vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account in accordance with FCRA 1681b ( a ) ( 2 ) Additionally, How can the Last Payment report XX/XX/XXXX and report a no late payments until XXXX XXXX XXXX XXXX XXXX  120 days late Remove this account for inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account in accordance with FCRA 1681b ( a ) ( 2 ) Additionally, How can the Last Payment report XX/XX/XXXX but payments report as made OK for months XX/XX/XXXX thru XX/XX/XXXX. 
Remove this account for inaccurate reporting. 

Please investigate and send me a complete Updated Trans Union 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
Consumer complaint received 2023-09-29 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: CA

Complaint narrative:
I went to XXXX with my children and sister the XXXX of 2021. I had prepaid my trip, thru my timeshare the year before, but when I got to XXXX, they claimed they didn't have the reservation. After XXXX if going back and forth and the timeshare sending them the information ( the hotel XXXX XXXX ), which they claimed they didn't receive, I was charged again for the room. The room wasnt what it was supposed to be and most amenities were not available as promised. I learned it was fraud and my bank Navy Federal, has fraud protection. I had even called while still in XXXX. I gave them all the documents when I returned and because of how the hotel wrote the receipt, they refused to help me. This is not okay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: FL

Complaint narrative:
I and my husband XXXX XXXX are victims of Identity theft. Our information has been stolen and used without permission.

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 2023-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc.
State: NJ

Complaint narrative:
My original mortgage was re-sold to Valon Mortgage as of XX/XX/2023. 

XX/XX/2023 : Valon request condo Insurance XX/XX/2023 : I provide documentation of condo/building insurance as par t of my HOA requirement. 
XX/XX/2023 : Valon reports me late due to lack of insurance, and charges me + {$420.00} for insurance & late fees. I call Valon helpdesk and walk through steps on how to bring account up today. I agree to pay the {$420.00}, until Valon is able to process my proof of home insurance by HOA documentation. Was told that the extra $ will be credited to the following month. 
XX/XX/2023 : Same process as May ... re-submitting Insurance documentation, reporting me as non-payment even after receiving email that payment was received and applied. New request from Valon that I need XXXX insurance. ( I have lived in my condo for XXXX  years gone through various mortgage buy-outs and was never required to have XXXX insurance. I called Valon and after many calls a representative helped me open a ticket for someone to investigate my case and provide a detailed explanation. 
XXXX XXXX No communication from Valon -- late fees increasing. 
XX/XX/2023 : provided Valon proof XXXX insurance and request late fees to be remove and credit for their mandated insurance. 
XX/XX/2023 : Valon has not had a representative review my case in details, communicated with me via email nor telephone call. 
Company keeps bouncy me and providing genetic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
On the night of XXXX XXXX I was scrolling on XXXX and I saw these two girls I went to school with names XXXX XXXX and XXXX XXXX were posting on their XXXX  stories how they invested XXXX $ and received back {$5000.00} through an investor on XXXX named XXXX XXXX. In addition, I messaged XXXX XXXX because, I know her personally and I thought I could trust her in addition, XXXX XXXX claimed how she invested XXXX $ and received back {$5000.00}. As skeptical as I was I asked XXXX if it worked and if it was not scam and XXXX claimed that it was 100 % legit and so I messaged the XXXX  account XXXX XXXX and I asked her how the process worked and XXXX stated that I would just send her XXXX $ and receive XXXX XXXX So I sent XXXX XXXX $ through XXXX XXXX and XXXX stated I now owed the IRS XXXX $ for the processing of the XXXX XXXX So I asked XXXX if I could back out of this process because I felt that it was a scam and It felt wrong, so I asked XXXX if I could have a refund of the XXXX $ in addition, XXXX stated that I couldnt receive a refund due to the fact that she and her manager had already processed the XXXX XXXX So I sent XXXX the XXXX $ through XXXX XXXX and then she was demanding XXXX $ from me because, Cash app charges XXXX $ for insurance fees to send the XXXX $ in addition, XXXX also asked me to add her email address onto my XXXX  account and I told her No, that It was a scam and thats how hackers, hack into accounts. So I messaged XXXX XXXX and asked her if she did this whole process and added the email address to her Instagram account and XXXX XXXX stated that this is part of the whole process to receive the XXXX $ in addition, XXXX XXXX sent me a screenshot of her cash app of how she received payment from XXXX XXXX. In addition, I blocked XXXX XXXX and Her Manager because, I had enough and XXXX manager would not stop calling me after I blocked him and I messaged XXXX XXXX stating that I will press charges against XXXX and her manager if they contact me one more time and XXXX XXXX stated why would I do such a thing and that XXXX and her manager will press charges against me and that I will get into so much trouble due to the money I owe them. I believe what they are doing is wrong it is fraudulent activity and scamming people and what I find it weird is how XXXX XXXX a girl that I know personally and went to school with did not get scammed and yet I did. In addition, XXXX XXXX found out first that I blocked XXXX XXXX and stated that XXXX would not stop messaging her after I blocked XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Submitted complaint on or about XX/XX/XXXX  it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). Trans union and XXXXXXXX XXXX XXXXXXXX are in violation. Both entities are in Default and Dishonor.

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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I requested a funds transfer from my XXXX XXXXXXXX XXXX checking account, to my linked bank account, The XXXX XXXX ( Chime ), in the amount of {$400.00}. Then on XX/XX/XXXX, I requested another transfer of funds, to the same bank account, XXXX XXXX XXXX ( XXXX ), in the amount of {$390.00}. I was supposed to receive the funds XXXX business days later and never received anything. XXXX sent me an email on the XXXX of XXXX stating that my deposit has been returned due to mismatching names on the accounts. XXXX ( Bancorp ) said they never collected any money from First Citizens Bank and to contact First Citizen 's to see when will my money be recredited to my account. First Citizen 's is saying once it's been processed, it's out of their control. Both banks are refusing responsibility for my lost money. I have not been given any courtesy from either banks. No bank has protected my missing funds by crediting me my funds back and have left me in a problematic situation with my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On or around XX/XX/2023 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report 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 2023-09-29 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: IA

Complaint narrative:
XX/XX/XXXX  I disputed account with XXXX asking to verify or delete account immediately as I do not recall having account open. It's been over 60 days and I have not received verification documents. I have been fraudulently contacted by unauthorized credit collection companies in the past that now I ask full verification on all debts that I do not recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: CO

Complaint narrative:
XXXX i called XXXX  XXXX to discuss my account. They advised me my balance was {$730.00}. I went ahead and made a payment of XXXX dated XX/XX/23. I called again the next day I wanted to pay off the amount of XXXX. They cancelled the payment and advised me that the new payoff would be {$880.00}. I asked XXXX XXXX supervisor ext XXXX how the balance got so high in 1 day. XXXX XXXX was very rude. She said that she was not going to take the pay off of {$880.00}, she said the new Payoff to {$1600.00}. I begged her not to pay {$1600.00} and she advised me to pay {$880.00} which is {$140.00} more than the amount given day before. Can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-09-29 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: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NC

Complaint narrative:
I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork to the credit agencies according to the FCRA. My disputes are not being filed correctly and my paperwork is not being attached to the disputes. And I am not getting copies of the verification process

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I requested on XX/XX/2023 that the following hard inquiries be removed from my credit report because I did not give these companies consent to pull my credit report. 
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 XXXX XXXX XXXX in return the sent me a letter dated XX/XX/2023 stating that the inquiries are factual, which they are absolutely not. with a copy of my credit report showing that i do not have any accounts with the following companies listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express Gold Card with XXXX XXXX XXXX for 15 years. 
Pay card off in full on line every month. 
Did so this past month, scheduling the payment before the due date. 
For some reason unknown to me, the payment did not go through. 

I discovered this 2 days after the due date and called to pay it in full immediately, which I did. They charged me over {$200.00} in interest and my credit score has been affected. 

My paying on line and using on line statements saves the company money! I should not be charged interest or late payment fee for this glitch. They did agree to not charge the late payment fee of {$40.00} but said they " could not '' waive the interest fee. 

What recourse do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Social Security is trying to give Money to XXXX and Navy federal and XXXX XXXX and XXXX for the policy scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief