vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I called to get a paydown quote for my HELCO. I could not pay it down via NAVY Federal 's app or website because it would not allow me to pay more than my balance and did not have an option to pay down. PROBLEM 1.

I went to the bank location and paid the full balance in cash on XX/XX/XXXX. The teller would not apply the paydown overage. PROBLEM 2. 

I called the XXXX and paid the additional pay down amount which equaled in {$60.00} on XXXX XXXX. 

Neither payment was applied until XXXX XXXX and I was changed additional interest. PROBLEM 3 The bank did not catch the error even though the teller left clear paydown instructions. PROBLEM 4.

If my balance would not have been 0 I may not have even caught the error. 

This amounts to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: WV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My first letter was sent XX/XX/year>. 

Despite providing Transworld Systems Inc. with over 90 days to fulfill my requests for proper debt validation, I have yet to receive the following essential documents : Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 
A complete payment history, detailing all payments made and any credits applied to the account. 
A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Instead, I have repeatedly received the same bill statement, which does not address the required details. This is insufficient and does not fulfill your obligations under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX is the assigned loss specialist assigned to do the short sale and since I filed a complaint with your agency, she has been non responsive with the short sale process. It has been months and still no progress.

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 2024-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
There is a collection on my credit report from Sunrise Credit Services for {$290.00}. The original creditor is XXXX XXXX. The first time this account was on my credit report was XX/XX/year>, but says the account was opened in XX/XX/year>. XXXX says they do not have information about this account and can not give me any information about the account. Sunrise Credit Services told me to file a police report, the police told me to contact XXXX for more information, and XXXX told me to contact XXXX. No one has any information about this account but it has remained on 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 2024-10-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was going over my consumer report and noticed hard inquiries that I do not recognize, nor did I authorize, which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not authorize these transactions and would like for them to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was going over my consumer report and noticed hard inquiries that I do not recognize, nor did I authorize, which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these transactions and would like for them to be removed immediately

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 2024-10-10 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial Services credit card used for hotel booking. Hotel didn't have hot water upon check-in, agreed to a 30 % discount in writing. Since hotel, XXXX XXXX in XXXX, XXXX  did not have staff able to refund directly to the Discover card, I initiated a dispute. Provided agreement from XXXX XXXX, in the form of an email, to Discover card. Discover did not resolve the dispute, responding with the vague wording of : " We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I do not believe I owe what you say I owe. In accordance with section 609 validating debts of fair credit collection practices act and also section 623 ( 15 usc 1691s-2 ) responsibility of furnished information I respectfully request that portofoilio recovery provides in wroting the following What the money you say I owe Identify the original creditor Copies of any paper that showed I agreed to pay you with a wet signature Proof that you are licensed in my state to collect this debt Be advised that I am fully of my rights under the fair credit reporting act. If you do not verify this debt I demand you immediately delete from every credit bureaus. Reporting information that you know is null and void once the company charged off as a loss in which the company forfeit any monies and you must get information from the trust who owns the debt of failing to report information correctly violates the fcra 1681s-2 violation 15 usc 1692e ( 11 ). You do know once the

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I BELIEVE I AM VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B, PLEASE REMOVE THE INQUIRIES ON MY FTC 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details 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 2024-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I received an email dated XX/XX/XXXX from XXXX XXXX XXXX regarding an open balance of {$530.00} owed to XXXX ( prior property management ). In that email there was a link to pay balance, however, it did not provide a breakdown of this balance. On XX/XX/XXXX i reached out to XXXX and requested a breakdown of the alleged balance and explained I did not recall owing XXXX any past due rent prior to vacating the property. On XX/XX/XXXX i received a response from XXXX advising they would fwd. my email to the appropriate team for handling. As of today, I have not received any letters or emails providing the breakdown of the " open balance ''. I have followed up with XXXX on XX/XX/XXXX with another email attempt to provide the breakdown and i have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my concern about the disputed accounts on my credit report. Despite raising these inaccuracies several times and requesting thorough investigations, I have yet to receive a resolution or any corrective action. 

These erroneous accounts are causing significant damage to my credit and hindering my ability to live normally. The ongoing impact of these inaccuracies has led to serious hardships, and I urgently seek your assistance in resolving this matter. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is vital that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial situation. 

I urge you to prioritize this issue and take prompt action. Your cooperation in resolving this matter swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.

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 2024-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NV

Complaint narrative:
XXXX XXXX, employee number XXXX from iq data international called me around XXXX pm and tried to collect a debt owed. When I explained to him that I am going through a lot and can not pay he refused to listen so I hung up. He then called me back immediately and started to harass my partner. Before he hung up he said " I'm sorry to whatever happens to you and your wife '' When we called back a few minutes later to get his info, he picked up again and started verbally harassing and threatening my partner again saying " okay then we can just go ahead and put this on your credit ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked what their procedures are if someone is going through a data breach and is experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed ID theft affadavit which I will attache here. The latest data breach has come from Equifax. I also filed complaints with BBB and the Attorney general for consumer protection. 


XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires not authorized : XXXX XXXX  Miscellaneous, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
EASTERNACCOS - XXXX Re : Cease and Desist Notification Dear EASTERNACCOS This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law. 

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
After reviewing my credit report recently, I was surprised to find that the Apple Card/Goldman Sachs bank changed my account status to current. 

I was never notified that it had been delinquent within the 30-day grace period or even after. When I looked at the app, nothing showed as delinquent, and it told me that I could pay early. 

I have previously received notice of delinquency shortly after it was late ( a circumstance arose from charges placed right after I had paid the whole card off ). Additionally, Goldman Sachs/Apple Card reported both the delinquency and the newly paid status in the same month, so I can guess there was probably some confusion on their end. 

If you look into my history with this card and bank, you will see that I have never had issues with payment in the multiple years I have been a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: Credit Karma, LLC
State: TX

Complaint narrative:
Dispute # XXXX - Filed a unauthorized transaction dispute with Credit Karma Chat Support on 10/02/2024 for " XXXX XXXX XXXX  '' for {$130.00}. I do not recognize this transaction nor the merchant, and it has been over a week with no updates yet. I filed the dispute as soon as I noticed the unauthorized transaction and did not hesitate to contact support immediately. The issue is that there has been no follow up since the date of the dispute, and the support period seems to be wildly inconsistent with a past dispute over XXXX months ago, which was solved within the same week. As more time passes on, I worry about the integrity of solving the issue within a reasonable time period for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: MO

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

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 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my latest credit report, I found several accounts that appear to have been added without my authorization.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details 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