vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Today XX/XX/XXXX XXXX is still investigating, while XXXX is still allowing the Navy Federal Credit Union to post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with XXXX as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Today XX/XX/XXXX XXXX is still investigating, while XXXX is still allowing the XXXX XXXX XXXX XXXX XXXXo post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with Transunion as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
ON XX/XX/2022 SEND XXXX, XXXX, AND XXXX DOCUMENTS REGARDING FRUDULANT ACTIVITY ON MY CREDIT REPORT. ALSO CONTACT CAPITAL ONE ACCOUNT AND THEY TOLD ME HAVE NO PROOF OF AUTHORIZING CREDIT CARD ACCOUNT. ASK THEM TO VERIFY ACCOUNT IN WRITING HAVE YET TO RESPOND. CAPITAL ONE AND CREDIT BUREARUS. PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX  they said that I owe them {$59.00} because I'm late on my service but I have never had service with them. I already made a dispute with the credit bureaus and I talked to I.C. SYSTEM and they said they cant solve anything for me because their system says I owe them and thats final.

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 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TX

Complaint narrative:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I had cancelled a subscription to XXXX months ago. I filed a dispute with my bank ( bank of America ) and the funds were refunded to me. Then out of no where they pulled the funds again over-drafting my account. It should be noted that BOA will not let me personally over-draft my account but they feel entitled too do so. This was after I sent all relevant information proving the subscription was canceled. Their solution instead of refunding my funds was to allow my account overdraft protection, or at least thats what was said to me but yet I still have no received my refund and they will still not allow me to overdraft. I want my money back. I work hard for every XXXX I make I cant afford them taking over {$100.00} and then refuse to let me overdraft like they do relegiously. Something needs to change. If I have too I will hire a lawyer but it is my understanding this is the purpose of this particular government agency so Im hoping you can get my money back if not Ill contact my senator and ask his what it is you are supposed to be doing in that office of yours.

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 2023-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
they are incompetent and are not processing my PSLF applications correctly. I worked at XXXXXXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and they missed the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the form covered from XXXX to XX/XX/XXXX. 

I also turned in a form from XXXX that covers XXXX and XX/XX/XXXX and next month I will turn in for XX/XX/XXXX and I qualify for forgiveness. Some incompetent closed all my forms out except for 1 and I had two forms for two different agencies that has to be processed. They left XX/XX/XXXX form open and now the 90 days starts over I had to submit two more forms today. If they can not properly handle student loans they don't need that contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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 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.

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 2023-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Someone has assumed my identity to apply and receive credit without my knowledge or consent. This has caused financial hardship to my credit profile

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 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services sent me a letter to collect a debt I do not owe. I don't have any accounts that are due other than what's on my credit report. I tried to file a police report but the police department said they can not help me. I am a victim of identity theft so Phoenix Financial Services may have obtained my information that way. I filed a dispute with XXXX because Phoenix Financial Services reported me as delinquent on the debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
On my credit report, I saw a negativeaccountfrom XXXX XXXX, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from Ture Accord ( the company XXXXsaid they sold the debt to ) that is a violationof federal law.I can assumethat both XXXXand TrueAccord know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. 
Becausenow XXXX and TrueAccord are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. 

This is no way that a XXXX XXXX XXXX, XXXXXXXX XXXX all parties involved should be ashamed of themselves

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 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Email : XXXX, XXXX XXXX amount XXXX. I responded that it is not my account to stop sending these email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I charged a client {$650.00} total for my services. {$150.00} upfront and {$120.00} every two weeks unit we reach the total. The client got services then disputed with cash app. They refunded {$370.00} to the client. I have all the paperwork and messages between myself and the client. I was told by cash app that anyone can just dispute and ask for a refund and they would award it without any type of investigation. How can you refund money to someone that sent money to you 5 times but claiming that they didnt try to. I just want my refund. i have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: PA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account the company 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
They didnt take my deposit when they where supossed to wotch caused me to have a deficit witch now they wont let me sell my possitions without XXXX  them a significant penalty to were any withdrawal or if I sell accests they get my money the company is robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 — Problem with personal statement of dispute
Company: Automotive Leasing Specialists, L.L.C.
State: LA

Complaint narrative:
XXXX XXXX  which is located on XXXX XXXX XXXX has never once reached out to me. I went into the office on XX/XX/2023 still recovering from XXXX. I was spoken to in a very ugly way and also the lady asked what was I paying on my debt today. I explained to her that she has no right to speak to me in that tone or manner because Im clearly trying to understand why shes bring irate when I have no debt with this place. This particular blonde hair lady went on to say she doesnt work for me but the ( meadows ) which is a slum area owned by former slumlords. Most people like myself who know they arent lying wouldnt waste their time going into the office to clear their name. This blonde haired lady said Im suing you and I told her to go right ahead. Im on social security and I think its sad that they lie on the poor. I would like to sue this company if they dont take this off my report. I understand XXXX XXXX makes money by agencies like these that threaten you but I dont take kindly to threats.

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