vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
I was in the hospital in the XXXX from XX/XX/XXXX to XXXX XXXX a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

XXXX XXXX  hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted XXXX XXXX in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX  at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
I was in the hospital in the XXXX  from XX/XX/XXXX to XXXX XXXXin a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX  and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

XXXX XXXX  hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted XXXX XXXX in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had XXXX..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: WI

Complaint narrative:
Account # XXXX I was made aware via my credit report that there is a charged off account in the " installments accounts '' section of my credit report by the name of XXXX XXXX XXXX. This account does not belong to me and I did not permit anyone to utilize my personal information to open this account. I have reached out to the credit bureaus many times to dispute this and no proper or fair resolution.

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 2023-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone other than me tried to open a store credit card in my name through Kohls, XXXX XXXX, XXXX and XXXX. I believe only the Kohl 's charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with Kohl 's and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, Federal Student Loan ( Department of Education XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 64 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 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 crimes which antedates the report by 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 accurate.

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 2023-03-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, Federal Student Loan ( Department of Education XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 64 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 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 crimes which antedates the report by 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Financial Management Solutions, LLC
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Name of Creditor collection agency : FMS Financial Solution XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Acct # XXXX To Whom It MAY Concern : On XX/XX/XXXX, I wrote to you requesting validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. 
Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXX - XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, and the US Bankruptcy # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 by 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 non-monetary relief
Consumer complaint received 2023-03-06 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: OH

Complaint narrative:
Sent in my dispute and the credit company didn't provide the right documents showing that the accounts didn't belong to me in a reasonable time frame that the fair credit act determined to be the time frame for their response. 

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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had a credit card with navy federal credit Union and I fell back on the payments. Theyve charged it off as a write off and I now want the 1099C form to file on my taxes. It is my right to get a 1099C form

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
please this company is call me to many time i want remove for my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The XXXX XXXX XXXX XXXX with Comenity Bank advertises two introductory offers, a {$50.00} store code and a free game ( up to {$75.00} ) when you spend {$500.00} within the first 60 days outside of Sony 's store/website. I applied for this credit card on XX/XX/XXXX last year, the weekend after XXXX, and I activated this card on XXXX when I received it in the mail. I immediately started using the card on XXXX and made {$500.00} of purchases outside Sony 's store/website by XX/XX/XXXX. I first contacted XXXX XXXX ' customer service on XX/XX/XXXX about not receiving either of the $ XXXX {$75.00} introductory offers. I called them back later that week because I never received any email confirmation from having contacting them the first time on XX/XX/XXXX. They generated a case # XXXX and escalated it at this time ( approx XX/XX/XXXX ). I called them back on XXXX and again on XXXX asking for updates, but they have not been able to provide me with any update other than that they are aware of some kind of issue where some customers may not be receiving their store codes/introductory offers, and to keep waiting. They are giving me the runaround ; I should have received these introductory offers months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: OK

Complaint narrative:
Westlake Financial Services in XXXX XXXX, California will call me 4 or 5 times a day 7 days a week

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for XXXX benefits in XXXX never received the card it was stolen i later found out. All my XXXX funds were spent and stolen I filed a claim with the bank about it and they have done nothing but deny my claims over and over its ridiculous the amount of money I was scammed out of and now can not get back and now I have no recourse

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 2023-03-06 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: USCB Corporation
State: GA

Complaint narrative:
Why is this reported on my credit when the original creditor didnt verify the debt? How does that even make sense? Also, I never had a balance of the amount that is being reported on my credit report. I sent USCB Corp a letter in XXXX and they have yet to send anything regarding the collection they are reporting on my credit report. Also, I do not see that they are licensed to collect any debt. I am requesting that this inaccurate account is removed from my credit report immediately. Attached is the letter that was sent in XXXX which is dated and time stamped.

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 2023-03-06 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX and XXXX, and creditors reporting improper information on credit report according to 15 U.S. Code 6802 ( B )

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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
So I am banking with capital one my accounts been open for over 2 years they have had me locked out I have had XXXX dollars in their for over 2 years and they wouldn't give me access to it or anything than the other day I looked at it and they withdrew my XXXX dollars and now I'm out of my money I'm really irrated with this bank because they have done nothing but let me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: MI

Complaint narrative:
Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: MI

Complaint narrative:
Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. Experian and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.

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