vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX My Navy federal debit card was stolen and fraudulent transaction occurred. I notified them the following day. After a 10 day investigation my claim was denied. I submitted my second claim over 2 weeks ago, and I still not gotten a response or received my funds that were stolen frome me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 Dovenmuehle Mortgage applied {$630.00} which was in Partial Payment Unapplied Funds to my principal balance despite Dovenmuehle not having authorization to make that application. I wanted that money to remain in Partial Payment/ Unapplied Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports Equifax has blocked/freeze New tradelines from being added to my credit report and has violated the federal laws and never send me any credit report and denied my disputes tons of times.. 



The following accounts that are missing from my Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
49 FCRA VIOLATIONS UNDER ONE ACCOUNT WITH TRANSUNION ; TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED. RE : 1ST ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: NY

Complaint narrative:
I have noticed there are some late payments on my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from Flagship credit acceptance. This is a violation of my right per 15 U.S. Code 1666b which states in section A -Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any letter by mail before my due date and by law my payments cant be reported as late. With this information I have provided you, I ask that you delete all late payments 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 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hello, I have disputed the accounts below several times. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 


National Credit Adjuster {$240.00} XXXX Unverified Account XXXX XXXX XXXX {$490.00} XXXX Unverified Account XXXX XXXX XXXX {$750.00} XXXX Unverified Account XXXXXXXX XXXXXXXX {$120.00} XXXX Unverified Account XXXX XXXX XXXX XXXX {$130.00} XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: TX

Complaint narrative:
I have disputed this account serval times. I demanded to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

LVNC Funding {$120.00} XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One credit company advertised to offer me credits card without checking my credit or affecting my credit and if I qualify they give me a credit card and they did give me the credit card. But after my first payment I checked my credit report and found out that they did indeed checked my credit score and affected my score significantly within a month and half. I would like Capital One to correct the negative report on my credit report. And also, l would like Capital One to never again check my credit report. Because by Capital One checking my credit it has caused me credit harm. I demand Capital One to rectify their action that negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My social security card was stolen recently then when I checked my bank account I noticed a fraudulent charge of {$200.00} from my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX CONSUMER REPORT VIOLATIONS ON ONE TRANSUNION ACCOUNT. RE : XXXX TRANSUNION ACCOUNT, TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE 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 explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone tried to open a card in my name with Bank of America. Thankfully it was denied. However, now theres a blemish on my credit report, and who knows what else someone may be trying to open with my name or social, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX CONSUMER REPORT VIOLATIONS ON XXXX ACCOUNT WITH TRANSUNION ; 3RD ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE 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 explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inquires were made on my credit report that I have no knowledge of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a letter to Oportun Financial Corporation letting them know that I reserve my rights to opt out per 15 u.s.c 6802 and yet they are still reporting to all 3 major credit bureaus effecting my credit score adversely and continuing to violate my rights by reporting inaccurate information and, harassing me by phone which is a violation of 15 u.s.c 1692 ( d ). They are also impeding my right to fair credit by violating 15 u.s.c 1681 ( a ), 15 u.s.c 1681 ( 2 ) ( A ) ( 1 ), 15 u.s.c 1681 ( b ), which are apart of The Fair Credit Reporting Act, which states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which then is in violation of The Privacy Act of 1974, 16 CFR 313.1-313.3 and 39 u.s.c 3001 ( d ) ( 1 ) ( 2 ) ( a ) ( b ). I would like this matter resolved in a timely manner and in way that is fair to me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
4TH ACCOUNT : THERE ARE OVER 133 CONSUMER REPORTING VIOLATIONS ON THIS ONE ACCOUNT WITH TRANSUNION. TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED. RE : 4TH ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I was on the phone with capital one for over an hour and nothing got resolved I sent them my id to verify me so I can use my card and they had me send it over 10 times stating it wasnt clear enough to been seen which it was but he wasnt trying to help me at all. Than 1 hour go by with me trying to upload it he stated he waived the id I asked him if he could had been did that why did he have me upload it over 10 times. 

This company is ridiculous! I been having my very unsatisfied secured card for over 1 year paid on time etc but I noticed me being XXXX XXXX they do this very often

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THERE ARE 60 REPORTING VIOLATIONS WITH THIS ONE ACCOUNT WITH TRANSUNION ALONE. XXXX ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE 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 explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from XXXX Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA 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 2022-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Hello -- My M & T Bank credit card ending in XXXX was flagged for suspicious activity on or about XX/XX/XXXX after making my second online purchase. I called the customer service number the bank provided a couple of days after the alert and reached a very nice representative that referred me to the fraud department. Upon calling the fraud department I waited on hold for over 40 minutes and was unsuccessful in getting in touch with anyone to resolve the issue. So I then decided to send a secure email to M & T Bank on or about XX/XX/XXXX stating that the purchase flagged was made by me and I was in possession of my card. I asked M & T Bank to remove the hold on my card. M & T Bank replied to my secured email asking me to contact the same fraud department phone number. I called the same fraud department number on XX/XX/XXXX as of the writing of this message and have been on hold for over 53 minutes and once again was unable to contact anyone to resolve the issue. 

Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX XXXX paid {$4700.00} to my Wells Fargo account that made a credit balance of {$390.00} In XXXX I called and requested the credit balance be refunded to my account, not to the last account that made the payment. I was very specific. 
When I had not received the payment I checked online and saw I now had a balance of {$390.00} I called and was advised that Wells Fargo sent XXXX payments of {$390.00} to XXXX I contacted XXXX XXXX who monitored the account for several weeks and advised they did not see any payment from Wells Fargo XXXX 
I contacted Wells Fargo again, who advised they would sent a check to me for the {$390.00} which they did. 
After several weeks I checked my balance, not only was there still a balance of {$390.00}, there was a late payment charge. 
I called and was advised they could see that the checks they sent were rejected and that this should be cleared up. 
Last week I received a letter in the mail advising I was behind in my payments. 
I filed a complaint through Wells Fargo. 
Last night I was advised I needed to make the payments. 
I was also advised Wells Fargo is not able to trace or cancel the checks they sent to XXXXXXXX XXXX and I needed a letter from XXXXXXXX XXXX stating they did not receive the funds. 
XXXX XXXX XXXX XXXX has now advised they need copies of the checks they did not receive. 
My credit is now in peril as Wells Fargo is showing I am over 2 payments behind on a bill I do not owe. 
I do not understand how 1 person from Wells Fargo can see the checks were rejected, the person handling my complaint can not. 
The person who is handling the complaint advised she listened to all of the recorded calls, she would have heard me being told the checks were rejected. 
This needs to be cleared up, and the account closed. 
This was Wells Fargo 's error, yet my credit is in jeopardy.

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