vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
In XXXX of XXXX, I became a victim of fraud. The fraud affected XXXX credit accounts, for which I filed a XXXX complaint with the FTC immediately, filed a police report, and by federal laws and regulations, all negatively impacted creditors as a result of the fraud immediately removed any negative accounts from all bureaus. XXXX of the bureaus, XXXX and XXXX removed Discover under lawful directives, however for over XXXX years, Discover, through XXXX, has repeatedly denied my request to remove this negative, fraudulent account from my XXXX credit report. Even though it has caused me great harm, even with Discover being fully aware of my immediate reporting of the fraud, filing a formal complaint with the FTC, and filing a police report, ( none of which is required ), Discover has independently chosen to refuse adherence to federally mandated laws and regulations, chosen to punish me for the last XXXX years, all while XXXX other major competitors acted immediately under laws relating to negative account reporting under claim of fraud. As further proof, account number XXXX on my XXXX report lists my credit limit at {$1500.00} but the amount owed at {$3700.00}, and not from interest as Discover closed the account in XX/XX/XXXX. I state now in this complaint, as I did in XXXX, that I was a victim of fraud on multiple accounts. I filed a fraud and identity theft report with the FTC immediately, and a police report immediately ; The only creditor who refused to act lawfully was, and still is, Discover through XXXX account number XXXX and done so intentionally, and in knowledge of the harm caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name, XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have a right to privacy. 

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 7 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Foursight Holding LLC
State: TX

Complaint narrative:
Foursight capital is saying I owe them but I dont back in 2021 my account was on XXXX and now after XXXX  years they are saying I owe them XXXX. They did damage to my credit they did remark code removed from XXXX sight capital then the account increased and they bearly are saying they updated the payments and some are unknown. I dont owe them anything. This is under law 15 U.S.C 1681 and its not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
XXXX This account inaccurate from the first day of reporting please have it remove

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reported to the FTC, providing them with my file number XXXX, regarding a fraudulent collection on my account attributed to XXXX which appears as " Transformed Credit Inc '' on my Experian report. This closed account, which was never mine, has been persistently listed despite my requests for its removal. It's worth noting that this account was the one sent to XXXX 

Additionally, I've flagged several unauthorized inquiries on my credit file that need to be deleted. These include entries from XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX Credit on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX 's XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. None of these inquiries were solicited or authorized by me.

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 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I initiated a transfer Western Union through their app on XXXX XXXX 2024 of {$800.00} from XXXX to XXXX which amounted to XXXX XXXX. Transaction details and receipt states " Date Available in XXXX Receivers XXXX XXXX ''. I called their customer service number later in the day on XXXX XXXX 2024, and was informed that the money would be available later the same day. The money was not received or available on XXXX XXXX 2024. I called first thing the next day and was told that since the money didn't go through the other day, it would go through on XXXX XXXX 2024. I called back again and was assigned a case number as they were now unsure when the funds would be available and needed XXXX hours to investigate the issue. I called back again and then asked to cancel the transaction since they couldn't provide the funds on the date stated in the transaction and was told that they couldn't give me back the money, but they also couldn't make it available to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank froze my account and blocked my online access for no reason at all. I have received no communication and when I called in several times I was told to wait for a letter in the mail that would take some time. I need access to my funds sooner and I want an explanation as to why my account was frozen.

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 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
I have disputed the validity of this alleged debt. I have not now nor have I ever been in contract with AMSHER COLLECTION SERVICES Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking AMSHER COLLECTION SERVICES to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand AMSHER COLLECTION SERVICES to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have set up Autopay with Comenity Capital bank on the XXXX credit card. It should draft my bank account each month on the XXXX. It never worked. And I got charged for fees and interest charge almost around {$100.00}. I have been calling every single month to see why this happened and when it can be fixed. They never provided a direct answer. And never got anything from the technology team. What is even more frustrating is, they asked me to unenroll autopay and re-enroll. I don't think it makes sense since there is an apparent bug in the system not drafting autopay correctly. 

There are so many issues with Comenity bank and CFPB should consider opening a consent order to look into their practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
I currently have loans with Mohela and was approved for Borrowers Defense to repayment. My loans finally XXXX out on XXXX own website as well as XXXX but has not fall off the my credit report. I would like all these student loans to fall off please and I would also like information regarding my refund which ive been paying the department of education, nobody seems to know anything about the refunds. I have been laying for loans for over XXXX years, i know I should get something in return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XX/XX/scrub> 2024, I submitted a payoff wire for {$71000.00} to Specialized Loan Services ( SLS ) at the account provided. 
By XX/XX/XXXX, the money had not been applied to the mortgage. I contacted the SLS at XXXX to see if they had received the funds, but the person said that the funds still needed to be received. So, I was transferred to the escalations department, where it was determined that I did not put my mortgage account number on the wire. So, I faxed and emailed the proof of payment to XXXX & XXXX. I also called my bank to confirm the delivery of the wire transfer. IMAD number XXXX confirmed the wire was delivered to the correct account. 

On XX/XX/XXXX, I called again to ensure the documents were received. I was informed there was no one there to check the email account provided the day prior. I was asked to email a different account, XXXX. I received an automated email that the email was received. 
When I spoke to the customer support person at SLS, I was told I needed to contact SLS 's bank to try to resolve the situation because SLS did not have the payment. I contacted XXXX XXXX, and of course, they said there was nothing I could do as I was not the account holder. 

XX/XX/XXXX, I called to find out if SLS was able to locate my funds. I was told the money was returned to my account on XX/XX/XXXX and that it would take XXXX hours to reach my account. I checked with my bank to see if there were any funds pending. there are not. 

On XX/XX/XXXX, I checked with my bank to see if there were any pending funds, and there were none. I was told that they could add the missing information from the wire to the notes, so I asked them to do so. I contacted SLS for an update, but I was told to wait. 

On XX/XX/XXXX, I verified that the money was not in my account. When I called SLS, they said they had just received my documents and would process the return. They then corrected themselves to say that the money had already been returned, but they could not provide any evidence of doing anything at all. 

As of XX/XX/XXXX, there is no change. 

Attached are the wire transfer documents

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 2024-04-13 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: NY

Complaint narrative:
XXXX This account inaccurate from the first day of reporting please have it remove

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX This account inaccurate from the first day of reporting please have it remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: AR

Complaint narrative:
It was very disheartening when my case being thrown out because it was a duplicate response. No one from pro collect inc has provided a written contract or signature that ensures Im entitled to this debt. My rights are being abused and I have no legal or financial obligation to this company. This is not my debt and its being illegally reported on my credit report.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: MD

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: CT

Complaint narrative:
My wife and I continue to receive regular mailings of pre-screened personal loan options from Discover. These come with checks that are ready to use. We have swapped all of our info to paperless, have submitted various requests at sites such as optoutprescreen and tried contacting discover directly. 

Again today I tried contacting discover and spent over XXXX minutes chatting with XXXX to find no one was able to advise or assist. I attempted to send a secure email from within my account and there are only options to contact for name changes. I tried chatting and was bounced around from rep to rep unable to be helped. It is the year 2024, I just want to stop receiving mail from them for offers that I no longer want. 

I consider mailings of this type to be a risk to our identity, privacy, and financial security and would like them to immediately cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: SC

Complaint narrative:
The information reported on my credit report does not belong to me and needs to be removed immediately. I have reported this over and over. Please remove these accounts 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 2024-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc.
State: FL

Complaint narrative:
The company TOMOBOOST I opened a account with isnt reporting to none of the credit bureaus like its supposed. Plus, the account had just dropped today all of a sudden out of nowhere from XXXX. I open this account in 2023, my account has now suddenly just dropped off my credit report and all thought that it was fully paid off I just dont understand how I pay a {$1000.00} for something and its not even providing the service that is said it would its literally doing nothing that is supposed to do at this point. Then to make it even worse, the account has never once appeared on XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NC

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

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 2024-04-13 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: SC

Complaint narrative:
The information reported on my credit report does not belong to me and needs to be removed immediately. I have reported this over and over. Please remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>2024 There was an inaccurate vehicle Failure reported on my driving history that caused me to fail Please correct this asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed to be a victim of identity fraud. Please delete the unauthorized inquiry not done by me ASAP. Thank you in advance.

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