vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FC HoldCo LLC
State: IL

Complaint narrative:
XXXX  has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX  has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter and Warfield purposely sent collection letter to my old address ( address landlord is collecting on ) instead of new address even though it is listed in my paper work from landlord I never received initial collection letter to dispute Hunter Warfield illegally place this account on my credit without giving me the fair right to dispute this account causing it to harm my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
experian has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Entrata Inc.
State: KY

Complaint narrative:
I have two evictions on my rental report that are false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. These inaccurate evictions i do believe were on or around the years XXXX and XXXX. I never went to court for these false evictions and i never was forced to move from the addresses the evictions were filed on. These inaccurate rental reports are illegal and need to be resolved immediately or i will be forced to take legal action against these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Reporting balanced that were not paid on the account after settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Victim of identity credit card fraud. 

XXXX  XXXX is reporting I am 30 days late, I am not late.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Victim of identity credit card fraud. 

XXXX  XXXX is reporting I am 30 days late, I am not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Victim of identity credit card fraud. 

XXXX  XXXX is reporting I am 30 days late, I am not late.

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 2024-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX was paid {$9700.00} by State of Georgia rental assistance covering rent from XXXX XXXX. I moved from the home managed by XXXX on XXXX 2022. I have called XXXX several times inquiring about said funds and the continue to say they never received the funds. I received verbal and written confirmation from the caseworker at GA dept of Consumer Affairs that said funds were indeed sent to XXXX XXXX. Since the XXXX has sold my account to National Credit Systems with a balance of {$8400.00} and this information is now listed as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I received an email from XXXX XXXX, XXXX indicating that I had applied for a credit card. I also received a notice from XXXX XXXX that there was a hard inquiry on my credit report which matched the inquiry from XXXX. I did not submit a credit card application and believe this will be fraud on my account. 

On XX/XX/year> I received an email from capital one indicating that I had applied for a credit card. This did not appear as as a hard inquiry on XXXX XXXX, so I did not look into it further, but realize that this may be connected to fraud as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2024 called XXXX XXXX  again, XXXX XXXX  stated we don't handle your account anymore, I then said, you already transferred me to XXXX XXXX last week, they then transferred me to XXXX XXXX, who stated they not collecting debt also. 
XXXX XXXX stated fax Email to her ( XXXX XXXX ), FAX # XXXX FILE # XXXX ATTN : XXXX SHE WILL VERIFY EMAIL ADDRESS AND PROCESS WITH XXXX XXXX  TO START DELETIONS PROCESS!

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 2024-02-16 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-16 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 non-monetary relief
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 non-monetary relief
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
We have an interest bearing savings account with Wells Fargo. We were contacted by a banker with Wells Fargo on XXXX XXXX who stated we were eligible for a rate of 4.5 % on our entire savings account if we deposited {$10000.00} of new money into our existing savings account within 30 days. I met with banker in person on XX/XX/XXXX who electronically submitted the information and access code to obtain the new rate. On XX/XX/XXXX, I made a deposit in excess of the required {$10000.00}, well within the 30 day requirement. I spoke with banker additionally on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding why the 4.5 % interest had not been applied. I then spoke with the branch manager on XX/XX/XXXX and XXXX. Each time, I was told I had done everything I needed to do but they were unable to tell me why the rate had not been applied or when/if it would be applied. They were investigating.

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
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I requested a refund of my student loan payments made during the COVID forbearance to Mohela on XX/XX/year> at XXXX. I was issued a partial refund of my payments. However, I never received the amount of the payments I made to XXXX which was my previous servicer before my loan was transferred to Mohela. 

In the meantime, my loan balance has been restored but I have not received the remaining refund. I made multiple attempts in writing to Mohela seeking a status update and I received a form email response which was nonresponsive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Account name Account number Original creditor Company sold Account type Date opened Status Status updated ONLINE INFORMATION SER XXXX XXXX XXXX  XXXX  - Collection XXXX XXXX XXXX  Creditor can not locate individual. {$1900.00} past due as of XX/XX/XXXX. XX/XX/XXXX Account name Account number Original creditor Company sold Account type Date opened Status Status updated XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  Collection account. {$500.00} past due as of XX/XX/XXXX. XX/XX/XXXX Account name Account number Original creditor Company sold Account type Date opened Status Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XX/XX/XXXX Collection account. {$2900.00} past due as of XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Under penalty of perjury, I swear this account is false and misleading Inaccurate reporting have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative to ensure that consumer reporting agencies fulfill their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. XXXX and XXXX are recognized as consumer reporting agencies, and I, as the consumer, possess the inherent right to safeguard my private information, as supported by Section 6801 of Title 15 of the United States Code, which stipulates the Congress 's policy regarding financial institutions ' obligation to uphold customer privacy and confidentiality.

Under Section 604 ( a ) ( 2 ) of Title 15 USC 1681, a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the concerned consumer, thereby requiring explicit consent. Neither the financial institution ( referred to as " Furnisher of information to credit agencies '' ) nor the consumer reporting agencies, XXXX and XXXX, possess my consent to furnish my information, nor do they have my written authorization. 

Furthermore, Section 6802 ( b ) ( c ) emphasizes that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer an explanation of how they can exercise their right to nondisclosure. In this case, the financial institution failed to inform me of my nondisclosure option, as required by law.

Additionally, Section 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, unless authorized under subsection ( b ). The adverse item being reported without my consent violates this provision.

Moreover, Section 1681s2 ( A ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, while Section 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to permissible purposes. 

XXXX and XXXX 's actions indicate a failure to uphold reasonable procedures as required by law. Additionally, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of all credit reporting services, including but not limited to 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 explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-02-16 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: WA

Complaint narrative:
On the XXXX of XX/XX/2023, I saw an unknown transaction in the amount of {$1100.00} from a company doing business as XXXX. At the same time, I also noticed this amount was charged to my XXXX account and XXXX checking account. I immediately disputed this transaction with all 3, receiving immediate support and mitigation in my favor from XXXX and XXXX. With the Apple Card, doing business as Goldman Sachs, I havent received any mitigation aside from a temporary credit that is due to expire within the next few days. I cancelled my card immediately upon realizing that the fraudulent charge existed, but aside from that and registering the dispute I really dont know what else to do. 

I reopened the dispute when they reversed the temporary credit. I disagree with their findings that the transaction was valid as it was not, and have now engaged the legal team provided by the company I work for to challenge this in court if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: LA

Complaint narrative:
I have a loan with Loanme that I pay {$740.00} that was paid on XX/XX/year>. Then, on XX/XX/year> immediately after that transaction Loanme drafted another transaction from my account in the amount of {$940.00}, which I did not owe and on my bank account it clearly states this payment is for XXXX XXXX, of which I do not know and I am not responsible for. I have tried to contact Loanme since Monday XX/XX/year>. I finally sent an email on Tuesday, of which no one responded. I then tried calling again on Wednesday XX/XX/year> and spoke with XXXX XXXX. She requested that I send bank records showing the transaction which I did immediately on XX/XX/year> around XXXX. I heard nothing after that. I called back the next day XXXX  XX/XX/year> and they stated that my bank record showed a negative balance after the transaction so therefore they could not refund the money they stole from my account for someone else 's loan. My bank records DID NOT SHOW a negative balance after the transaction. I sent the records again, highlighting the POSITIVE balance on XX/XX/year> and they will not respond to my emails or answer my calls. I need my {$940.00} back. THIS MONEY WAS STOLEN FROM ME!

Company response to consumer: Untimely response
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage is attempting to extort me out of XXXX dollars to pay a XXXX dollar home isurance. They want XXXX dollars for escrow and they want me to pay XXXX dollars over next year. I have 10 months left on a 5 year XXXX  XXXX bankruptcy. In that time, I have never missed a payment with Freedom. Yesterday, I received a letter from them informing me that they will foreclose on my property. 
I called and they told me that I should just disregard this. I will not do business with a company that has so llittle regard for their customers. When you call their customer service department, they promise to help with issues, but in fact they tell you what they think you want to hear. They are a predatory agency. Freedom mortgage is attempting to raise my mortgage from XXXX a month to XXXX monthly. 
I have never missed a payment and always have my payment there within the grace period. This company need to be punished to the greatest extent of the law.

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