vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: LA

Complaint narrative:
I recently discovered that they cra 's are allowing furnishers to furnish information outside of the FCRA guidelines. In XXXX of this year I challenged that information and some of which was corrected. For example, I had a lot of inaccurately reporting inquires to my consumer report along with two charged off accounts. 
The consumer reporting agency reported each of the inaccurately reporting inquires but did not remove either of the accounts. 
I was even told by Transunion that they thought I was using a third party to help me fix my credit and did everything in their power to stall my progress. This has caused me great harm and financial burden. This is not fair nor equitable to me as reasonable procedures requires it to be. As I see it the cra 's and the data furnishers are the only ones benefitting from them parking this debt and not doing a valid investigation to prove it validity. 
I will attach my disputes to this complaint in hopes that they follow the guidelines but I have a consumer lawyer on standby if they refuse and I am ready to proceed to Federal Court. 
Both accounts reporting as " charge off '' status should not be reporting to my consumer report and should have been removed when I previously requested validation. These companies have lied to me in writing and told me that they have done and investigation and the " data furnisher " certified or validated the debt when 15 USC 1681 a ( e ) says that an investigative consumer report is done by conducting personal interviews with the family, friends and neighbors of the consumer reported on and does NOT INCLUDE specific factual information reported directly from the creditor of the consumer reported on but this is EXACTLY WHAT THEY ARE DOING. WILLFULLY non compliance with FEDERAL Laws as if they are above the law. This is unacceptable and a court won't second guess granting me remedy when they see the investigation results Congress has made public record of the CRA 's using predatory tactics to harm consumers. Also them not having the staff to handle the work load as well as them profiling letters by envelope, ink coloring and font and much more. The CRAs have become a nuisance and think they are above the law breaking it DAILY with 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 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IA

Complaint narrative:
I used my Chime debit card on XXXX XXXX XXXX XXXX XXXX withdrawing {$500.00} at XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX The transaction were cancel due to not wanting to pay for the ATM fees. No cash nor receipt dispense. Called XXXX XXXX right away, they restructed me to contact my bank for charge back/dispute if there is no auto reversal. Filed dispute with Chime on XX/XX/XXXX after funds was not credit back, received notice from Chime that my case were denied and close. I DID NOT RECEIVE ANY CASH, TRANSACTION WERE CANCEL. I need this to investigated by both financials institutions, {$500.00} is not loose change and I need my cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital emailed me saying I owed XXXX XXXX. I called and asked them to provide details for this claim. What service was provided, when and do they have original invoice. They did not have this information and said theyd file a dispute. I have now received a letter from Jefferson Capital telling me theyre unable to resolve the request and asking ME to provide my SSN, account number, description of error etc. 

I dont have any such information as I dont recognize the debt. I just feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
Flagstar Bank on a recorded line told me that If i asked for a loan modification ( which I did ) that my interest rate would lower and my delinquent amount coming off of forbearance would be rolled into a 40 year loan. This would make the mortgage more affordable than when I got it. I applied for a loan modification and was denied for every single option. 

I asked the company in my ONE TIME appeal to just roll the delinquent amount into a 40 year loan with my current interest rate as it was already approved by both the HUD and the investor. I am still awaiting the outcome of this appeal. I make more now than when I originally got the loan, and can make the regular payments however the loan servicer refuses to ensure that I can stay in the home with the current payments, much less with a reduced payment amount.

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX I tried to unfreeze my credit to lease a car. I was unable to get into my account with my user name and the 10 digit pin I had. The last time I had unfrozen my account was in XXXX. I tried forget password and user name and both were unsuccessful as was the alternate way of identifying myself. 

I tried to reach customer service on the number supplied on their website and it was automated. When I asked for Customer Service they said none was available. I also tried calling several other Experian phone numbers with the same results. I did this for three days assuming they were having issues and never was able to speak with anyone. 

The car deal was going to expire this week so I didn't have time nor should I have to write a letter to unfreeze my account which I originally did online. 

I checked with other people I know who had their accounts frozen and like me did it 5+ years ago and they also could not get in. It appears that Experian changed their login user names and stopped using pins and did not notify anyone nor did they allow you to use an alternate way of logging in or display a message at login time telling you to create a new account. 

I ultimately tried creating a new an account and it correctly brought up my personal information and allowed me to temporarily unfreeze the account. Why weren't we notified if old accounts were activated and that we had to create new ones? 

I was trying to do the responsible thing by freezing my credit. It is unacceptable for the company that controls our credit does not have a reachable customer service team. 
People getting apartments, jobs or lines of credit could lose out if they can't quickly unfreeze their credit. 

While I was ultimately able to figure this out on my own and get into my account, it was a very stressful three days and I know other people are in the same situation. Experian needs to take responsibility and make customer service available to people who can not access their accounts especially when they caused the problem.

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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX  I sent a letter to Experian about a fraud inquiry that was put on my credit report, I asked that this inquiry be removed from XXXX XXXX XXXX on XXXX XXXX XXXX The I inquiry is fraudulent and needs to 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 2023-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received a letter ..Representing a Credit Card Company ... 
with Pages to fill out Idenity Theft Affidavit .... I am afraid to call.. 
My credit is in good standing... I have had the police here on receiving a medical bill.. 2 months ago ... ..not mine,,,, XXXX is saying I owe since XX/XX/13 they are threatening me to put in collections I have filed with Federal Trade Commission I XXXX XXXX XXXX FTC Report number 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 2023-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My loan servicer is breaking XXXX XXXX regulation XXXX by claiming they will call due my loan when I transfer Title to my XXXX. This is illegal.

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 2023-10-01 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 section 4 - States I have the right to privacy.

15 USC 1681 section 604a section 2 - Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX - I payed my {$95.00} CAPITAL ONE MEMBER FEE XX/XX/XXXX - My account was suspended due to fraud detection XX/XX/XXXX - I submitted all the necessary information. 
XX/XX/XXXX - I was called saying my information could not be validated and to be resubmitted. 
XX/XX/XXXX - I resubmitted all the documents. 
XX/XX/XXXX - Without any notice or call for which I was told I would be - Capital One Closed my account. 
XX/XX/XXXX - I noticed my account was closed and called and was not told what could not be validated as well as what I violated. I was told my member fee would not be reimbursed for a card they allowed me to have for less than a month. As well as any miles that I had EARNED on the account. This is ridiculous as they basically can not tell me why they closed my account and are refusing to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.

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 2023-09-30 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: NC

Complaint narrative:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

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 2023-09-30 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: NC

Complaint narrative:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

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 2023-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXXXXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX  Account Number : 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 XXXX 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 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 2023-09-30 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: NY

Complaint narrative:
On my XXXX XXXX there's is XXXX negative items the first on is a loan that's XXXX  days late and XXXX charged off account that are negative and also XXXX fraud credit inquiries I have a federal trade commission identity theft report on file these items supposed to be removed from my transunion report my social security number is XXXX. And regarding equifax Credit report there's XXXX XXXX  item that's XXXX XXXX past due it supposed to be removed from my equifax Credit report theirs is a federal trade commission identity theft report on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I applied for a XXXX modification in XXXX with Wells Fargo due to being XXXX, they instructed me to quit paying my XXXX payment and would modify my loan. XXXX months later i was in XXXX I called and sent documents XXXXl times with no response. I called every week, they kept saying my documents were not received. Then I was denied. My house was going to be XXXX in XXXX of XXXX and thankfully my XXXXr left me XXXX when he passed and I Paid XXXX and saved my house. 
XXXX XXXX!!! This was so stressful and they just ignored me after they instructed me to quit paying my mortgage because they would modify my loan.

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 2023-09-30 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: NC

Complaint narrative:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: DC

Complaint narrative:
In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( 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 XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On or around XX/XX/2023, my XXXX, paid her XXXX XXXX payment that was due on her card. It was mistakenly credited to my account balance. 
Between XX/XX/2023 and XX/XX/2023, after receiving my statement and noticing the mistake, I called to have the payment she made to my card transferred over to her card. They debited my account for the amount she paid which was XXXX. However, somehow, they debited my account XXXX  for the same amount. XXXX  once to pay the balance on her card and then again, now leaving a balance due on my account of XXXXXXXX 
I then called sometime in XXXX after receiving my statement to tell them of the mistake, and after an hour on the phone they promised it would be fixed, listed it as a dispute, and that I would need to wait XXXX  days for it to be resolved. 
After the XXXX days had run, they said it was a correct charge and listed my account as XXXX past due at which time I started to receive emails, letters, and, for the first time in my life, put into collections. 
I have called a minimum of XXXX  times, spent approximately XXXX hours on the phone, most recently on XX/XX/2023, attempting to have them remedy the problem. After every single phone call, I am told that they see the problem, they will remedy the situation, that they will send me a letter telling me it's been fixed and notify the credit bureaus. 
Then on XX/XX/2023, I receive a letter from XXXX XXXX Bank XXXX XXXX that they are correctly reporting to the bureaus, that my account is past due. 
I received a notice on XX/XX/2023 from XXXX saying my credit report was decreased by XXXX points, on XX/XX/2023, XXXX XXXX closed my account which further decreased my report, on XX/XX/2023 and again on XX/XX/2023 it was flagged as XXXX days past due. 
I am at a loss as to what to do. There is an outstanding balance due of XXXX plus interest and late charges of XXXX. There were never any purchases made in the amount of XXXX. If they would just look at the monthly balances due and back out the purchase amounts they would see that it is a mistake that their company made. Also, wouldn't they see that it is a bit strange that the payment amount was XXXX  and the balance due is XXXX?? It absolutely unacceptable. I have done nothing to deserve any of this treatment. I want the charge removed. I want the interest and late fees removed. I want my credit line restored on the XXXX XXXX card and I want them to correct the credit bureau flags as soon as possible.

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 monetary relief