vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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: KEYCORP
State: CO

Complaint narrative:
I was at work on XX/XX/2021. While I was at work I received a notification on my phone stating that two charges were made at XXXX XXXX XXXX. XXXX XXXX, CO XXXX. One transaction for {$95.00} and another transaction for {$89.00} both of these transactions were made at XXXX on XX/XX/2021. I already placed a police report with XXXX XXXX police department. No i have never shared my account information with anyone or have never lend my card to anyone. I had my debit card on me the day of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CORELOGIC INC
State: GA

Complaint narrative:
On XX/XX/2021 i contacted CoreLogic PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize CoreLogic or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.

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 2021-10-02 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: NCB Management Services Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I paid NCBI a settlement amount of {$1300.00} with a Visa card ending in XXXX after being advised they do not accept XXXX XXXX for the account. I received a confirmation number XXXX for the XXXX payment and was told the account was settled and I would receive a XXXX balance letter. While still on the line with the Supervisor/Manager XXXX XXXX I received notice the payment also went through with XXXX XXXX XXXX She advised to chargeback the XXXX XXXX payment. 
Her contact information is : XXXX XXXX XXXX I did as instructed and completed a chargeback for the double payment. 

On XX/XX/2021 I called in and requested a XXXX balance letter because it had not been received, I spoke with Supervisor XXXX XXXX and was told I would receive it, on XX/XX/2021, I called again and spoke with XXXX XXXX because I had not received the letter and my credit reports had not been updated. On XX/XX/2021, my credit reports updated to reflect that there was a XXXX balance, but I still did not receive the letter. 

On XX/XX/2021 my credit report updated again with a new balance of {$4100.00} and derogatory status. I received a letter dated XX/XX/2021 about the charged back amount and that the balance due was {$4100.00}. 

I called again on XX/XX/2021 and spoke with XXXX XXXX because of this new issue and the fact that I still had not received my XXXX balance letter, she was very apologetic and assured me it would be taken care of within 24-48 hours and I would have my XXXX balance letter and my credit reports would be updated. 

As of today XX/XX/2021, I still have not received my XXXX balance letter and my credit reports are still showing a derogatory balance of {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On XX/XX/2021 i contacted Chex Systems to request that the company place a security freeze and refrain from sharing any of information about myself, XXXX XXXX. I did not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. I would like to have my entire credit profile removed from the data institution.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.

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 2021-10-02 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This company refuses to validate the debt. I have sent a letter to them disputing the validity of the said debt. I requested that they send me information proving that I owe what they say I owe. The did not comply. This is in violation of the FDCPA. I have disputed the debt with the 3 major credit bureaus and they continue to report an invalid debt. This is in violation of the FCRA. I will have to peruse litigation if they continue to report this invalid debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2021, I consumer XXXX XXXX received a notification that NAVY FEDERAL reported negatively on an account that is being disputed. That is a violation of the federal law, 15 USC 1666a ( b ), 15USC1666b ( a ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ). I contacted NAVY FEDERAL on XX/XX/2021, to resolve this issue and remove the late payment in which they refused. I informed the supervisor XXXX, who refused to inform me that she was a debt collector, which is also a violation of the law. NAVY FEDERAL was ordered to CEASE AND DESIST communicatin with any third parties, in which they acknowledged reciept of such letter on XX/XX/2021 ; at this time they are in violation of that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This is my 2nd complaint. I have requested validation of the alleged debt, not verification, in writing twice. The company is either unwilling or unable to do so. This is a violation of the FDCPA. I have disputed with XXXX. This company continues to report to XXXX which is a violation of the FCRA. They have removed it from XXXX but not XXXX. They have had months since my last complaint to either validate the debt or remove the credit bureau listing. Simply sending a copy of a bill is not enough. This bill goes back to when the utility company was own by a different company. This bill shows service being billed while I had an active account at the same address. This bill has only one number different in the account number. I believe this to be a mistake. A bill does not provide enough information for me to research my own records. There is nothing that proves I ever agreed to be responsible for this alleged debt. I have exhausted my resources and I will be pursuing litigation shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Investigation took more than 30 days
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my 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 XXXX data breach and may have gotten Into the hands of the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My husband went to XXXX  XXXX to view a car. I was not present. 
XXXX XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My husband went to XXXX XXXXXXXX to view a car. I was not present. 
XXXX  XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
SANTANDER CONSUMER USA Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
I opened an account with Current to be able to give my teens an allowance on a debit card. This is a service I paid for. I set up my account with my regular bank account and debit card. The debit card expired and the bank account kept saying I had to reverify to work. It wouldn't reverify. So I contacted Current 's customer support. They kept telling me to just reverify. Well, that was the whole reason I contacted them. Then they manually removed my bank account for me to re-add it. Now it can not be added at all, and they won't add a new funding source in the form of a debit or credit card. So I have paid for a service that they are not providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 XXXX reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
In XX/XX/2021 our VA mortgage was sold to Freedom Mortgage. XX/XX/XXXX my husband was contacted by XXXX at Freedom Mortgage asking if wed like to refinance. We told him no, but then on the XXXX XXXX emailed me a loan application to sign- even though we told him NO. Then today ( XXXX ) in the mail was another loan application. I do not want to refinance and even though he was told that he completed a loan application on my behalf without my permission! His full name is XXXX XXXX XXXX XXXX XXXX. 

For reference purpose, when this is passed on to Freedom Mortgage, the loan number at the top of the loan application says 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 2021-10-02 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: CBC Companies, Inc.
State: TX

Complaint narrative:
My local bank run a credit report for us to process a loan request, and we found out that there are two accounts listed as sent to " collection agency/attorney ''. These accounts are : 1. XXXX XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$670.00}. 
2. XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$370.00}. 
Neither my husband or I have opened an account with XXXX XXXX XXXX or XXXX XXXX this year or in the past few years. 
Additionally, the credit report list an employer for either my husband or I as " XXXX XXXX XXXX ''. Neither one of us had worked for this employer. 
We presently do not have an account with XXXX XXXX XXXX at all. We have an account with XXXX XXXX which was opened in XXXX and is still active with no late payments ever. 
I believe these two accounts belong to someone else other than my husband or I. I am not sure if due to fraud or similar names. I need the credit agency to investigate these two accounts. I have called both XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX and neither one of these companies can find the accounts listed in this report under our profiles. They stated we would need an account number to help clear out any issue. However, we could not produce an account number as we DO NOT have an account which was opened in XX/XX/XXXX for either of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
On XX/XX/XXXX all payments and interest should have been stopped on all federal student loans by order of the federal government. AES, my loan servicer has continued to seek payments, collect interest, and capitalize on that interest. They also say I'm 2 months past due and owe them {$150.00} on XX/XX/XXXX. They have also been harassing me with numerous phone calls resulting in me having to send all calls to voicemail. All of this should have been stopped, period.

Company response to consumer: Closed with explanation