vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: GA

Complaint narrative:
I sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted XXXX directly to go over my results and they assured me they will put in a dispute for investigation. XXXX days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained Im not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in XXXX days when the normal dispute process is 30 days. It was NEVER provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: OH

Complaint narrative:
I got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles

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 2023-12-09 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: OH

Complaint narrative:
I got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TRANSUNION is posting 3 inquiries i dont recognize and did not authorize. They are not connected to any active accounts. They requested FTC which i have provided and the 3 inquiries are still on my report and are impacting my score and life. Please remove these 3 inquiries. They are listed below XXXX XXXX XXXX XXXX XXXX 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 2023-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
This is a situation that is totally unfair, on XX/XX/2021 I went to a location at the XXXX hospital looking for information with the XXXX XXXX due to problems I had XXXX, and I don't know how they are charging me {$820.00} dollars for a service that I never received, at that time I only wanted information, and now my name and social security are compromised and they sent my information to a collection agency and for that reason I can not obtain credit to buy a vehicle and for that reason my credit is On the ground, I am a single mother with a minimum salary that a medical bill for a service that I did not receive is causing me so much stress and personal problems, I need XXXX hospital to resolve this and stop calling me and delete that information from my credit history, I went to a hospital looking for help to XXXX and they worsened my situation to a critical degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is an account that my name is joint with but I have not been with with person who opened the account in over 2 years but still uses my name for that credit line and I have tried to take my name off the account but I have no luck.

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 2023-12-09 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: GA

Complaint narrative:
Over the past several months I have been going back and forth with XXXX in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX  because of this situation. XXXX has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This should be against my HIPPA rights! 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX. Transunion and XXXX CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again this disputed account is inaccurate. But Transuion and XXXX CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.

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 2023-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
Nordstrom 's credit card debt collector called before XXXX XXXX Received a call on XX/XX/2023 at XXXX XXXX and I was asleep after being up all night due to an illness and am XXXX. I have rarely missed a payment with Nordstrom 's but their representatives behind the debt collection are rude and aggressive which is unacceptable. The {$39.00} payment was made as it was an oversight on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-10 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: OK

Complaint narrative:
Capital one has made several Hard inquiries when all of them should have been soft inquiry. The hard inquiries had a negative impact on my credit score/report. it made hard inquiries to major credit bureau XXXX and XXXX. In total in a six-month span did a total of XXXX hard inquiries. I have Called Several times to get this corrected and removed. They should have been soft inquiries. I would never apply or allow that many hard credit check from the same company or any Dates of the hard inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I personally did not take out this loan. The number attached with this amount of money taken out does not match with my phone number. The texts I am getting are towards an XXXX. This loan was getting paid and it stopped getting paid but the company never had my actual account, had to be from someone else that falsified my XXXX and my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have unauthorized inquiry from XXXX. I contacted Equifax multiple times and informed them of the fraud but they did not remove the inquiry. They requested an FTC report which i have provided and still nothing. Under law, they must remove this one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am using Discover Credit Card. On XXXX  I contacted their agent who told me that I will get total {$800.00} credit back if I set up payments on XXXX  and XXXX and I agree with it. I will receive the amount of {$400.00} after the payment of XX/XX/XXXX, and receive the amount {$400.00} after the payment of XXXX However, I didn't receive anything after XX/XX/XXXX payment. I contacted their customer service TWICE and finally got it on XXXX After my XXXX payment, I also receive nothing. Then, I contacted their customer service again and the agent told me I can only receive it after the payment on XXXX 

They enrolled me into a program which will suspend my account without let me know, and leak my privacy information. Now, they did something like this. I have no trust with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been unable to get my credit report " On Line '' from Experian for several years. I receive the following error message when trying to get my report : " A condition exists that prevents Experian from being able to accept your request at this time ''. I have no way of contacting them to resolve this issue. I even created an account with them ( which they force you to do if you want to try to get a credit report directly from their web site instead of going thru XXXX, which may be the reason they deny me access to my report, to get me to register on their website '', and they still refuse to give me my report, and once you create an account with them they bombard you with spam and wont allow you to opt out of the spam. I just want to be able to go on line to XXXX and get my credit reports just like i do with 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 explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HOMESTEAD FUNDING CORPORATION
State: CT

Complaint narrative:
I AM the consumer, I applied for a pre-qualification consumer credit transaction via a phone call on XX/XX/2023, approx XXXX, with XXXX XXXX XXXX of XXXX. XXXX XXXX. Licensed XXXX XXXX. NMLS #. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX.,. XXXX XXXX XXXX XXXX. And I received his name from a realtor XXXX XXXX at XXXX XXXX XXXX XXXX The lender stated he is the creditor after he looked at my credit report on his computer. He informed me that I must have above XXXX score to qualify for a home, and I am to have {$2000.00} in federal reserve notes in a bank account somewhere. I informed him I am an American with XXXX, nd I gave you my Social Security number. He then stated he refuses to help me and hung up the telephone interview. I am currently experiencing a housing emergency crisis. I sleep in the woods at night. This also has caused me considerable emotional distress knowing he is violating the Equal Credit Opportunity Act and the Consumer Credit Act and Securities Fraud, by denying my Right to my Credit and my access to my securities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My cc is with bank of America however the issue seems to be with VISA. Every month I am getting a recurring charge for {$29.00} from a company that changes it name. Mostly it goes by : XXXX. Atleast 4 times BofA has declined the charge. They missed it once but I caught it and complained. In all those cases they have stopped my card and issued a new one with a new number. Each month this fraudulant company somehow gets the new number from Visa and makes a charge for {$29.00}. I am not the only one. There is a website people have been using to complain about it for over a year. I have contacted VISA and asked the to protect my information nothing is happening and it happened again today. Here is a link to that site : https : 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I have asked all 3 credit bureaus to remove a non-bankruptcy derogatory report that is older than 7 years from my credit report. Experian claims that only the reporting entity can remove it, and that I need to contact that entity directly, which I know is false. 

However, I have attempted to do so - the entity was XXXX, but since I do not have the old account XXXX  available, I can not get through their voice system to access a human to try to have them remove the 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 2023-12-09 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by XXXX of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by experian of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.

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 2023-12-09 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: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: FL

Complaint narrative:
but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me 6 insufficient fund fee which are {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. 

Custodial Accounts The combined balances in a minors custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Purchased a dining table set from XXXX on XX/XX/2023 table arrived damaged. I contacted XXXX to request replacement offering to send back the damaged table, XXXX denied the replacement and no further assistance was provided. I filed a chargeback with the credit card company Goldman Sach ( Apple Card ).

Company response to consumer: Closed with explanation