vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: GA

Complaint narrative:
I HAVE SENT SEVERAL LETTERS SINCE 2022 FOR INQURIES THAT ARE ON MY CREDIT REPORT FROM TRANSUNION. AND ALSO THIS YEAR FOR COMPASS LEASE XXXX, XXXX XXXX XXXX XXXX XXXX .I HAVE YET TO GET A RESPONSE .THIS HAS COSTED A GREAT DEAL OF STRESS IN MY LIFE, AS WELL AS A HINDERANCE TO MY LIVELYHOOD. I HAVE BEEN TRYING TO BUY A HOME. I HAVE LOST JOB OPPORTUNIES AND MUCH MORE. THIS IS A DEFLAMATION OF MY CHARACTER AND AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XX/XX/XXXXAccount # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from XXXX Mail for 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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Dear Navy Federal, I hope this message finds you well. I am writing to address a concern regarding my account, as I believe there may have been an error on your end. Last year, I initiated a pledge loan for {$30000.00}, and at the time, the funds were present in my checking account. However, I have since noticed that the {$30000.00} has been debited from my account, and the pledge loan has been removed. 

According to your records, I now purportedly owe {$13000.00} to settle this debt. Given that I frequently engage in substantial financial transactions, including trading in cryptocurrency and stocks, I possess a documented history of such activity. I am uncertain as to the origin of this discrepancy. 

I am kindly requesting a comprehensive investigation into my account pertaining to the missing {$30000.00}. Should this matter not be resolved in a timely manner, I may regrettably be compelled to pursue legal action against Navy Federal in order to reclaim the funds owed to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Equifax credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Account Balance : {$33000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: FL

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 explanation
Consumer complaint received 2023-10-07 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-06 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: AK

Complaint narrative:
Capital one has decided to stop excepting debit cards for payment and has not notified any of the customers. This is creating an extreme hardship for me as I am in the process of moving and do not have access to my banking details other than my card that I pay with every month. I am now unable to pay capital one because I dont have all my banking details handy right now. This makes me look bad and affects my credit score because they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-10-06 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: NJ

Complaint narrative:
I found inquiries on my credit report that do 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 non-monetary relief
Consumer complaint received 2023-10-07 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
Cardinal Financial Company was my mortgage company for 2 years, from XX/XX/XXXX to XX/XX/XXXX, during this time I was never late. Beginning in XXXX or XXXX my pay date changed to once a month so I had to adjust to making my payments day at the end of the month. I admit was a challenge but I managed to make my payments within the month it was due Cardinal never marked me late as long as it was made by the last day of the month, however to my surprise on XX/XX/XXXX, I went online to make my payment it reXXXX XXXX XXXXransferred on XX/XX/XXXX and I could not make my payment online but it was a note to call. so I did and my payment was accepted through auto-phone pay got a confirmation # and days later it was deducted from my bank account. .Now Cardinal is stating my payment was not received until the 5th and my payment was late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: AZ

Complaint narrative:
These people were my pastors and when they got kicked out of the home they were renting and I told them to come and move in with me until they find another home to go to. They did move in and asked me to sign some papers saying it will help the pastors wife to build credit. Since I trusted I signed believing I was helping the family and did not question what it was due to our trust. It turns out that the document I signed was a quit-claim deed removing my name the title of my home. My name is still currently on the loan. One day, the pastor told me the house is not mine that I needed to leave my own home. He called his friend, a police officer, to tell me that the property is the pastors and I was escorted from my own property. The officer did not file any report that was given to me. On XXXX of XXXX I checked my credit and I saw they were not doing any payments for 8 months and I called the mortgage company and they told me the loan modification was approved. I had no part in the loan modification. I did not submit any loan documents and never signed anything. I asked for the copys of the papers that were submitted and they said it was there were no documents submitted, everything was done through a phone call. To obtain the recording, I was told that I need an attorney to request it. They impersonated me to do the loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-07 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: MI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ATG Credit, LLC
State: CA

Complaint narrative:
ATG Credit called and sent me a letter, to purport I owed {$3800.00} for XXXX XXXX XXXX XXXX  ( which is a lie and also totally preposterous ) of a made up initial debt of {$4000.00} from XX/XX/2018. The Doctors office is XXXX XXXX XXXX ( XXXX ) XXXX I had paid at the time of the test and then my health insurance paid another {$37.00} I NEVER got even one bill from XXXX XXXX in this time, almost 6 years ago. Not one phone call either until a call in XXXX where she tried to get me to make a payment. I never ever heard about this until this phone call.I called XXXX XXXX XXXX  office and they were also shocked. They told me XXXX XXXX has gone bankrupt. 

This is some sort of bizarre collection around the bankruptcy and acquisitions of many failing companies buying each other in a legal mess and making up false charges to try and collect as much as they can from people who don't owe anything from a long long long time ago. You can read about it online. 

It is obviously made up and the most bizarre thing I have ever experienced. Ive had a lot of XXXX XXXX over many decades and no XXXX XXXX XXXX ever costs {$4000.00}! Ive never seen any XXXX XXXX ever cost even as much as {$500.00}. This is common knowledge and common sense. AND Any actual medical bill is sent to the patient to pay a month later, not 6 years later, and it's also not conflated to be ten times what it actually costs. 

I also have never ever had a bill in my life go to collections. I pay all bills that are received and also real. 

So unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MN

Complaint narrative:
We are unhappy with the timely resolution of XXXX fraudulently altered checks against our checking account by XXXX XXXX. The first check for {$1400.00} was to the MN Department XXXX XXXX ( payee altered ) and the second check was originally for {$88.00} but the payee and dollar amount were altered to {$8800.00}. As a result, we, as an elderly couple are currently out over {$10000.00}. XXXX XXXX  has all the facts and documentation but continues to drag their feet in paying us our money. Details surrounding each check and our interaction with XXXX XXXX  ( XXXX XXXX XXXX ) and the XXXX XXXX Police Department are below. Highlights include : - We notified XXXX XXXX  of each fraudulently altered check with no follow-up by the bank. No funds still have been received to date even though repeatedly the Bank has indicated we should be receiving the funds shortly. 
- XXXX XXXX  has been aware of checks deposited within the XXXX XXXX XXXX XXXX being altered since XXXX of 2023. 
- The XXXX XXXX Police Department has a full-time detective researching these claims so it is obvious all key parties are aware of the fraud being perpetrated against our community. 
- XXXX Bank was the XXXX  XXXX XXXX XXXX of these checks so we are not clear on what is left to research in order to return our funds especially considered all other facts and their admission to us that it is clear these checks have been altered. 

Fines and penalties are mounting from the MN Department XXXX XXXX and the loss of {$10000.00} is putting a strain on our financial situation as we are on a fixed budget. We understand a provisional credit is not required by the regulations, but how can XXXX XXXX  deny our request as an elderly couple for temporary credit of funds based on all the facts of this fraud?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX After reviewing my consumer report i found some errors and false information on it. 

I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand that the following addresses in my credit report be removed : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX I demand to also remove this employer do to the fact I do not work for them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX PHONE : ( XXXX ) XXXX I also ask my employer is updated. I have enclosed the required copy of my drivers license with this address verifying that my legal residence is the XXXX listed here. 
Due to concerns for identity theft please delete all invalid addresses and employers. 

Thank you for correcting my consumer report. 

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 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A Credit Card and line of credit has been opened in my name thorough Chase Bank, a XXXX XXXX card. Upon spending countless hours trying to close it and determine why it was opened, how, and when. I am not being able to cancel or even get a person that can speak to me.

Company response to consumer: Closed with non-monetary relief