka XXXX XXXX ) I deposited money onto an account that I would use for the total purpose of communicating with a loved on. Deposits were made on XXXX {$35.00}, XX/XX/XXXX - {$25.00}, XX/XX/XXXX - {$20.00}, XX/XX/XXXX - {$20.00}, and XX/XX/XXXX - {$20.00}. 
Since I had not used the account I contacted the company in XX/XX/XXXX and then again on XX/XX/XXXX and requested a refund. I was then told I only had {$52.00}, when I deposited {$75.00}. So I requested my refund on XX/XX/XXXX and was told it would take 30 days. Well today is XX/XX/XXXX and I contact the company at XXXX XXXX. Spoke to a representative named XXXX who stated that the check went out on XX/XX/XXXX and I stated that could not be because I never received it. I verified all of my credentials during the authorizarion process and then was told that I needed to provide a picture ID in order to receive my refund. Mind you, when they took the payment from my debt card no picture ID was required and now I am told I need to provide a picture ID in order to get my refund. This is absolutely ludacris. I spoke to a Supervisor, and asked to see a copy of the policy/procedure where a picture ID is required before a company could refund my own money. I truly believe this company is running a scam on hardworking customers and are not willing to refund the money that I jad set aside for myself to make calls to a loved one. This agony and pain I have been put through has been unbelievable and causing great XXXX just so I can get back what is owed to me. This company has caused great distress and has made this refund process absolutely unbearable.

Company response to consumer: Closed with explanation