vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union locked my account on XX/XX/2023. By the time I was made aware the department was closed. I called today on XX/XX/2023. They claimed a {$950.00} payment was fraudulent and that I am now responsible for that money that was withdrawn out of my account. Further they locked my account access and are not allowing me to login or make payments through the mobile app. I have spoken with the sender of the funds and they are saying they did not report any transaction as fraud. This was told to the representative whose name is XXXX. If you listen to the phone conversation dialed from XXXX you will see that the representative claimed the transaction was reported as fraud. The sender has a sworn and signed statement claiming the payment was authorized. This proves the representative lied. 
CFPB Orders Navy Federal Credit Union to Pay {$28.00} XXXX for Improper Debt Collection Actions They have used similar tactics as described in this previous claim. I think that Navy Federal unfairly and illegally removed access and blocked my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB Complaint ID XXXX was submitted to XXXX XXXX who immediately responded stating they requested removal of the collection tradeline on XX/XX/2023. 

As of XX/XX/2023, the invalid tradeline has not been removed and accordingly causing personal damage. 

TransUnion has blocked my ability to pull my credit report due to an investigation that will be immediately resolved once the collection tradeline is removed at requested by the collection agency. At my own personal expense of around {$30.00}, I had to use XXXX XXXX to view my, supposedly free, TransUnion report. 

Current investigation with TransUnion is Complaint ID 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 2023-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
The company is called One Main Financial, It was in XXXX when i applied for it, it is a unsecured loan. I went through two traumatic experiences last summer and it has affected me to repay these loans. 
Account Number Ending XXXX Dear XXXX XXXX : This is a reminder that your payment of {$2400.00} is due on XX/XX/XXXX. If you have not yet made arrangements, please consider using one of our convenient payment options : Call us at XXXX to schedule a check by phone Web Payment option by visiting us at : XXXXpayment Mail your payment to : OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Standard hours of operation are XXXXXXXX XXXX XXXX XXXX XXXX ET with extended office hours in some locations. 

Thank you in advance for your prompt payment. 

Sincerely, OneMain Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was notified through XXXX that there was a credit alert on my account. The alert said that XXXX  was trying to reach me and was unsuccessful. My email and phone number have not changed in well over 10 years and I have lived at the same address for nearly 7 years. I immediately logged in to my XXXX  account and could clearly see that my contact information had not changed. I reached out to XXXX  via their online chat and I was told by the agent that my contact information had " inadvertently been removed '' and that I would need to contact XXXX  by telephone. I explained that I was looking at my contact information on the XXXX  wesbite and that it had not changed and was not removed. The agent told me that there was no contact information on their end, despite me receiving monthly statements by mail regularly. I filed a dispute through Experian which resulted in " the information you disputed has been verified as accurate ' when in fact the information is not accurate. My contact information never changed and if XXXX  was unable to locate my contact information, it was through no one 's fault but their own. I have attached the chat log in which the agent admits that the problem with the missing contact information was in fact the fault of 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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have always made timely payments and never missed a payment. This mistake is causing me significant stress and anxiety, and it is affecting my ability to sleep properly. I kindly request that you update my account as soon as possible to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
I Have Never Signed a HIPAA Release Form For This Company Dynamic Recovery solutions HIPAA Laws Protect My Personal Information From Being Used without My Consent and I am aware of these Practices your Doing Clearly HIPAA Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My info was shared, as well as accounts fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX I had several inquiries on my credit report that does not belong there. I have no idea where they come from or who they belong to who do not belong to me. I have tried several times to negotiate and talk to a representative displaying I have nothing to do with these Accounts are in accurate information reporting on my credit report accounts as following listed below 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 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604 A. 2 : its also states, a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information, or the records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable calls to believe that the information is an accurate The credit bureau keeps disrespecting the law.

Ive shown them multiple times of how they are violating the fair credit reporting ACT.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, has violated my rights.

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 seven 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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

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 seven 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 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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
This is in response to their response. Which was they are researching and will advise as soon as possible. Which is what they told me almost 4 months ago. In the mean time I am still required to pay higher payment. I feel like this is their response to keep delaying it. It doesnt take 4 months to come up with an answer

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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Failed several attempts to rectify this issue, finally last week I got statements of Apple. 

Was able to dispute some charges, unable to make a payment a mail in payment was made to Apple. Two times and as of today they have not, yet credit me and they keep on reporting me. 

Their promises to fix this issue are null.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX Re : Capital One Fraudulent Actions XXXX XXXX XXXX XXXX Products XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Acct # XXXX XXXX XXXX XXXX In XXXX of this year, I received a letter ( see attached ) from Capital One stating that according to federal law they needed additional information to prove my identity. As per the instructions, I faxed the completed form along with copies of my drivers license and passport. After a couple of weeks with no response from them, I phoned and asked the status of the review. After being placed on hold for a long time, I was told that the copies of my license and passport were not clear enough and that I needed to re-send them. So, thinking that the process of making copies and then faxing them XXXX have degraded the images, I printed copies and mailed them. After no response for several weeks, I called and asked the status. Again, I was placed on hold for a long time and then was told that the copies I mailed were not clear enough. Next, I mailed enlarged copies and verified that everything was legible. After several weeks and no response from Capital I called again. This time I was told the account was closed. 
Other than the letter I received in XXXX, I have not received any communications from Capital One regarding the status of my credit card account. I have an XXXX credit score. I pay my bills on time. There is no other reason for them to close my account other than to take my {$950.00} credit balance and my XXXX points that I earned. This whole scenario smacks of fraud. It is obvious that closing my account and keeping my points creates much quicker profit for them. Capital One can run their business any way they choose, and if they want to close my account, no problem. They should not be allowed to steal my money and earned points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an account being reported from XXXX XXXX XXXX with account # XXXX date opened XX/XX/2019 closed with XXXX balance. Please delete this from my name it does not belong to 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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Sold our house, relocating for job from XXXX to XXXX and applying for rentals. One rental utilizes TransUnion 's service. I had my identity stolen and have whatever service the 3 credit bureau 's put on your account. I was asked to confirm my identity, but failed online and over the phone with TransUnion. Waited on hold over 6hrs for ID verification. Was put in touch with someone who spoke broken XXXX, asked to speak to someone who spoke fluent XXXX, only to get put back into original cue at start. They stated to go to annualcreditreport.com to get free credit report. I was able to get ID verified and reports for XXXX and XXXX, but again kicked out by TransUnion. For help TransUnion sends you to a XXXX page that is littered with similar issues and a rating of 1.4. How is it that a company like this is allowed to be in control of such sensitive, critical and important information that holds our financial lives at stake. I move in less than 2 weeks, have no place to live and I'm sure this won't be settled in a timeframe that will help. I have no idea what to do at this point Please help.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX Balance : {$930.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX Balance : {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX A : XXXX, XXXX OF XXXX : XXXX, has violated my rights. 

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 seven 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 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  : XXXX,, has violated my rights. 

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 seven 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 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