vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My commitment has always been to ensure timely payments on this account, avoiding any instances of overdue status. The reasons behind the reported late payment remarks on my accounts are uncertain to me. As per 15 USC 1666b - Billing Error, corrections should be enacted.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consistently, I've guaranteed timely payments on this account, avoiding any lapses into overdue status. The rationale behind the reported late payment remarks on my accounts remains unclear. In accordance with 15 USC 1666b - Billing Error, adjustments should be implemented.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Throughout, I've diligently maintained prompt payments on this account, preventing any overdue instances. The reports of tardy payment comments on my accounts puzzle me ; I'm uncertain about their origin. Per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My track record speaks for itself : I've consistently ensured that payments on this account are made promptly, without allowing any to fall overdue. The presence of late payment remarks on my accounts confounds me ; I'm not clear on why they're there. According to 15 USC 1666b - Billing Error, rectifications are necessary.

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 2024-04-23 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting ASct this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION ) has violated my right under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MIDFIRST BANK
State: OK

Complaint narrative:
Received {$1500.00} for an XXXX XXXX. I told them that I had not. They asked if I was up in the XXXX United States and made the computer purchase. I told them that I had not. Then they transferred me to what was supposed to be MidFirst Bank to XXXX XXXX at XXXX. After he asked some questions that I was uncomfortable answering told him that I needed to call him back. I called my local MidFirst Bank and asked about the {$1500.00} purchase via XXXX. My bank told me that no purchase had been made at this time for this amount and/or via XXXX. While I was on the phone XXXX XXXX called me several times and did not answer as I was on the phone. After talking to my bank, I called XXXX and XXXX XXXX answered. I told him that what he was claiming about the XXXX purchase was a fraud. 

I am concerned about avoiding any charges, etc. 

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 2024-04-23 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: TX

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my 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 2024-04-23 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: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Collection Management LLC
State: FL

Complaint narrative:
The XXXX data breach occurred between XXXX and XX/XX/XXXX at the XXXX credit bureau XXXX. Private records of XXXX XXXX Americans along with XXXX XXXXXXXX XXXX citizens and about XXXX XXXX citizens were compromised in the breach, making it one of the largest cybercrimes related to identity theft.

My information was part of the breach. In XXXX I was getting alerts my email was found on the Dark Web. 

In XXXX the XXXXXXXX XXXX XXXX located in XXXX NY has filed and obtained a judgment against me and states I waived all my legal rights. This debt doesn't show on my personal credit report since I have frozen all 3 to thwart any attempts of being a victim of identity theft. After speaking with a lawyer, this appears to be a fake judgement, filed in NY even though my old address is still FL - using paperwork I never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect employment listed

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 2024-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ALLEGED ACCOUNTS BE REMOVED IMMEDIATELY. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
Attempted twice now to dispute the amount but company just sent the same notice that they intend to sue if the debt is not paid. Made a payment on the account and filed a complaint with Consumerfinance.gov as they will not allow me dispute violating the Fair Debt Collection Practices Act. Received another letter following the report that another payment is required or they plan to send to an attorney which I believe is retaliation to the complaint as I already Made a payment this month on the XXXX while I was attempting to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
The Company explained that someone filled out a credit card application ay XXXX on XX/XX/2024. We went through all my identity information and they said the person applied with all my correct information. I informed them that I did not apply and I was in a meeting with my staff at XXXX and I asked them to put a stop to it. The person removed the application and asked me to send an email to their back office email to be sure. I followed instructions and I am waiting to hear back.

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 2024-04-23 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

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 2024-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Under 15 US code 1650 deceptive contract.. this vehicle was given back and sold in auction.. I was not responsible for anything afterwards.. please remove this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
I have requested a complete analysis of how my payments into the escrow account have been applied since Roundpoint Mortgage acquired my loan. They will not provide me the info requested. They have repeatedly provided me since XXXX of 2023 to be inaccurate information and not clear communication. The company will not provide this information. They have the ability but refuse 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
XXXX XXXX called from XXXX from XXXX XXXX XXXX called to say i had a repossession for a vehicle from 1999. Would not tell me the vehicle. said loan was from Americredit and that they were suing me and putting a title lien on my current vehicle with a lien held by XXXX. Also advised they need a list of all vehicles in my name and I would have paperwork in the mail in XXXX. 

I XXXX  and everything says this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had credit fraud an my information has been compromised to eqifax an XXXX I am asking for all the inquiries be removed I dont own no car loans let alone if you see they keep going to same dealer or keep applying online or however they do application director so many inquiries it had been taking for ever to get off my credit I can appreciate a letter saying or asking all XXXX credit bureaus to remove all inquiries from my report cuz XXXX had ask to finally contact yous an let you know I never been to dealers i have credit card I never received or had my only credit is XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX as far at XXXX XXXX anything else is not mine I like for inquiries to be remove Thankyou Im to old already Im am working with all XXXX bears to get this nightmare resolved as try make sense best as seeing Im XXXX if the word dont make sense my plans are this resolve an then freeze my credits I can be reach at my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reviewed my credit report and found hard inquiries from the listed companies on the attached file. Unfortunately, I have not been monitoring my credit as I should, but I did not approve or give them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I reviewed my credit report and found hard inquiries from the listed companies on the attached file. Unfortunately, I have not been monitoring my credit as I should, but I did not approve or give them permission to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Giact Systems, LLC
State: CA

Complaint narrative:
I am formally requesting the full consumer file that the Giact currently has on me pursuant to 15 USC 1681g ( 1 ). I request this file be sent within the next 30 days. I have attached a copy of my ID as proof that I am the person requesting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Wayfair sent a defective item XXXX for which I requested to return for a refund. Wayfair customer service contacted me and stated that they would refund me for the item and they did not want me to return the item. I have emails proving this. Several months later wayfair began contacting me by email and harassing me saying they reversed the refund on the credit card. I canceled the credit card and they sent a debt collection to XXXX XXXXXXXX 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 2024-04-23 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: DISCOVER BANK
State: KY

Complaint narrative:
Discover reported my information to XXXX again. This problem has been going on for several years. I kindly ask to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-24 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: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. XXXX provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the state. 
Send this information to my address listed above and accept this letter sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation