vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I opened a Navy Federal Credit Union Account about XXXX XXXX  ago. I also used it to start an AUTO BILL PAY for my XXXX XXXX XXXX. So the XXXX auto debit was suppose to taken out on XX/XX/2022. XXXX text me on my cellphone on XX/XX/2022, that the {$210.00} was successfully debited from Navy Federal Credit Union checking account. Now I am being told today by XXXX that XXXX DIDN'T RECEIVE THE {$210.00} AND I STILL OWE THE {$210.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I LIVE IN THE XXXX XXXX, XXXX. WHICH IS FULL OF XXXX XXXX  THEY ARE MESSING WITH ME AND MANY SENIOR CITIZENS HERE. EVERY XXXX WHEN GOVERNMENT BENEFITS COME OUT, THE SENIOR CITIZENS HERE IN THE XXXX, AND XXXX HAVE A Stung OF WAR WITH THE XXXX XXXX, WHETHER IT'S YOUR FAMILY, ASSOCIATES, OR STRANGERS. 
COULD YOU PLEASE ASK NAVY FEDERAL CREDIT UNION TO STOP ALLOWING SENIORS TO BE ROBBED? I AM NOT STAYING WITH NAVY FEDERAL CREDIT UNION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last 5 years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.

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 2022-11-17 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:
Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last XXXX  years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.

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 2022-11-17 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: TX

Complaint narrative:
Statement : I have got no receipt for that purchase, XX/XX/XXXX I was requesting to cancel the trial/service with with XXXX XXXX XXXX As well cancelling capital one virtual card I have used for charge protection offered by Capital one. I have called Capital one on XX/XX/XXXX and complaint about the charges, rep told me not to worry these amounts will be credit back and I never heard anything back till I found out I got charged again same amounts on XXXX. I have called 3 times talking to different reps and a manager on XX/XX/XXXX and I got promised again that full refunds of {$1700.00} will be issued again. Since then Im just getting letters my disputes were rejected because of bank errors. 

I need help dispute the following charges : Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022 Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022 Amount : {$590.00} Account Number : XXXX Merchant : XXXX XXXX Date of charge : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Allowed a large purchase I did not make and allowed this purchase to go through with out informing me even though my credit limit was only {$9500.00} and will not allow the credits to be issued by XXXX XXXXXXXX to resolve this issue so I can use my credit card. 
Please see Attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
This company has sent several voicemails, and letters along with emails requesting me to pay this debt that was originally for XXXX. However this debt has already been charged off, I also sent this company a certified letter asking for them to send proof of validation and payment history within 30 days which they have not done thus far. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company is lying about not receiving my coupon that they sent me trying to collect this debt. They have placed a collection on my personal credit profile and the response is they will send me the validation when the General insurance company sends it to them I AM DEMANDING DEBT VALIDATION FROM THIS BOGUS COMPANY. I KNOW I DO NOT OWE THE GENERAL ANY MONEY WHAT SO EVER. IT IS MY RIGHT TO SEE WHERE THEY ARE GETTING THIS XXXX DEBT FROM.

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 2022-11-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company is lying about not receiving my coupon that they sent me trying to collect this debt. They have placed a collection on my personal credit profile and the response is they will send me the validation when the General insurance company sends it to them I AM DEMANDING DEBT VALIDATION FROM THIS BOGUS COMPANY. I KNOW I DO NOT OWE THE GENERAL ANY MONEY WHAT SO EVER. IT IS MY RIGHT TO SEE WHERE THEY ARE GETTING THIS XXXX DEBT FROM.

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 2022-11-17 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased tickets for the XX/XX/2022 show at the XXXXXXXX XXXX XXXX through XXXX on XX/XX/2022. The tickets cost {$330.00} and I put that on my Citibank Mastercard. Within 3 days, due to health problems ( we are XXXX and XXXX  years of age ), we contacted XXXX at XXXX to cancel our purchase. The customer service representative took specific information from me by phone and said she was submitting that to XXXX, who handles the ticketing, for a full refund. In addition, she advised that we would see the refund on our Citibank account in about 2-3 weeks. When 2-3 weeks passed, but we didnt see a refund posted on our Citibank card account XXXX we called both XXXX and XXXX on at least 8 different occasions and repeatedly got the runaround. For example, even though XXXX submitted our request for a refund on approximately XX/XX/2022, XXXX has repeatedly told us that they could not find a record of our purchase in their system. Just today, I called XXXX and was told that they also did not have a record of our purchase or request for a refund. Despite all this time time and both companies telling us that there is no record of our purchase or request for a refund, we have never received the tickets or a confirmation email about our purchase of them. 

When I disputed this transaction with Citibank, they denied it, saying that the merchant provided documentation stating the charge is non-refundable, however, there was no wording whatsoever about refunds being prohibited in the paperwork that we received from the merchant following our purchase. 

Citibank sent me copies of the steps on a companys website ( possibly XXXX ) when someone is purchasing tickets. I believe their decision was based on this information, however, I did not purchase these tickets through the website. I called XXXX and they completed the transaction for 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 2022-11-17 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: CA

Complaint narrative:
Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last XXXX years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.

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 2022-11-17 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: MD

Complaint narrative:
There are unauthorized credit inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I noticed sum transactions on my account that I didnt do and chime bank closed my desput and when I asked about reopening the matter and a credit they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I went to XXXX XXXX from XXXX and during that time they took out private student loans ( instead of federal ). And then I went to another college to pursue a 4 year degree and in that time my loans from XXXX XXXX ballooned into roughly {$50000.00}. I'll be paying on these loans for the rest of my life at this rate. Now the US Department of Education is discharging all of the XXXX Federal loans but not the private loans- doesn't seem fair to me. I want my XXXX XXXX Private loans discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
I sold the property on XXXX. 

The title company sent excess funds to LoanCare. 

I called Loancare on XXXX to request a refund of the overage. 

Loancare informed me that it would be at least 20 days until they could refund the overage because they had processes to complete. I asked the representative to explain what processes they needed to complete, she said, I don't know if they do anything, they just tell us to say at least 20 days. 

I'd like a refund of the excess charge of {$110.00} Property Address : XXXX XXXX XXXX XXXX XXXX MT XXXX Loan Number : XXXX 2.750 % Interest Rate {$0.00} Current Balance {$260000.00} Original Loan Amount XXXX/XXXXXXXX Maturity Date

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 2022-11-17 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: LA

Complaint narrative:
please remove fraudulent / unauthorized inquiries off on report from XXXX XXXX on dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17 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: TX

Complaint narrative:
I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.

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 2022-11-17 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: TX

Complaint narrative:
I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.

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 2022-11-17 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: MD

Complaint narrative:
There are unauthorized credit inquiries on my credit profile.

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 2022-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under XXXX XXXX XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i am requesting that ALL non-accu0nt holding inquiries over30 days be removed. 







Has violated my rights XXXX U.S.C XXXX section XXXX A States I have the right to privacy. 



XXXX XXXX XXXX Section XXXX A Section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years. 



XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2022-11-17 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: MI

Complaint narrative:
This XXXX XXXX is currently showing 30 days late way back XX/XX/XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX  XXXX XXXX Balance : {$130.00}

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