vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: PA

Complaint narrative:
I don't recognize this inquiry I never apply for XXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: PA

Complaint narrative:
I don't recognize this inquiry I never apply foXXXX XXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen

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 2023-06-15 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: MO

Complaint narrative:
XXXX XXXX sent a letter to me informing me of this XXXX XXXX open and Acct XX/XX/2021 for amount of XXXX which is false i did not they stated afte conducting a through investigation into this matter we concluded that someone did obtain a loan with our company using XXXX XXXX personal information 's

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 2023-06-15 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: AR

Complaint narrative:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MN

Complaint narrative:
I disputed the debt and asked for validity of the debt and the original creditor on XX/XX/2023 and received a response on XX/XX/2023. I followed up with a letter stating theyre not the the original creditor and theyre debt collectors in violation of 15 usc 1692a ( 4 ) and also send a cease and desist to stop the foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CBC Companies, Inc.
State: MS

Complaint narrative:
i am a victim of identity theft i have attached my documents please see

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX trying to collect a debt belonging to the XXXX debt collector. The debt originally belonged to Commentity Bank who sold it to XXXX.I was contacted by XXXX credit monitoring that XXXX XXXX reported to the Credit Bureau. I contacted both parties and XXXX said the are the owner of the debt. I contacted XXXX XXXX and they hung up the phone. Date XXXX XXXX. The amount owed is {$520.00}. I requested that XXXX send a letter to me with the collection amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Around XX/XX/XXXX we opened aa Credit Account with Community Capital to shop on Appliances Connection Web-Platform. We ordered some appliances which were delivered very late. 
XXXXXXXX XXXX  never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the XXXX have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 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: PA

Complaint narrative:
the employer information is wrong I have been with the same employer since XXXX and never report it. 
someone put realt mark associate this is a wrong reporting information please remove

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 2023-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cliff's Finance Co., Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I went into Cliff 's Check Cashing located at XXXX XXXX XXXX XXXX to cash a {$700.00} check, after waiting for over XXXX minutes I asked " was it a problem '', the young man helping me stated " were just trying to verify the check ''. I waited another XXXX minutes, and by this time I'm upset, I told the young man, if there is a problem cashing the check, give it back, I'll take it somewhere else, he's on the phone the whole time, then he opens his register and hands me $ XXXX.and some change, saying this is what's left after they took {$650.00} because I owed them a debt from XXXX, I told them I have no knowledge of this debt and demanded my money. The manager onsite did nothing to solve this matter, I even asked them to show proof that this debt is mine, which they were unable to do. I was given the number to the District loan manageXXXX XXXX, and when I called him, he all but told me " this is your debt '' I informed XXXX that my Identity had been compromised and I was unaware of this debt, even though I informed him of this he asked that I provide proof of this, I believe if they took my money on the spot, they should prove to me right then something with my signature or my picture I.D, they only provided some faded piece of paper with very little information and misspelled first name. Please help 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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I deposited a check from XXXX XXXX XXXX XXXX via mobile deposit to my credit karma account. After chatting with a representative and calling a supervisor I have been told my funds will not be available until XX/XX/XXXX which is a week after I deposited the check. On credit karmas website it states While deposited checks are generally available in your account the following business day for the first {$220.00} and the business day after that for the remaining balance, there are some exceptions. Several types of checks will be available in full the following business day, rather than only in part. 
Those checks include the following : Checks from the XXXXXXXX XXXX  XXXX orders Checks from the Federal Reserve XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX from state or local governments Cashier 's checks I have attached the information from the website and the correspondence email I received from XXXX a supervisor at credit karma. 

This is false information given to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXXXXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success

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 2023-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
They just closed the following complaint with out doing anything and provided false Information on their response. 

Last Complaint with XXXX Case # : XXXX I called XXXX and checked my transition account and they have no record of me having an account with Capital One so they can no assist me with disputing information I even called the Number by capital one and spoke with a supervisor on why the letter I received was in accurate and pressed why the credit bureaus were not showing I even had an account which they directed me to the credit bures which I explained they have no record of me having an account and their for can not help me since as far as they are concerned I don't have a credit card with capital one or XXXX XXXX XXXX . 

I am fed up with this company not doing anything and providing inaccurate information to the XXXX on their response. 

which the one Credit Bureau that is showing them now was only very recently it started to show on my report through XXXX. 

I have requested my credit reports and would like to add them when received in the mail to share with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Cell phone was paid off in-store on or around XX/XX/2022 .. services were cancelled. Records should show when Id zeroed out the balance. Not sure how any additional fees were accrued. This was result of XXXX XXXX clerical error

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I deposited cash into a ATM machine at XXXX XXXX XXXX that has shared branching with Navy Federal Credit Union. The machine gave me a printed message that it kept my money however it did not show up in my account. I disputed and Navy Federal contacted XXXX XXXX said it did not happen. I have the receipt and screen indicating the machine kept my XXXX. Thereafter Navy Federal withdrew my temporary funds which now has caused my account to go into the negative because of XXXX XXXX lies. THEY GOT CAMERAS AND CLEARLY SEE THE MACHINE DID NOT SPIT OUT ANY MONEY TO ME JUST TOOK DEPOSIT. SOMEONE IS NOT DOING THEY JOB.

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 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
This company is violating the Fair Credit Acct. My account XXXX charged off XXXX of last year. OneMain Financial is still reporting the account as open, and increasing the balance with additional extra and fees when it should be closed, and listed at the amount it charged off. Currently the account is negatively impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, 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:
there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success

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 2023-06-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I started a Business relationship with Navy Federal Credit Union ( " NFCU '' ), in XXXX My goal was to build a good standing relationship and pursue future investment ventures. A conflict arisen between my account and my grandmother 's, XXXX XXXX, and they have ruined both my life and her life. A procedure that typically would be to protect us against fraud, turned in to a nightmare with XXXX tones. We called and spoke to everyone whom NFCU required. Furthermore, we submitted all requested information. In addition to the aforementioned, my grandmother physically drove nearly XXXX hours away to present the requested documents and present ID and nothing was enough. NFCU actually had the audacity to call the police and send them to my grandmother 's home, for a well fair check and it was proven to be unnecessary. Our records with NFCU has hundreds of notes and no one has resolved this issue in nearly XXXX years, to XXXX XXXX we decided to wash our hands with this institution. I have a credit with NFCU with a XXXX dollar balance ; however, I also have an account with NFCU with XXXX or more in the account, which is untouchable due to the aforementioned circumstances. 

I recently learned that NFCU will not allow me to access account funds ; however, they have a policy that allows them to pay themselves toward the XXXX balance. I requested for them to pay the entire balance in a written letter and authorization ; however, they have continued to only pay the minimum and continue to collect late fees and interest fees. This is XXXX poor customer service and robbery. It has created substantial financial hardship and extreme anxiety. 

This matter could have easily been resolved ; however, NFCU, through their lack of transparency, broken systems, lack of accountability and crooked tactics have made this a huge mess. Being that I have never experienced this with another bank, one can not help but to wonder if this is racially motivated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TX

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 2023-06-15 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: OH

Complaint narrative:
I received copy of my credit reports and noticed fraudulent unauthorized accounts have been placed onto my file. At which time I contacted the bureau by phone as well as have submitted certified mail on XX/XX/2023 detailing that I am a victim of identity theft, along with proof of identity ( copy of driver license, and proof of address ) and requested immediate removed/ deletion of the items that I did not authorize including multiple inquires and collection accts XXXX XXXXXXXXXXXX XXXX XXXX XXXX. I called back to the bureau to confirm receipt and to gather update as to when my file would be updated to the correct information to reflect only authorized accounts an inquiries as they are still reporting fraudulently to me and don't actually 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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted several request to update and correct my name and addresses that are on my consumer report. By law nothing should be on my report without that is incorrect or approved be me the consumer. My name is XXXX XXXX XXXX no other name or names should be on my credit profile as they are not correct. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX no other addresses or previous addresses as they are incorrect should be on credit profile. It's the duty of these consumer reporting agencies to provide accurate and exact information with the consumer consent as all this information is my personal information. Please update with XXXX name and XXXX address.

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 2023-06-15 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fraud at an auto shop ended in catastrophic damage. XXXX would not adjust the charges. Location is XXXX # XXXX XXXX in the amount of {$740.00}. XXXX contents that the issue was not resolved with in XXXX XXXX but after having worked with the vendor to seek indemnification XXXX XXXX passed before asking XXXX  to help. Could you help as the damages they caused to the car are severe. 
Thanks XXXX

Company response to consumer: Closed with explanation