vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below are erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00} XXXX / XXXX / {$0.00}

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I received a letter from American Collections Enterprise ( ACEI ) stating I owed a debt. I contacted them to find out why and alleged date of service. I found out they had a medical bill for a date of service I had insurance for, again. I explained to them I had contacted the original creditor and they were to bill my health insurance and that I never received written communication regarding the debt from the original creditors or that it was going into Collections. I spoke with a XXXX XXXX who transferred me to her " supervisor ''. I was requesting the debt to be sent back to the original creditor so they can bill my health insurance because this is the 3rd time I've had to do this because of this creditor, XXXX XXXX XXXX XXXX XXXX not doing the appropriate thing. He refused to provide me his name and hung up on me. I called back and requested his name from XXXX XXXX who attempted to transfer me back to the original " supervisor '' after requesting to speak to his higher up due to his rude and aggressive behavior towards me because I told him I was just going to file a complaint, he responded with, " So you'll write a complaint about our company but you won't dispute to us in writing? '' Before hanging up the phone on me. I attempted to contact the company back and my calls were screened and they would not answer. Low and behold I called from a different number and they picked up the phone. Extremely unprofessional and aggressive.

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 2022-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00}

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 2022-03-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Refuse : UnauthorizedTransaction : Perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Refuse : UnauthorizedTransaction : Perjury.

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 2022-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below are erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00}

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 explanation
Consumer complaint received 2022-03-28 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: CA

Complaint narrative:
I am reaching out because there was a XXXX XXXX XXXX account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit

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 2022-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out because there was a XXXX XXXX XXXX  account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Attachment to complaint XXXX XXXX XXXX # XXXX XXXX We made complaint, PHH AND OCWEN Have not sent our {$8900.00} each month from XXXX until now XX/XX/2022 the letter claim they still investigating send over document we have sent over XXXX e-mail with loaded document or of contract of receipts evidence of repair and picture, it was not insurance who paid claim we contracted the work to be done sent checks to PHH with know XXXX and they claim they were sending release check for {$710.00} they sold property for more than we owe, we have tired communication with phh - send XXXX e-mail and document through XXXX. we have call we sent everything they need get the run around, all we need is our funds, the pictures have shown that work was done insurance company receive the same, but XXXX above name continues asking for what we have sent already.this is unfair her we in 3 month they have sent letter of same, we gave everything they ask for, the letters they send we will review issues raised with the goal of response by XXXX there is letter for XX/XX/2022 /we have call never know answer. send you to another person in XXXX, this is discrimination we XXXX our age we treated unfair.

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 2022-03-28 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: PA

Complaint narrative:
Auto loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for Optional GAP contract by dealer. This was not my error and Gap coverage was selected and should have covered the difference and therefore no remaining balance was dueXXXX XXXX and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.

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 2022-03-28 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX  XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : NAVIENT - Account XXXX Creditor : navient - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the Navient loan forgave I am a XXXX veterans please give me a call at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks

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 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
This complaint is about Navy Federal Credit Union and it's lack of willingness to assist it's military family members correctly. I'm a senior with multiple health issues and was just released from the XXXXl for XXXX and is XXXX XXXX and XXXX. As a favor to me my sister is a caretaker for our family she deposited money into my NFCU account but the deposit and transaction didn't complete the location of NFCU is solely an ATM location the ATM machine didn't process my deposit and show that it went into my account. It was a drive thru ATM in the outside. So it didn't return my money either it says for us to contact NFCU this location also has a inside ATMs so she goes inside to try and get my money back but the ATM wouldn't return my money. I immediately contacted NFCU to file a claim and told them what happened. NFCU did an investigation and then credited my account for {$450.00} dollars. But the weeks later unknown to me they overdrew my account saying I owe them the {$450.00} back to NFCU my own money. They're claiming they didn't find any money. No letter no phone call nothing and they also took a small check that was deposited from my part job that sends a check via direct deposit. Leaving my checking account overdrawn {$320.00} claiming I owe NFCU money. But one fraud prevention agent suggested that NFCU may have looked at the wrong ATM machine but I requested another appeal this my own money that they're coming after me for all because the investigation was not conducted properly this NFCU ATM location has ATMs drive thru where my money originally was deposited but not processed into my account and they have inside ATMs my money is there. But now these people are treating like I'm a criminal and I'm XXXX XXXX just having been XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MO

Complaint narrative:
IQ Data has ignored multiple requests for records concerning an alleged debt they are attempting to collect from XXXX for their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting this derogatory account on my credit report and have verified it with the credit bureaus even after I submitted a dispute. there is no verification for this account. Federal law requires that it be immediately removed and blocked from reinsertion. IQ Data continues to violate the FCRA and FDCPA .They need to be held accountable. l am incurring damages as a direct result of their illegal business practices. I have done my due diligence to rectify it. I may need to pursue legal action if this matter is not resolved now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I booked a Hawaii flight early XX/XX/2022 and while in the reservation, XXXX XXXX XXXX offer came up, if you apply for the card while buying the ticket, {$300.00} would be taken off the price of the ticket. I applied but the application needed underwriter approval so it did not give an immediate approval. Had to book the flight in the meantime and paid with my own card. A few days later I checked the application status and showed I was approved. I called XXXXXXXX XXXX and Barclays and explained what happened at the time of application to see if they can switch the card so I can get the credit. XXXX XXXX said they can't do it but to call Barclays, they should be able to. Barclays said XXXX XXXX should do it so I was transferred a total of XXXX times between departments with nobody being able to help. I finally was transferred to the XXXX department at Barclays and explained the situation yet again and the person stated Barclays could not make the switch to get the credit as advertised by their application. At that time frustrated, I asked the person to cancel the card all together since it was only a few days after I applied. 
I flew to HI mid XXXX and on the flight, the flight attendant had a Hawaiian application that offered XXXX miles after any first purchase, different offer than the {$300.00} credit. Filled out the app and mailed it on XX/XX/2022. Today I called XXXX to see status and found out I was declined because I voluntarily cancelled the first card since I was told I could not get the {$300.00} credit. They have also stated I can not apply again for XXXX months. 
In today 's conversation, Barclays employee XXXX id XXXX stated that the first {$300.00} credit would have been applied to my first statement. That was never communicated to me when I spoke with XXXX XXXX department person that cancelled my card. Today, XXXX stated he asked for a resolution from his supervisor XXXX id XXXX and he stated there isn't one.

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 2022-03-28 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: PA

Complaint narrative:
I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX and the furnishing of recent hard inquires on my consumer credit file ( The term consumer means an individual ). File number- XXXX I spoke with a representative on XX/XX/XXXX who told me to follow up with these unauthorize inquires and I did on XXXX XXXXWhich has thus far cause me significant XXXX XXXX, and stress, effecting my day to day responsibilities. The Transunion representative proceeded to give me inaccurate information about the reporting on my credit file. For example, she proceeded to tell me an inquiry- is a factual data reported by a creditor. Fact is I'm the one and only original creditor of my credit file and a inquiry is- a request for information. I have been violated, I have express my concerns with Transunion about the hard inquires and they have been willfully noncompliance. Transunion have violated me as a consumer, by furnishing these inquiries. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Furthermore, the hard inquires from Transunion has made violation of federal law 15 USC 1681a ( 2 ) ( A ) ( i ) the term " consumer report '' can not be containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As a consumer and per 15 USC 1681 ( a ) ( 4 ) Transunion is to respect my rights to privacy, and have violated my rights by allowing these hard inquires to be furnished on my consumer 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on XXXX do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.

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 2022-03-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a secured credit union with Naval federal credit union and I closed the account and the XXXX dollars that I put up against it was not returned to me and they have not furnish the proof to me that it was and I contacted them and they are doing nothing about it and I drove over one hour to the branch and I was told there that they dont see were it was returned to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$170000.00}

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