vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Please help me this is concerning... 

Security ministration with my address name Social Security number. I also sent in a current drivers license now they requested a W9 form as I did not ask for any tax exemption or anything in that manner And when I sent it in, they said it was not accurate. I called the IRS state and federal in my name and EIN match. I completely feel I am being treated completely unfairly as I did not change my name XXXX XXXX XXXX around both of my credit cards in that time I received a new platinum Walmart rewards card that has my real name and it will not change my name back. It drives great concern. As in this time my credit scores being diminished as inquiries are being added. I have called at least 50 times that's not an understatement. I calling desperation that I believe I'm going through not only discrimination, but some kind of identity thief as they ask for all my information even my EIN as well as my Social Security number on a W9 form and told me the information did not match, I have evidence to support his not only letters with a letterhead from capital one with my correct name. ask them for a reasonable accommodation for my XXXX. I was mocked and laughed at about the situation at hand when I looked into it as well the state IRS and federal IRS has matching information. They informed me that the information was incorrect and I also have the W9 document. I also looked at how long it would take for my name to actually be changed and go into the computer and the odd thing was is that this my name was changed my correct name on the banking side and the accounts to a different name and that happened within a weeks time not even thank you for taking the time to read this. I hope I can come to some kind of resolution. This is really caused a lot of stress and inconvenience in my life. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My telephone number is XXXX. Thank you and have a wonderful day. 
The XXXX XXXXXXXX XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting my child support case that is closed. I contacted the state of Michigan asking do they provide any of the three credit bureaus?, they sent me a letter saying NO. Child is a public record not a loan or mortgage or credit debit. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 
STATE OF MI OFFICE CHI XXXX STATE OF MI OFFICE CHI 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: PR

Complaint narrative:
I RECEIVED A CHECK FROM A LAWYER.  SAYING A LAWSUIT IN CLASS.  I WANT TO KNOW IF YOU CAN INVESTIGATE IF IT IS A POSSIBLE BANK FRAUD IF I DEPOSIT IT IN MY ACCOUNT.  
THE CHECK IS FROM HUNTINGTON NATIONAL BANK.  
AND SENT IT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-03 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:
This Inquiries in not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
The servicer denied the assistance application which includes a XXXX XXXX XXXX Grant towards arears, keeps tacking on thousands more in bogus fees to prevent me from keeping the home. They didn't even look at the assistance package with the grant money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: MD

Complaint narrative:
I have a debt with with Williams and Fudge ( the collector ), the original creditor is XXXX University. I set up a payment plan for XXXX, per pay period since the new rep XXXX XXXX said i couldnt continue to do XXXX per month like the previous rep XXXX XXXX said. This additional XXXX was agreed to by the new Williams and FudgeXXXX. XXXX informed me if i needed the payment stopped to call/email her. i sent an email to stop a payment and to take 2 payments on XXXX ( she agreed to this ) ; her company took the money out of my account anyway. I spoke with XXXX XXXX and she said she would refund it. She then leaves a message saying she not refunding it. I email her and informed her I will be paying online from now on. I get an email from the manager saying i cant make my payment online and if i pay online the whole balance is due. Thats a false statement as I have made payments online previously for years. I told them they can no longer auto debit my card and they got mad.Williams and Fudge are now lying and using unfair practices to collect a debt. I included the emails. I will not under any circumstances allow Williams and Fudge to auto debit anything and have advised my bank of the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Truist Bank pays fees from my Business Checking when the money is not available in the account for said payment and then charges me an overdraft fee because THEY allowed the payment. I've noticed that they're also re-ordering the line of succession as to when things post, such as charges, whereby it leads to my account being overdrafted.

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 2023-03-03 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: FL

Complaint narrative:
Hello, I request them to remove all these items before I continue to take further action, i have already filed with the FTC and police reports. 

Transunion Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries on my report I did not authorize or pursue. Please have them remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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: CA

Complaint narrative:
Hello Id like to file this complaint l I will attach my police report because I am truly disappointed in my dispute outcome with chime XXXX XXXX  my account number is XXXX i got my disputes denied and submitted a rebuttal just now they have denied it again Ive submitted it once again and reported them to the XXXX  .I have took pictures of the skimming device that was found at the store I used my card at I went back to the store and talked to the cashier they told me other customers complained so they checked the debit card machine and it was loaded with a skimming device. So there is many proof I was skimmed. The transactions I am submitting a rebuttal for happened on XX/XX/XXXX for {$140.00} and XX/XX/XXXX for {$320.00}. They were both atm withdrawals. I have All kinds of proof even pictures of the device used to skim my debit card. I told them I had the pictures i also told chime if this is not solved I will contact an attorney with all my proof. I told them I am very serious about this and will not accept to talk to another representative that tells me the same thing I want to speak to someone of higher authority that is going to actually help me with this. Ive also told them That once I get my money back I will be closing my account because this is the worst experience Ive ever had with a bank.. Id like something to be done here I am Extremely disappointed and in finiancial hardship due to this situation. Chime does not investigate disputes they just immediately deny them.

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

Complaint narrative:
I was contacted by XXXX to validate a credit card application which I confirmed was fraudulent. I was advised to set up an alert with XXXX, XXXX and Transunion which I did. When I attempted to dispute the inquiry with Transunion I was told I must first file a claim with the FTC then mail the ruling to Transunion. FTC directed me here.

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 2023-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: KY

Complaint narrative:
This company is calling my work, my relatives ( upwards of several repeated texts and calls every day! ) for a loan I dont believe I owe. They are leaving private information via texts to my relatives and at my work.

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

Complaint narrative:
Hello, I request them to remove all these items before I continue to take further action, i have already filed with the FTC and police reports. 

XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX inquiries on my report I did not authorize or pursue. Please have them remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was an identity theft victim dating back to XXXX when I filed my first police report. It was due to XXXX due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services
State: DE

Complaint narrative:
Company has been Illegally harassing me for a Debt I do not owe them. Company has also violated my HIPPA rights by illegally obtaining my health records without written permission with signature from me. I dont have a contract with this company. I sent the company a letter back in XXXX ( see attached ) I requested validation. Company did not provide me with the information I requested. Company sent me another letter in XXXX trying to illegally collect debt.I decided to look into this company and found that they are not legally registered to collect in the state of Delaware. ( see attached ). XXXX letter dated XX/XX/2023 I do not owe this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: WY

Complaint narrative:
On XX/XX/XXXX and XXXX, I found out that I have 2 cards that can't be used and can't check the balance. I called the customer and asked what was wrong with my card. They told me that they locked my card and will Replace a new card for me, I called them on XX/XX/XXXX, and told me that I will receive new cards on XX/XX/XXXX and XXXX, respectively, a {$500.00} card ending in XXXX, and {$300.00} card that ends in XXXX, but I didn't receive it until today, I found out that they sent the card to a wrong address, XXXX XXXX XXXX XXXX XXXX, there is a small error in this address, the correct one is XXXX XXXX XXXX XXXX XXXX, I asked to resend me to the correct address, or change the two replacement cards to the correct address, but they refused me, gave me the case number and kept me waiting, I have been waiting for half a month Didn't receive my card, and asked me to continue to wait, and asked me to upload my privacy documents, the gift card is originally an anonymous shopping card, even though I uploaded my purchase receipt, I didn't get a reply from them as soon as possible, I'm so helpless, I don't want to lose XXXX dollars, this is my family 's money to buy food, I've waited too long, please help case number is XXXX and XXXX yesterday I call back and told me I will received the new card this week, but They cheat me Again and today another person told me to wait and send my ducument. I sent so many times. 
one card I have receipt and another one I haven't receipt because it is gift my friend sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: U.S. BANCORP
State: PA

Complaint narrative:
my credit card was paid in full XX/XX/XXXX XXXX and this is not the first time for the fidelity bank card not the banks care i sent messages to all three reporting s ags i just finished going in the program national debit relief after XXXX  years they got me involved in a loan with reach i have been paying everything down the car loan i had a covid contract to pay interest only and i got hit with a late payment all of this i am and i try ed to talk to bank and credit cards i am on XXXX and pay on auto every month this system has to change the little people are getting hit hard i have talked to both credit cards company 's and banks and expire n XXXX  and XXXX XXXX credit reporting people i don't know what to do next please help i am not the only XXXX out there with this problem

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 2023-03-03 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I was an identity theft victim dating back to XXXX when I filed my first police report. It was due to Equifax due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Park Hill Holdings
State: GA

Complaint narrative:
On XX/XX/2023 I attempted to apply for a house and was immediately denied by The Saferent company due to supposed information pulled from the credit bureaus. The Saferent company is purposely reporting inaccurate and incorrect information in regards to my credit file. Per the Saferent company all of the information they have on file was pulled from XXXX, XXXX and XXXX. The company also acknowledged that they know that there is a fraud alert on my credit profile but has not removed any or all information in regards to the alert and XXXX did not contact me to confirm that it was I that submitted the application as it is listed to do so on my credit file currently with all of the bureaus. Because of their gross negligence it resulted in an inaccurate denial of the rental property.

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 2023-03-03 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: EQUIFAX, INC.
State: SC

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  - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX   Has violated my rights XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian still has yet to remove former names in which I do not go by XXXX XXXX, XXXX XXXX. As well as a previous address I am not sure where this address as come from but it is not the address on my drivers license or on my current Bill my account is already being affected by information that is incorrect and is damaging my profile and do not need any other mistakes such as this. Please remove any information not consistent with me. The address is Previous Addresses XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX Ct, XXXX XXXX NJ XXXX XX/XX/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