vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
MY PERSONAL INFORMATION NEEDS TO UPDATED ON MY CREDIT REPORTS

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 2022-07-06 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: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX - Reviewed credit report and noticed a charged off loan amount of {$7300.00} for a derogatory account at Oportun Bank. I had no knowledge of the account and did not authorize this account to open. The account was opened in XX/XX/XXXX. 

I have contacted the bank and am in the process of disputing this account. 

I filed a police police report for ID theft on XX/XX/XXXX. 

I contacted XXXX, XXXX, and XXXX on XX/XX/XXXX to dispute the loan on my credit report and have also placed fraud alerts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I made a borrower requested PMI cancellation request due to improvements on XX/XX/XXXX to NewRez. I completed paperwork and submitted with a personal check for a XXXX XXXX XXXX ( XXXX ). I was denied the request for high LTV after their fresh valuation. I contacted requesting a copy of the XXXX I never received because I vehemently disagreed with the reason, so I expected to be able to see the calculation ( as they promised to provide ). Received another letter XX/XX/XXXX stating it was denied because they never received the paperwork. Responded disputing this new reason evidenced by the earlier letter saying I was denied after a fresh valuation due to high LTV and the fact they had processed my check for the XXXX and all documentation was sent together. XX/XX/XXXX received letter claiming all this was due to inadvertent errors on their part, XXXX was never ordered and they had now ordered ( 3 months later ). XXXX was completed on XX/XX/XXXX and was assured I would have a determination within 30-45 days. It has now been 54 days with no further correspondence on their part. They are impossible to contact directly and what I thought was poor internal controls and management I now believe is a delay tactic use for financial gain.

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 2022-07-06 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: OK

Complaint narrative:
My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft The information listed does not relate to any transaction that I have made Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Bank is mistakenly reporting me late as of XX/XX/2022. This is a complete error and needs to be rectified immediately. Please see the attached paperwork. This account was paid off on XX/XX/2022 so the late on XX/XX/2022 is an error. There was a payment of {$2000.00} the month prior too ( XX/XX/2022 ). Please remove the late asap please.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  is mistakenly reporting me late as of XX/XX/2022. This is a complete error and needs to be rectified immediately. Please see the attached paperwork. This account was paid off on XX/XX/2022 so the late on XX/XX/2022 is an error. There was a payment of {$2000.00} the month prior too ( XX/XX/2022 ). Please remove the late asap please.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My XXXX XXXX XXXX XXXX  was transitioned to Marcus Goldman Sachs in early 2022. I received communication from Goldman Sachs indicating that I would be able to continue using my credit card until it expired or until my new card arrived. According to the Marcus Goldman Sachs credit card tracker for locating my new card, it was requested on XX/XX/2022. On XX/XX/2022, I received an email from Goldman Sachs asking me to confirm a charge for {$2700.00} at XXXX XXXX XXXX in XXXX, Michigan. I responded by selecting No, I did not recognize the charge ( because I was in North Carolina where I live and have no reason to spend {$2700.00} on phone repairs ). I called customer service immediately and closed the card. I was told that I would receive a new card in the mail and to no longer use the card in my possession. I called Goldman Sachs, numerous times, sitting on eternal hold and unable to speak to customer support. I engaged in chat feature several times, where the chat person tells me that that card has not been shipped yet, and I should see it in XXXX. Yes, it is only the first week of XXXX, but I requested a new card XX/XX/XXXX, and on XX/XX/XXXX, I needed and verbally requested a new card due to an attempted fraudulent charge. It seems excessive to wait two months for a replacement card and not have an explanation why it has not been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: IL

Complaint narrative:
I have updated information : In accordance with the Fair Credit Reporting Act XXXX  Account Transunion, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't 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.The account in question is the XXXX XXXX account has a late payment my profile and Transunion reported that without my consent.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 I made an online payment towards my CitiCard XXXX XXXX in the amount of {$120.00}. 

I called Customer Service on XX/XX/2022 to cancel said payment as it was made in error. The agent handling the interaction said that the payment was refunded and should appear in my account in XXXX business days. 

Refund appeared in the amount of {$150.00}. Due to refund I made an additional payment of {$120.00} on XX/XX/XXXX as planned. 

I chatted Citi customer service because my minimum paymennt increased to {$160.00} for the 2 billing cycles immediately following refunded payment. Agent explained that the change in mimimum payment was due to the length of the billing cycle and would auto-correct. 

On XX/XX/XXXX, I called Citi because my minimum payment never returned to the {$120.00} that was agreed to and discovered that the payment cancellation I requested was processed as a charge to the card balance and debited to my account. This was done without my knowledge, understanding, or an explanation of the ramifications of such a decision. The call was escalated and a Supervisor agreed to provide a {$100.00} credit which would result in my payment returning to {$120.00}. 

On XX/XX/XXXX my statement was made available and my minimum payment increased to {$160.00}, from the initial {$120.00} and erroneous {$160.00}. I called and spoke to a Supervisor who said she could not fix my minimum payment even though i was told it would be fixed by the last Supervisor. In addition, she stated that there was no one else who could assist me in any way and furthermore, that I must pay the {$160.00} even though I was told something to the contrary.

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 2022-07-06 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Company by the name calls me up to 4 times a day i refuse to answer the initial time i tried to communicate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft The information listed does not relate to any transaction that I have made Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I sent a dispute letter regarding an account on my consumer report. They responded by sending me a copy of the following alleged information : original contract, account statements, and account transfer document. I sent them another letter describing how they failed to provide me the required documentation and again they responded by sending me the same documents they did before. It is clear that this company is willfully noncompliant with the rules set forth by the FTC and is in violation of said laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have updated information : In accordance with the Fair Credit Reporting Act XXXX Account Experian, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't 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.The account in question is the XXXX XXXX account has a late payment my profile and Experian reported that without my consent.

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 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account was disputed and removed from my XXXX report. I'm requesting that it is removed or deleted from my XXXX and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I had a late payment in my Credit Report due banking error in my bill pay, I called the lender to explain them and they requested proof. BMW had told me that if I could get a letter from the bill payment company detailing their error, BMW would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The account involved is the following : Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX Capital One XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX These are all companies that should not be on my hard inquiry XXXX account because I did not consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had a legitimate credit card closure for non payment. Eventually this debt was sold to Midland Credit management. The company then went to my local court district and filed for garnishment of my paycheck. Which was taken until the total amount owed was satisfied. The collection agency mentioned above is still making incorrect and fraudulent updates to my credit report so the alleged debt owed is continuing to accrue interest. Ive reached out to multiple employees and the legal team with no solution. They even told me they were able to take my payment right then over the phone. I do not owe this company anything. This is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
MY PERSONAL INFORMATION NEEDS TO UPDATED ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
MY PERSONAL INFORMATION NEEDS TO UPDATED ON MY CREDIT REPORTS

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I continue to get calls from debt collectors and fake lawyers offices saying the debt is now in their hands. They keep saying they are going to serve me with papers and garnish my wages but never send me anything or serve me. They are going to put a lien on my property if I don't pay. I have told them to send me papers so I can see what it is cause I did not take out a loan or line of credit with these creditors ever. They say it was from 2010 with Citibank and XXXX. They want me to make a payment then they will send me the paperwork to sign. They have now started to call my family members. It happens every few months. When I asked them to not contact my family they told me they can contact whoever they want. They get very XXXX when I start questioning them. They say I owe {$8000.00} but will take {$2000.00} as a down payment. The numbers they call from are disconnected a few days or weeks after. The number they called from today was XXXX and asked me to call 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