vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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: MI

Complaint narrative:
I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The XXXX collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The one collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. Transunion has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. XXXX and XXXX have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the XXXX XXXX XXXX ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
2 Different agencies are collecting a debt that I have no knowledge of. Both agencies are stating they are medical debt from XXXX XXXX XXXX from date XX/XX/2017. I have no knowledge of this debt. Additionally, this is past Ohios 6 year statute of limitations. I have disputed with both collections agencies and they are both still being reported to the credit bureaus. I have not received any documentation of this debt from either agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
n accordance with the Fair Credit Reporting act Capital One Savor One 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 They violated my right by collected on the fraudulent account. They turn around and sue me for the amount of XXXX they say it was not fraudulent I was work with new debt consolidation company they trun down they say that account was fraudulent then I can't duplicate becuse credit bureau block it because capital one doing. I feel like my right been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: CA

Complaint narrative:
I signed a contract with XXXX  for fiber internet, they added a portability clause which stated if we moved after paying for service for a year and gave 3 months notice, theyd install fiber in our new location. Internet was paid for over a year, sufficient notice was given and XXXX refused to install fiber to provide services as outlined in the contract, stating it was too expensive to install fiber. XXXX  still has been trying to collect this debt and is now harassing my dental office, leaving several messages on media intended for patient communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My Capital One Statement date is for XX/XX/XXXX thru XX/XX/2023 ; with the due date of XX/XX/2023 also the statement dated for XX/XX/XXXX thru XX/XX/2023 with the due date of XXXX XXXX. 
I made a payment to the comapany on XXXX XXXX which left a balance of {$770.00}. When the XXXX statement came in it stated the balance was {$770.00}. On XXXX XXXX I made a payment of {$35.00} and then again on XXXX XXXX I paid the remaining balance of {$740.00} ( this payment was posted the same day and taken from my bank account on the XXXX ). This should have left me with a {$0.00} balance on the card. 
I receieved the statement that has the due date for XXXX XXXX with a balance of {$14.00} for interest on purchases. I have not purchased anything since XXXX of XXXX  according to my statements. 
My main complaint is why do I have a balance of {$14.00} on my current statement for interest on an account which was paid in full before the due date and why should I pay this charge????????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been dealing with this nightmare for 7 years now. Macys and it's credit lenders are corporate bullies who pray on individuals. My Macys Credit Account was closed in XX/XX/XXXX. I was harassed and consistently bombarded by both Macys and a collection agency. I continued making payments on a closed account in good faith and I slowly noticed that Macys changed the information displayed on my credit report. In XX/XX/XXXX I realized they reported that my account was opened again even though it was indeed closed and I was not able to use my card again. It was clearly a relation move given the fact that I have made prior complaints to the CFPB and consumer agencies. At the end of XXXX, I called one of the many financials offices of Macys credit cards and offered to pay the {$500.00} in late fees that were accessed throughout time even thought I had already paid off my original balance. The associate on the phone said not to pay it because my balance is scheduled to drop off my credit report in XXXX. However today, XX/XX/XXXX, after calling 5 different departments, I learned that the company indeed reported that my account became delinquent in XX/XX/XXXX ( and not closed in XXXX ) and that it won't drop off of my report until XXXX!! When I asked what happened to my prior closure from XXXX, THEY SAID THAT THEIR SYSTEMS CAN NOT ACCESS DATA FROM XXXX! This is fraud and fraudulent activity in addition to targeted bullying. **Backstory on delinquency.. I changed jobs in XXXX and delayed on 2 months of pay on my Macys Card and they had no REMORSE. They immediately closed my account. I have an 100 % payment record on my credit report and prior to XXXX I ALWAYS paid my Macys account on-time. They are corporate bullies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
frontline assest strategies and XXXX  are illegaly reporting a reaged account that has previously been removed from my credit report this account has always been the result of identity theft and a violation of my federally protected consumer rights per 15 usc 1681 c2, m 15 usc 1692 g fcra section 609,604, and 611 as well as fdcpa sec 804b3 this action is actually illegal and there is no factual basis of the reporting of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years. 

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have owned my property for 30 years. Upon my husbands death I had to file bankrupty once it was discharged the mortgage company refused to report it to the credit bureau stating it was bankrupty policy not to report accounts even though they had been discharged and have been in good standing for years. 

I tried calling and was told even though this was 15 years ago it was their policy and there was no remedy for this. 
I called the credit bureaus and was directed back to the company which refused to help. 
The mortgage company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. 
XXXX XXXX XXXX. XXXX no is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This debt is not accurate and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: GA

Complaint narrative:
to whom may concern, i never opened a XXXX  account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
Witholding tax is withdrawn each month from my checking account at Charles Schwab Bank. I am not required to file 1040 due to low income. No witholding has ever been taken in brokerage accounts or funds. IRA is opt out. For 2022 the amount was too small to report. I did not file. 
Numerous contacts saying it is fixed yet it does not stop. 
This is an interest bearing account. Capital gains, dividends and other taxable income have never been taken from other accounts. 
Why should THIS BANK take withilding when other banks do not? Why won't they let me opt out in this account for tiny amounts when they do for large amounts in onother accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
XXXX shows as an account on XXXX and XXXX while showing an inquiry on Equifax. All are fraudulent because I've never applied for credit for this service or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: DISCOVER BANK
State: CA

Complaint narrative:
While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/XXXX  made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted oXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I had a charge on my credit card at Goldman Sachs for XXXX on my Apple Card, I have disputed this TWICE with Goldman Sachs they keep asking me for verifying documents but like I have told them XXXX times I didn't charge this I have never been to this establishment. Then this week I got a email that said they sided with the merchant so now I have a charge for XXXX that I have to pay even though I never used my card at that merchant. In reference to the card user agreement I can not be charged for fraudulent services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have applied for the loan from XXXX in XXXX and it's proceeded on XX/XX/2023. I have not received the fund to my XXXX bank account. I confirmed that my information : account number and routing number are all correct. 

XXXX XXXX bank Wells Fargo Bank as sender. They should have sent XXXX $ to my chase bank account. I contacted to My bank, but they can't do anything since they do not see any transaction. 
I opened case to XXXX. XXXX requested to Wells Fargo about the transaction. Wells Fargo replied them that XXXX XXXX confirmed the transaction has received with no return. However, XXXX does not see any action happened to my account. 
I asked XXXX to provide proof of payment, however they are rejecting it, and just provided trace id. I contacted again to XXXX XXXX  with this trace id, no luck. 
Wells Fargo provided trace id : XXXX. 

Sender : Wells Fargo Trace id : XXXX Amount I'll receive {$43000.00} Trade date : XX/XX/2023 Effective Date : XX/XX/2023 Receiver : XXXX XXXX XXXX Wells Fargo should track the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have recovered from my identity being compromised and upon reviewing my credit report I noticed inaccurate information. I have experienced billing inaccuracies-failure to post payments to account, lost payments on account, no resolution to fraud case and has led to my account being closed and I would like it to be reopened. I use to work for the company XXXX and continue to shop with them and want my card and feel it was closed unfairly as I didn't authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to TransUnion about multiple inaccuracies on my credit report. They received my complaint and on XX/XX/XXXX acknowledged that there was a dispute of information appearing on my credit report. I asked them to remove all accounts with inaccuracies as a fair resolution but they decided to update the information on my file. Although they claimed to update the information on my credit profile they didnt actually update the information. My credit report as of XX/XX/XXXX has the same inaccuracies from XX/XX/XXXX. TransUnion didnt take the necessary steps to actually update my credit profile with accurate information nor did they remove it per my request. 


According to 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Also according to 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Bought the XXXX XXXX XXXX in XXXX for {$30000.00} and paid it off a little, It's been over a year that's I've paid it off... I used all my savings and still don't have a vehicle I can drive legally. 
promised a stress-free car purchase from big-named vendor XXXX. Now, it's most facin the most stressful time ; along with the pandemic of the virus of course. 
I have contacted XXXX-to assist with the issue of not having a title for the vehicle that I've worked so hard to pay on. 
more than 25 times I've contacted & informed each time that Bridgecrest - XXXX that my current information needed updated- Each time I had to contact again... Both company 's had old contact information- no current contact info I provided to them was out into their systems. 

XXXX- would blame Bridgecrest to why I haven't gotten my title, and Bridgecrest would give the reasoning that they sent it- even though I continued to say I didn't get the title, they had no solution, the call would get transfered... Or discounected, and this is a recurring event each time dealing with both companys

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've made several attempts on XXXX, XXXX and XXXX of XXXX to Experian Credit Bureau in regards to hard inquiry that was NOT authorized by me. Experian have not provided proof, nor provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The Fair Credit Reporting Act ( FCRA ) is designed to protect the privacy of consumer report information sometimes informally called credit reports and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. 

The item is in dispute because the account does not belong to me nor did I authorize THESE COMPANY. 
Type of disputed information : Hard Inquiry Source of dispute information : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
Experian have violated my rights according to the federal Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and invalid information. This have affected my privacy as a consumer and violated 15 usc 168c-2.

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