vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a notification from XXXX XXXX and XXXX that a new hard inquiry was listed on my credit report. Upon further investigation, we found that a Capital One NA account had opened an inquiry against my credit. The same was applied to my husband, XXXX XXXX, but his was blocked by XXXX XXXX before it could be processed. XXXX placed a fraud alert on my account that spanned all three bureaus. I also contacted Capital One to notify them of the fraudulent inquiry. No accounts have been opened and no funds have been spent at this time, it was a hard inquiry today XX/XX/2024. All of the conversations, XXXX and Capital One, happened today as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
my account was reported incorrectly this vehicle was a piece of junk and never ran I lemon lawed it and they Tok forever to pay off the car when it was surrendered

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
XXXX reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I called in my XXXX payment I gave the receptionist my bank acct #. I was assigned a new acct in XXXX because all my accts were breached by unknown. I had to be assigned new accts.i called in my payment as usual to the receptionist, wrote down her name and verification info for the payment. I also paid my other 2 accts with PayPal. Then I got a notice my payment was not valid. We went over the numbers to verify and apparently she had put the old acct #. They sent me one of their checks with my name and the amount of {$150.00} I had paid and ask me to deposit it, which I did, with no problem. I paid all my bills the amount in installments due with my new acct and there was no problem. 
I also paid my bill that was due in XXXX no problem, the checks went through, to PayPal credit, regular PayPal my bill & Amazon Acct which belong to Synchromy. Now I got a letter that on XX/XX/13 that my acct is closed because the number of dishonest checks received I have no dishonored checks from them or otherwise. 
I just want to clear my name., no problem giving up the cards. 
Thank you 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 monetary relief
Consumer complaint received 2024-02-27 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: OH

Complaint narrative:
I received excision XXXX for XXXX at XXXX XXXX on XX/XX/XXXX. I signed a Good Faith Estimate ( GFE ) the same day and paid the agreed amount ( {$11000.00}, which is a 75 % discount of the total estimated amount of {$47000.00} ). The GFE is attached. On XX/XX/XXXX, I received an electronic statement for {$2900.00}. According to XXXX XXXX, the amount of this bill is the difference between what I was quoted on the GFE and what the procedure supposedly cost, minus the 75 % discount I agreed to receive for paying in full the day I received care. The day after receiving this bill, I logged in to view the bill, but my balance was {$0.00}. The payment site said " Your balance has been updated since your last statement. '' There was no balance. ( There was an electronic statement in my account from XXXX, but I never received notification of its existence. The balance from that statement was also {$0.00}, as seen on the attached picture. ) On XX/XX/XXXX, I received an electronic statement for {$46000.00}. When I called the hospital to question the charge, they said I had refused to pay the {$2900.00} bill and, consequently, lost access to the 75 % discount, becoming responsible for the full cost of care. The representative had technical issues and we had to disconnect the call before it was resolved. I made several attempts to contact XXXX afterwards, but I was not successful. 

In accordance with the No Surprises Act of 2020, I filed a Patient Provider Dispute Resolution form with the Centers for Medicare & Medicaid Services ( CMS ) on XX/XX/XXXX. On XX/XX/XXXX, the dispute was decided in my favor ( dispute decision notice is attached ). The third party reviewing the case and CMS determined that I had paid the entirety of my debt according to the agreed upon terms with XXXX XXXX, and therefore did not owe any outstanding balance. Additionally, they decided that XXXX XXXX must reimburse me for the {$25.00} administrative fee I paid to CMS to file the Patient Provider Dispute Resolution form. XXXX XXXX did not respond. They sent my account to collections and I am still receiving calls from Hollis Cobb Associates in an attempt to collect this debt that I do not owe. I fear that my credit has been negatively impacted by XXXX XXXX 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian credit bureau refused to removed two closed accounts from 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 explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-27 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I had my normal student loan payment of {$130.00} due on XX/XX/XXXX. I made my payment in the late evening on XX/XX/XXXX. The next day on XX/XX/XXXX I got my next bill saying I have a past due amount of {$130.00} and my current amount of {$130.00} due on XX/XX/XXXX. I tried to call Mohela on XX/XX/XXXX to discuss this and I could not get through to someone. The automated response said I was 4 days delinquent when my payment is pending. I'm not sure if there's anything you can do but this doesn't seem fair. I made my payment on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
The complaint is against ABC Fitness Solutions and XXXX XXXX. Since XX/XX/2023 these companies arbitrarily charged me {$51.00} from my account. They have requested my bank information to charge unrecognized fees. According to them for contract renewing. I have not signed or mentioned nor indicated to ABC Fitness Solutions or XXXX XXXX such thing. I tried to solve this issue with them, but ABC Fitness Solutions makes XXXX XXXX responsible, vice versa. 
I have not a debt or any pending balance with this two business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a purchase while I was out of the country of XXXX XXXX XXXX XXXX XXXX the amount should have been XXXX dollars. When I Checked my bank account when I was back home I was charged XXXX. I disputed the amount to bank and explained that due to the currency exchange they over charged me and the bank denied my dispute of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my account was reported incorrectly this vehicle was a piece of junk and never ran I lemon lawed it and they Tok forever to pay off the car when it was surrendered

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
my account was reported incorrectly this vehicle was a piece of junk and never ran I lemon lawed it and they Tok forever to pay off the car when it was surrendered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
my account was reported incorrectly this vehicle was a piece of junk and never ran I lemon lawed it and they Tok forever to pay off the car when it was surrendered

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 2024-02-28 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: AL

Complaint narrative:
Im a victim of identity theft. This item needs to be removed immediately. I never signed anything with this company. This collection account from XXXX XXXX XXXX XXXXXXXX needs to be removed.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-28 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: NV

Complaint narrative:
Tired of being ignored month after month about inaccurate information which as never been verified to me after asking for proof of the reporting. I am yet to receive proof but still this inaccurate information keeps reporting.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion and XXXX credit reports have my name as XXXX XXXX not XXXX XXXX and its been legally changed since XX/XX/2018 by the state of 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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX charged me {$240.00} twice on XX/XX/XXXX ( totaling {$480.00} ) : I called them and they stated to reverse it would take them 30 days and then theyd issue a check because I paid off my final contract bill and switched to XXXX XXXX XXXX  and I was no longer a customer. I contacted Chime and filed a dispute for the duplicate charge on XX/XX/XXXX. On XX/XX/XXXX, Chime provided a provisional credit of {$240.00} for one of the two charges. Then a representative from XXXX called me on XX/XX/XXXX and stated she spoke with her manager and he is able to reverse the duplicate charge and he did so that day and the money immediately showed back up in my account. On XX/XX/XXXX Chime then reversed their provisional credit from XX/XX/XXXX for {$240.00} ( listed as adjustment on my account ) which was correct since the merchant refunded me. Chime then charged {$240.00} on XX/XX/XXXX and listed it as an adjustment. I called them on XX/XX/XXXX and a representative filed a dispute and I was issued a provisional refund of {$240.00} on XX/XX/XXXX. I was then charged again on XX/XX/XXXX and the explanation was the same from the initial reversal. Ive spoken with them every three days since and Ive been told they are still waiting for an update from the investigations team although the turnaround time is 3 business days. As of today they havent resolved it and each time I call someone says theyre sending a message to either escalate it or follow up but Ive not received any permanent resolution for the duplicate adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need to pause my fraud alert for my credit to GET Electricity. 

However experians website doesnt work and tells you to call a number. The number doesnt allow you to connect to a person and tells you to do this online. Circular and non helpful and frustrating.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.

Complaint narrative:
A wire was transfered to my account at Ally Bank on XX/XX/16. Ally confirms they have the money and will not transfer to my account. They will not tell me when they will transfer

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 2024-02-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To whom it may concern, I'm just now finding out that my name was on the website for Equafax Data Breach Settlement Lawsuit # XXXX, but the deadline to file a claim ended on XXXX XXXX. What can I do, knowing that my information was sold and bought illegally because I was a victim of the Equafax Data Breach. Please help with this situation. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX credit bureau refused to removed two closed accounts from 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