vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: PA

Complaint narrative:
In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Hunter Warfeild INC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, Hunter Warfeild INC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And Hunter Warfeild INC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Hunter Warfeild INC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX {$1500.00}

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
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to Experian, 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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed Unauthorized inquiries on my my credit profile. Received a letter stating theyre unable to remove inquiries. I have not authorized any company to report these items to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 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 XXXXXXXX

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The folllowing account is being reported inaccurately ... .... 
Capital One XXXX Balance {$120.00} The Balance on this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I assisted to a Dillards store. The lady at the cashier offer me a Rewards card. I told her many times that I wasn't interested in a credit card, arguing that she was offering a rewards card and not a credit card. 
I told her maybe 3 times that I didn't want to apply to a credit card, because I recently got my SSN and I was starting to make credit history and I knew that it might affect my score. 
She insisted that she was not offering a credit card, so I finally agreed to apply for the " reward car '' that in theory would give me cash back or points as many stores do with XXXX cards. 
She intentionally cheated on her intentions and I unfortunately felt on it. Perhaps it was that Its not my native language.

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 2023-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. 

IN ADDITIONA CREDIT COLLECTION SERVICE DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF GEORGIA . Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have sent in Dispute letters to XXXX, Transunion, XXXX. To have unauthorized inquiries removed. I received letters from the reporting agencies XXXX Stating that theyre unable to remove the inquiries that I never authorized. I am requesting that all inquiries be removed.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX  {$1500.00}

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
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This is complaint and day Lost count. Pnc bank has dtolen money from myself and my Mothers estate that was left to her by my father. She left us 2 cd 's both IRA, one was worth just shy of XXXX, the other as of XX/XX/, it matured to XXXX. Now the bank claims it never exsisted. I have been wieghting 3 almost 4 montgs cost mr {$35.00} in XXXX fees and still nothing, but lies as to why it has not been fufilled. It is a travisty tbat this company treats its deaceased employees families as they do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent my sister XXXX. She sent it back because she thought she no longer needed it. 
On XX/XX/XXXX, she asked for it again, when I went to send it, cash app flagged it as fraud ; and said they were holding my money for 3 days, then returning it. 
Cash app withdrew XXXX from our account. ( XXXX plus fees ) and never returned my {$510.00}. Ive called, inboxes support, and all they said was that they have no further information. 
I disputed with my bank since we are almost in May, and cash app is challenging the dispute! 

They sent my bank receipts for the 6th, and lied and said my sister cashed out. However, the transaction she cashed out is merchant token : XXXX, I am disputing merchant token ; XXXX. 

My question is where is my money? They refuse to give it back, and dispite not having an answer for me.., why are they lying to my bank? 
Did an employee keep my money? When I spoke to an employee XXXX he never answered and just repeated that my money would be returned in XXXX business days from XXXX but we are in XXXX! 

I have attached the conversation with myself and cash app, plus the lies they sent my bank. 
You willl see these are two different transactions and that they NEVER address my concerns that the money was not returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's been over 30 days and the creditor never updated information or provided proof or documentation in regards to the late payment marked on my account. According to federal law if they fail to provide this information and complete the investigation in 30 days this information should be deleted from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX XXXX XXXX HUNT & HENRIQUES are harassing me & sending unverifiable statements, unsigned applications & other unverifiable paperwork. I recently submitted a complaint against this company for harassment & they continue to harass me. I informed them I was a victim of identity theft & submitted a police report & other verifying proof of the matter. They are infringing on my legal rights under FDCPA laws. I'd like them to cease all communication with & stop harassing me. If they continue to pursue this matter I will be seeking a legal remedy against them & XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to a XXXX XXXX  in the XXXX called XXXX XXXX. Upon my arival the pool was green and missing chunks of marcite. I than said lets go to the beach the beach was closed because XXXX XXXX  was in port and they had exclusive rights to the beach. we then proceeded back to the holtel for dinner and found out that half the resturants were closed becaused due to lack of customers. this was a completely wasted trip I was totally disatified and let the manager know. I never signed the bill due to my disatifaction. The XXXX charged my card that I held the reservation with. i contacted and wrote my dispute to capital one sent them pictures of the green pool they said matercard does not except pictures in disputes lol this is totaly unexceptable!! people need to be responisble for there lack of effort to keep the property clean and running as per the advertisement. i am not paying for a vacation that i could not enjoy!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence resource manage keep calling me from multiple numbers about a debt that I see on my credit report from XXXX XXXX in the amount of {$130.00}. I have no knowledge of this collection and would like for them to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.

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 2023-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Mohela did not certify all of my employment correctly. There is a gap in my qualified payments, 15 months to be exact, due to not backdating the employment dates per laws with the PSLF program. Due to this error, I am only receiving 60 qualifying payments, when I should have at least 74. I have attached a copy of the application that was provided to Mohela in XXXX. My identifying information has been removed for security purposes, but it was present when provided to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX IS ALLOWING XXXX AND AVANT TO ATTACK MY CREDIT FILE. THIS IS HARASSMENT. THESE COMPANIES ARE REPORTING 3 COLLECTION ACCOUNTS FOR THE SAME ALLEGED ACCOUNT. THAT IS ILLEGAL. EQUIFAX MUST PRODUCE 3 WET INK CONTRACTS FOR THESE ILLEGAL ACCOUNTS OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ). I HAVE ASKED EQUIFAX TO REMOVE THIS FRAUD BEFORE BUT THIS IS JUST HARASSMENT AT THIS POINT. THEY CAN NOT PUNISH CONSUMERS FOR ATTEMPTING TO REMOVE ILLEGAL ACCOUNTS.

Company response to consumer: Closed with explanation