vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report XXXX XXXXXXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX Date opened : XX/XX/XXXX, account number XXXX 2. The following account is NOT MINE : XXXX Account number XXXX Date opened : XX/XX/XXXX. Please remove it from my credit report. 3. The following account is NOT MINE : XXXXXXXX XXXX Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 4. The following account is NOT MINE : XXXXXXXX XXXX. Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 5.The following account is NOT MINE : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number : XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report XXXX XXXXXXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX Date opened : XX/XX/XXXX, account number XXXX XXXX. The following account is NOT MINE : XXXX Account number XXXX Date opened : XX/XX/XXXX. Please remove it from my credit report. 3. The following account is NOT MINE : XXXXXXXX XXXX Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 4. The following account is NOT MINE : XXXXXXXX XXXX. Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 5.The following account is NOT MINE : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number : XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
My primary name is reported wrong, inaccurate and incomplete Account name : XXXX BANK Account number : XXXX XXXXXXXX Account name : XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account number XXXX  XXXX Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
My primary name is reported wrong, inaccurate and incomplete Account name : XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I asked Transunion to update my address MULTIPLE times and they have not. A violation of my protected Consumer Rights.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
An account under XXXX has been listed on my credit profile and does not belong to me. I have no knowledge of this account and have contacted the credit bureau numerous times for it to be deleted. This account needs to be removed from my credit report ASAP as it is hindering me from receiving accurate reporting, violating my consumer rights. FCRA Section 605B also requires by law to obtain consent before including information on my credit report. This is a violation of the law.

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 2024-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a {$250.00} Amex gift card that is being declined everywhere I try to use it. I can not find a single retailer that will accept this as payment in store or online. Amex says sometimes they block certain retailers to protect the funds but have not yet offered a solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XX/XX/XXXX statement for my XXXX XXXX had 4 fraudulent purchases on it for a total of {$210.00} from XX/XX/XXXX and XXXX XXXX. I immediately called XXXX  to inform them these were not charges I made and were fraudulent. XXXX cancelled the card and issued a new one. Assumed matter was taken care of as I did not receive a bill for billing cycle XXXX XXXX XXXX XXXX XXXXXXXX. I then received a bill for billing cycle XXXX XXXX XXXX XXXX with the new card number and the same fraudulent charges. I called every time they sent me a statement. I wrote a letter to Synchrony bank in XX/XX/XXXX to no avail. They kept sending me emails, text messages and phone calls daily harassing me for payment. I called and told the XXXX I retained legal counsel in XXXX and to not contact me about this matter and refer to my attorney.She sent a letter XX/XX/XXXX with no response from Synchrony bank.She resent a letter on 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Expedite XXXX : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY EQUIFAX. Attach : COPY OF ID ATTACHE DISPUTE LETTER ATTACH PROOF OF ADDRESS XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$42000.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$7000.00} XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$700.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$300.00} XXXX DATE OPENED XX/XX/XXXX BALANCE : {$470.00} XXXXXXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Credit Control
State: CA

Complaint narrative:
This was the 1st letter Reference : XXXX without an actual date but said I was disputing it. The 1st letter said I need to responded by " XX/XX/XXXX '' Then I get another letter with a different reference number Reference : XXXX. The 2nd letter said I need to responded by " XX/XX/XXXX ''. I never received the information from the 1st letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I was Notified that I was given a {$50.00} Guarantee for a Credit Card Approval by Credit Karma. 
I followed the directions like you see advertised on Television and followed Credit Karmas prompts to fill out the Credit Card Application.

I did so and I was denied the " guaranteed '' Credit Card.

I contacted Credit Karma for my {$50.00} dollars and they took their time so I contacted them again and was given some garbage about Small Print and actually sending all my personal information to the credit card company by fax. WHO DOES THIS TO APPLY FOR A CREDIT CARD THESE DAYS!! 

Total lying, swindling, crooks!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
For the past XXXX or XXXX months I've received multiple calls from this company on a daily basis, even Sundays. I've spoken to them and they refuse to tell me anything more than the amount I owe and the name of their company, stating the debt is over XXXX XXXX XXXX. I asked them to stop calling me and they said they would not. I changed my phone number and within a week they were calling again. They are violating the Fair Debt Collection Practices Act by calling me back to back and on Sundays. 

The name of the company is Midland Credit Management, and they use over XXXX different phone numbers to stalk and harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian are reporting still wrong account on my credit report after a already file e complaint against them Delete these accounts...

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 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received this information on credit karma. 

{$270.00} Open balance RADIUS GLOBAL SOLUTIONS Original creditor There was no account number.

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 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NV

Complaint narrative:
First Citizens Bank in NC first withdrew my HOA payment on XX/XX/XXXX. On XX/XX/XXXX, First Citizens withdrew a second HOA payment. Unauthorized by our HOA XXXX. XXXX XXXX XXXX XXXXXXXX residents had 2 substantial HOA payments withdrawn from their accounts within 3 days. First Citizens never contacted us. The HOA company, XXXX, contacted hundreds of residents and said the bank made an error and will fix the error. The error was fixed on XX/XX/XXXX. ( Money returned ) But residents dont know what happened and what financial controls didnt work or what new ones will be put in place so it NEVER happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion sent me a credit report ( re complaint : XXXX ). 
I found that there was important information missing on my credit report related to my credit card payments. 
I attempted to submit a dispute online ( XX/XX/year>? ), but the website showed " We're unable to complete your request online. ", I got this option before even entering what the dispute was related to. ( It still shows this error ) I then contacted an agent via the website 's chat feature. The agent said they would be happy to submit a dispute for me. I gave them all the details as they requested and they said the dispute had been submitted. 
I heard nothing from Transunion and checking my account now it does not show that I have submitted a dispute.

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 2024-07-14 00:00:00
Product: Credit reporting 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: IL

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

I told/informed Experian, XXXX, and XXXX to XXXX and or remove these accounts : EXPERIAN, XXXX, XXXX DISPUTES XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX > {$500.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX {$720.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX > {$700.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.

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 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: KY

Complaint narrative:
Theyve called from various numbers once a day for the last about XXXX weeks, largely while Im at work as a XXXX XXXX 

XXXX completely screwed me when I was waiting to start work XXXX with the IRS barely making bills and decided to without telling me send the amount of my credit card ( {$3200.00} ) PLUS any interest ( to a total of about $ XXXX ) effectively tanking my credit and setting me back on progress I was finally making having gotten to start work. Now I dont qualify for any housing grants, rentals, etc. All because of them. 

Now the debt collectors are calling me relentlessly over a bill I not only cant afford but frankly WILL NOT PAY knowing they already wrecked my credit for the next AT LEAST XXXX  years. XXXX threatened to sue and in turn so did Hunter Warfield among their other disgusting behavior and harassment. 

XXXX a XXXX individual who JUST got to finally catch up on their bills and find a career and XXXXXXXX XXXX along with Hunter Warfield are doing everything they can to prohibit me from any normal/decent quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I mailed an error resolution notice, per 12 CFR 1024.35, to Navy Federal Credit Union. I asked them to investigate a negotiable instrument accepted by them on XX/XX/year> that had not been applied to the account for the mortgage statement due XX/XX/year>. This failure to apply a payment accepted violates 12 CFR 1024.35 ( b ) ( 2 ). I received no response. 

On XX/XX/year>, I mailed an error resolution notice, per 12 CFR 1024.35, to Navy Federal Credit Union. I asked them to investigate a negotiable instrument accepted by them on XX/XX/year> that had not been applied to the account for the mortgage statement due XX/XX/year>, plus information for the error relating to the above-listed payment. This failure to apply a payment accepted violates 12 CFR 1024.35 ( b ) ( 2 ) I received no response to the error notice. 

On XX/XX/year>, I received an early intervention notice from Navy Federal Credit Union. 

To date, Navy Federal Credit Union has not investigated this error and has marked my account as delinquent for the two ( 2 ) above mentioned months violating 12 CFR 1024.35, and has continued to send statements showing an erroneous past-due balance. Credit report showing " past due '' payments is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation