vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The current SSN breach of XXXX XXXX. SSN is on the news and the advice to freeze credit is valid I feel but, Experian is using to garner money from users in a very deceptive way. after placing the freeze on an account the actual setting is buried very deep in the website after them asking for money several times. It took me almost a half hour to find it just to verify it was frozen. They want XXXX dollars a month to place a lock on your credit and I see many people being confused and mistakenly signing up for that. I actually wonder if they didn't cause this breach to steal money from people. The other XXXX bureaus are not doing the same thing at all. As a matter of fact XXXX has the easiest to navigate and deserves kudos.

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, this is regarding capital one credit card, my due date usually will be 6 of every month. But the statement generated by capital one is XXXX of every month, I am not getting XXXX  days as promised by come to pay the bill, I am hardly getting XXXX  days. Which is wrong. Why it takes so much time to generate statement. Is the company waiting on me to make more purchases and add interest on that. Same issue with other cards too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was recently sold to Shellpoint mortgage. I tried setting up the account online but their new website wont find my loan. When I try talking to someone on the phone none of their options lead to a representative, just information from the robot. On social media their chats just automatically reply to call us. I cant get a hold of them to pay my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.

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 2024-08-18 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-08-18 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
When I called Capital One about my account, XXXX Employee ID XXXX Told me that he could not serve me that Capital One had a special department for XXXX XXXX  and another for the XXXX. When he told me they had special departments I asked for a supervisor and for his location which he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX has allowed DEPT OF EDUCATION/NELN to report my account 150 days late, but this account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 0 late payments being reported. I would assume it is impossible to report an account to have 7 late payments and 0 late payments with the came creditor for the same dates. With it being late on XXXX but zero late payments on XXXX. The error is illegal and unethical XXXX failed to an investigation. DEPT OF EDUCATION/NELN failed to perform an investigation. The incorrect late payments has been damaging to me. Remove incorrect accounts immediately. I called DEPT OF EDUCATION/NELN representative confirmed that the late payment was incorrect she stated it will be updated, but it has not yet been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
I have attempted multiple times to use Experian online to permanently unfreeze my credit report but their online app and website always displays messages to me that the site isn't working, or their site will repeatedly request for me to submit a front and back copy of my ID then it rejects it and says it doesn't accept my type of ID. I have telephonically attempted to reach a human customer service agent all last week for over 2 hours at their phone number, but their system is set up AI style and makes it extremely difficult for consumers to reach anyone- the AI routed my call back to the main menu multiple times every time I said that I wanted to unfreeze my credit report. Further, I wrote a letter to Experian and sent it Priority US Mail to their po box and they still haven't responded.

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 2024-08-18 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: NV

Complaint narrative:
Around XXXX or XXXX I was first contacted by phone by XXXX XXXX XXXX, XXXX for a debt related to XXXX XXXX XXXX ambulance services for a date of service of XX/XX/XXXX. The responsible party for the debt has the same date of birth and same last name as I do. We have the same first name but with different spellings and different middle names, and we live in different cities in the same state. I contacted XXXX XXXX XXXX by phone and advised them that I was not the responsible party and had no connection to the responsible party. They reviewed their account and confirmed that the information on file did not match my personal identifying information and promised to send me written documentation that I was not responsible. They never did. On XX/XX/XXXX, I received a letter from XXXX XXXX, again trying to collect for the same debt. I also received phone calls about that debt at the same time. Again, I contacted them via phone, confirmed that my name, address, and SSN do not match the responsible party, told them to stop contacting me and that I considered their repeated attempts to collect the debt from me to be harassment, and to send me written documentation that they will cease contacting me as I am not the responsible party. They did not send such documentation. On XX/XX/XXXX, XXXX XXXX sent another collection notice for this same debt to my address, with my name spelled correctly on the address line but clearly different from the name on the account that was also included on the letter. On XX/XX/XXXX or XXXX my husband received a call from XXXX XXXX requesting to talk to me about the debt. They have confirmed repeatedly that I am not the responsible party, and yet they continue to harass me and now my family members over a debt that is very easily proven to not be my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pay all my payment until I contact them to let them know the car is worth more than the loan so can we sell the car and everyone walk away with everything pay off they come pick car up sell the car and nothing from them until I see I owe them {$11000.00},

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 explanation
Consumer complaint received 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX, which offers XXXX XXXX, posts month after month that a balance is owed on a credit account closed in 2019 ( After it was charged off and sold according to them ) a and now, each time I dispute the info, they validate it within 20-30 minutes without even investigating or looking into correcting the issue. They are violating the FCRA in multiple ways and refusing to correct this or delete this account is a violation.

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 2024-08-18 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: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
On XX/XX/year>, a caller identifying themselves as Goldman Sachs Apple Card hacked into my Goldman Sachs Apple Card digital card on my phone. I thought I had hung up in time, as the caller then called back 21 times to continue the call. The number is XXXX. 

I was then fraudulently charged for four purchases at the Apple Store online for 3 XXXX  purchases at {$540.00} each and an unknown purchase of {$36.00}, on that same date, XX/XX/year>. 

I filed a dispute with Goldman Sachs on that same date, XX/XX/year>, for the four charges, which they reversed temporarily as they investigated. 

On XX/XX/year>, Goldman Sachs removed the charges from my account for the {$36.00}, stating, " Goldman Sachs Bank USA has investigated your transaction dispute, and concluded the merchant charge ( s ) will be removed from your account. '' On XX/XX/year>. regarding the charges of the {$540.00} x XXXX, Goldman Sachs stated, " Goldman Sachs Bank USA has investigated your billing dispute, and concluded the merchant charge ( s ) will remain on your account for the following reason : The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase. '' I then called Goldman Sachs, and they provided that same reason verbally. On XX/XX/year>, I filed a second dispute after receiving a paper bill in the mail for the {$1600.00}. 

Other cards of mine, including debit and visa were also fraudulently charged on and after XX/XX/year>, and all charges reversed. 

Thank you so much for any help you can offer. 

Best, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
equifax, XXXX, XXXX  all three credit bereu show in my credit report bankrupcy i never request bankrupcy at all please i need this to be remove from my credit bereu thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: VA

Complaint narrative:
Transunion continues to report fraudulent activity on my credit report. I have reported fraudulent inquiries on my report and they refuse to remove them even with me sending them the FTC report and the police report. XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX- XX/XX/XXXX I have report them before and they took no action to remove them!!!!

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