vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The XXXX account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my XXXX account. They don't have physical locations in XXXX so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.

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 2022-05-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The XXXX  account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my XXXX account. They don't have physical locations in XXXX so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( XXXX XXXXXXXX ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( Account XXXX ) XXXX  {$1400.00} ( Account XXXX ) XXXX XXXX XXXX {$560.00} ( Account XXXX ) XXXX XXXX XXXX  {$750.00} ( Account XXXX ) XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} ( Account XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, has violated my rights. 

1

5 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

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 2022-05-18 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: AL

Complaint narrative:
EXPERIAN, XXXX XXXX XXXX AND XXXX XXXX are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great XXXX and XXXX  to were I may need to be seek XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
XXXX, XXXX XXXX XXXX AND XXXX XXXX are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great XXXX and XXXX  to were I may need to be seek XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: MD

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX, Account # 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 Also hard inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX & XXXX XXXX  All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and many other times I have disputed this information because the inquiries on my credit reports are fraudulent and were not made by me. I am a XXXX veteran and I have not tried to buy a vehicle since XXXX. I did not try to buy a vehicle in XXXX or XXXX nor XXXX! Nor have I applied for any credit! 

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXXXX/XX/XXXX I have contacted these companies individually and they keep redirecting me to the credit bureaus and the credit bureaus wont even investigated it!

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNVFUNDG is a Fraudulent account. I was a victim of identity theft. account # XXXX. I don't have any information because i don't know who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid my old macys credit card in the beginning of may they made all these excuses not pay my credit balance refund I finally called about it and they say I have to wait or keep transferring me to Citi bank who says they owe me the money and legally have to get me my check mailed within 7 days of my request they cancelled it when I payed off do I cant use they wrote me emails saying they are sending my refund in the mail and also sending me electronic gift card at my request they have to send me all mom money they have had its all this time when finally they said they mailed it they then say its linger I have to wait I dont they have had wrll over days to my payments to post or not they owe me {$14000.00} on one and {$5000.00} its so much money theyve had way too long I want all my money sent to me in the mail as they. Wrote to me on XX/XX/XXXX that it would be mailed and I would have within 17 days and I dont have my checks I want all my money today please have it mailed like they told me they were

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 2022-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I know that no valid direct verified contracts exist with me and another party by XXXX XXXX XXXX, I know that any attempt to collect a debt is actually alleged indirect action, I did not give consent to benefit from or utilize my authorized credit. as per 15 USC 1602g,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: WV

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 2022-05-18 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: AMERICA FIRST FEDERAL CREDIT UNION
State: GA

Complaint narrative:
America First Credit Union has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The AFCU account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my chase account. They don't have physical locations in Georgia so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit percentage has not been updated currently. I had the same credit score for almost two months with no updated account information. I paid off all collections accounts in full within the 2 year agreement. Over 100 points was taken and promised to be put back on my credit report by creditors if I paid within the time. All my credit accounts are paid below XXXX percentage. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Experian, XXXX is not updated my credit score. My perception is that I am being discriminated against because I am Women over 40. This is hindering me from getting any future credit cards, loans, to purchase a home etc. if I were to use any accounts they would decrease my score in minutes.

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I was previously notified by Portfolio Recovery Associates stating I owed a debt through them. I wrote in response to Portfolio a verification request of the debt and I received old credit card statements ( did not receive all information I requested to validate the debt ). I responded with another letter on XX/XX/XXXX stating information sent to me was not validation, Portfolio recovery Associates was in violation of the Fair Debt Collection Practices Act and I be sue. On XX/XX/XXXX I also sent a cease and desist letter to STOP ANY and ALL COMMUNICATION from Portfolio to yet receive two more letters from them dated XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery Associates are in violation of the FDCPA 15 USC 1692 for failure to validate debt and stop communication as requested. All correspondence I sent to Portfolio Recovery Associates were sent via certified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have been trying to resolve an American Express problem since XX/XX/2022. I have been denied a months worth of points that should have been transferred to my XXXX XXXX  account. Numerous phone call have been made to American Express. Many case ID numbers have been given to me. Once a supervisor even promised to call me on XX/XX/XXXX and I stayed home all day so as not to miss his call with his praise of resolution. He never called. Today, XX/XX/XXXX I called again and was told now that resolution would not happen until XX/XX/XXXX. I have lost all faith in American Express because of these tactics. I have no way of knowing or finding out if they are telling me the truth. I am very upset that a supervisor promises to call and never does. How disgusting! American Express sent just XXXX points for one statement in which I earned many more points. They are blaming this on an internal transfer problem. Who am I to believe? This is poor customer service!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
There's a person that works for XXXX that keeps hacking my account transferring money that doesn't belong to them and his name is XXXX XXXX bonds and a couple more people as well please help me figure out and stop this person he's a crazy ex boyfriend

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
After depositing 5 checks into the Navy Federal Credit Union Accounts... 

1 XXXX 2 XXXX 3 XXXX 4 XXXX 5 XXXX The bank is totally mislead... 

My retirement from XXXX is due to deposit on XX/XX/22 Is pending and the Navy Federal Credit Union replied that... Some guy... ( who doesn't exist will continue the access of my online account ant my access via my dell.. 

If your office can apply necessary action... reconnect the account with my XXXX XXXX account... 

Your proffessionalism would be greatly appreciated...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and many other times I have disputed this information because the inquiries on my credit reports are fraudulent and were not made by me. I am a XXXX veteran  and I have not tried to buy a vehicle since XXXX. I did not try to buy a vehicle in XXXX or XXXX nor XXXX! Nor have I applied for any credit! 

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 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 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 XXXXXX/XX/XXXX I have contacted these companies individually and they keep redirecting me to the credit bureaus and the credit bureaus wont even investigated it!

Company response to consumer: Closed with explanation