vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: AK

Complaint narrative:
I am called daily XXXX  days a week, sometimes XXXX  a day at different times by Discover. XX/XX/XXXX I was called twice ( XXXX and XXXX ). XX/XX/XXXX I was called twice ( XXXX and XXXX ). I was called once on XX/XX/XXXX and XX/XX/XXXX. I was called twice on XX/XX/XXXX ( XXXX and XXXX ). I was called XXXX times on XX/XX/XXXX ( XXXX, XXXX, and XXXX ). All communication is to the same phone number, no other methods. At this rate and frequency they are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: NJ

Complaint narrative:
Front desk at XXXX XXXX XXXX XXXX XXXX stated insurance would cover 100 %. I told them my insurance would not cover any of it. They insisted it would cover 100 %. I asked them how much is it worst case if they cover 0 % and they stated {$75.00}. After several visits, I began receiving bills for more than {$75.00} per visit. 

Total amount owed by me should be amount of visits times {$75.00}. I called the front desk staff to correct and they said there's nothing they can do since it already went through insurance, covering 0 %, and I need to call their billing department. I then called the billing department around XXXX different times, eventually asking for a supervisor. Every time they said I would receive a call back once a supervisor is free but I never once received a call back. 

I then started receiving collections notices. I replied within the XXXX  days checking the box " The amount is wrong '' and sent via certified mail. I never received a response regarding the amount, instead I received the same exact debt collection letter stating I again need to reply within XXXX  days but it had new dates listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I do not have now, nor have I ever had a credit relationship with Fair Collections & Out Sourcing. A debt verification is warranted that must be accompanied by a judge and court order, if one can not be provided -- please remove this erroneous information from my credit file as it is impacting me both financially and mentally.

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 2023-05-24 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Between XX/XX/2023 through XX/XX/2023 my credit card was used with this business for over {$4000.00}. I have reported to the company Synchrony that these charges were fraudulent. I filed a claim with the credit card company and XXXX. Claim was denied. This is apparently an online betting service. The XXXX company refuses to give any accounting of any accounts that they have attributed to me. The company has several complaints about the same thing that happened to me. XXXX has received over {$4000.00} from this credit card in small increments within 7 days. This activity is not like any activity I have ever had with any synchrony card. This should not have been allowed to go on without speaking to me at the very least. I called the fraud department after they rejected my claim. This card per its terms of service has a protection against this exact thing and also says the same thing on the letter I received about my claim. I requested they send me what XXXX provided the bank that allowed them to deny my claim and to see what information they received I was told they had no documents and the company just said they verified my email address and simple things like that, but nothing else. I was told that they had no documents they could send me to show me what information was used about the XXXX transactions that allowed them to deny claim. They said they could not send per policy. I asked that I be sent that policy. She said she couldnt. I asked who her boss was and she said she did not know. She did say they reopened the claim, but I do not see any evidence that it has. The funds that I have filed a claim on are not removed from the credit card, which is affecting my credit score in a negative way.

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 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: OK

Complaint narrative:
We are trying to pay our mortgage through Bill pay through our credit union. Our credit union keeps returning payments to our account because we have been given 3 separate addresses to send our payments to. One on our statement which gets returned, one from the website and one new one from a representative on the phone. We keep getting late notice and calls but we are concerned and upset that bill pay for XXXX is so hard when we do not have this problem with our other payees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I wired transferred XXXX to Navy Federal Credit Union to XXXX XXXX, XXXX to Act. No XXXX, XXXX. No XXXX. Her address is XXXX XXXX XXXX, XXXX, XXXX XXXX. The money was supposed to be for a cruise for the fans of XXXX XXXXXXXX XXXX. I got sent a ticket but it was bogus. I notified both cruise companies listed and confirmed that with them. I filed complaint with FBI an I9 or IC. I noticed my bank who got in contact with Navy Federal Credit Union. Nothing has been done. XXXX XXXX XXXX notified me saying I called back the funds so she was not sending me my money. I asked her for proof that the money was sent back but she refuses. I checked with my bank and nothing. So either Navy Federal Credit Union kept my money or XXXX XXXX did and now she is saying that XXXX XXXX XXXX will contact me. So obviously the manager XXXX XXXX with XXXX XXXX from XXXX  is involved in all of this also. XXXX XXXX XXXX is ex XXXX and shouldn't be that hard to track down. I'm sure the XXXX wouldn't appreciate knowing one of their own is out there scamming people out of their money. The people involved were XXXX XXXX @ XXXX XXXX and XXXX on XXXX both those accounts are linked. Then XXXX XXXX  on XXXX. Also, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX is refusing to give me my money back same with Navy Federal Credit Union. They have no proof that money was returned to me. MY bank can confirm that.

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 2023-05-23 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I live on XXXX XXXX and took a direct hit from Hurricane Ian. I called them when I was able to finally get phone service back and they told me they weren't reporting late payments for 90 days due to Ian. I have always and am currently in good standing with them. This is holding up my credit as I'm trying to buy a house. Indigo Credit Card with Genesis card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
If you look at there report XXXX they made an assumption of contact even thought my credit report said on XX/XX/XXXX XXXX I was in XXXX This was atleast a few months later after they purchased the alledged debt. In this report they said they didnt receive a validation request obviously because you mailed the letter to a XXXX XXXX when I was in XXXX XXXX this assumption it your error not mine. Under the law you must not assume contact you have to provide proof of contact. Please provide proof that I received the letter I have provided proof of address and court disposition of sentencing stating I was in XXXX  XX/XX/2016 .. your company is clearly violating the law with out no accountability. Secondly any debt I had is over 7 years old remove the debt. And I have not been given my credit file contract or payments also in clear violation. I dont need it provide it to the credit reporting XXXX since they seem to believe your company is in good faith investigating the matter.. I want everything payments binding contract .. with the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-05-23 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been called XXXX separate times by Comenity Capital Bank in the last XXXX hours. They call from no caller ID, and also from numbers that look similar to my contacts. They never leave a voicemail and call back to back repeatedly. I have XXXX full time jobs and this type of harassment is something I do not have the time for. I have asked them multiple times to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction with the unprofessional and abusive behavior exhibited by Hunter Warfield , Inc. representatives during their attempts to collect a debt. 

On several occasions, I have been subjected to rude and offensive language, which is not only inappropriate but also a violation of the Fair Debt Collection Practices Act ( FDCPA ). The Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from consumers. 

Furthermore, despite my requests, Hunter Warfield , Inc. has failed to provide me with a debt verification letter. This is a clear violation of my rights under the FDCPA, which mandates that upon a consumer 's request, a debt collector must provide a validation notice detailing the amount of the debt, the name of the creditor, and the consumer 's rights under the FDCPA. 

Lastly, I have come to understand that Hunter Warfield , Inc. is not licensed to collect debts in the state of Alabama. This is a serious concern and a potential violation of state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: MI

Complaint narrative:
someone attempter to apply for a credit card in my name... .Spoke to XXXX  Bank and they put a fraud alert but it is showing as an inquiry and that will harm my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-23 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: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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 — Their investigation did not fix an error on your report
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
After divorce my ex-wife which was finalized and judge signed it XX/XX/XXXX I took a copy to America first about the XXXX XXXX XXXX I had cosigned on my wife and I was married she left me a year after I bought it I divorced her and I found out that she filed XXXX  XXXX and she pays a creditor now I want off that cheap I do not want it on my credit report she assumed responsibility when she left with the XXXX I never had a position she made that choice and the judge did sign that he feels the same way. The credit union told me she has to take out a second loan or she can't do that when she filed bankruptcy XXXX  XXXX we know that so do they..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX of XXXX I notified the companies of the inaccuracy. After being notified of my credit score in XXXX, I again notified the companies of the inaccurate accounts, it is still reporting as of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Reported a Contractual Dispute as a " Loan More than 90 day 's late '' All payments to XXXX were made via Auto Pay collect the XXXX of each month by XXXX. 
After many complaints to XXXX about lack of cell service in my areas and lack of credit where due as per contract. Nothing was ever taken care of by XXXX. I was forced to leave XXXX and went to XXXX XXXX XXXX on XXXX XXXX. 
XXXX filed nonpayment 's complaints 5 months later on into XXXXXX/XX/2023 for {$490.00} an amount subject to Arbitration '' as it is an " Contractual Dispute '' Not any type of Loan nor any type of late payment. 
XXXX failed to credit {$500.00} trade in phone amount, failed top give as agreed {$350.00} Visa Card, Failed to credit back account for the charges of a XXXX XXXX XXXX XXXX XXXX. all this were promotional items, Them also the XXXX coverage was next to none at my own home, XXXX, CA XXXX miles XXXX XXXX XXXX, CA, bad or none in XXXX XXXX CA, none in XXXX, CA, very poor in XXXX XXXX, XXXX XXXX XXXX. I was not able to continue with a company that clearly was failing to provide even the basic of service. Now they further rub salt in the wound as to file charges against me in my stellar credit reports of many excellent on time never late payments,

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 2023-05-23 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.

Complaint narrative:
XXXX XXXX XXXX my credit score credit report everything is incorrect.I have XXXX  sister named XXXX XXXX. We both have different social insurance number. Different credit cards different stuff. But my account has all her cards her enquires affect my score and my account.same thing with her as well she can see all my cards and enquires.which means even though we are 2people with two accounts.credit monitoring company made it all together .from now on whenever am trying get a car loan or house loan its coming my way. We both cant get to anything. I tried calling XXXX and XXXX several time did even mailed them a letter to Toronto.nothing is happening and its really frustrating.credit monitoring has to take this responsibility of making such a huge mistake its really affecting my identity

Company response to consumer: Closed with explanation