vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 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 purpose. 
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 2023-04-26 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 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 purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have a credit card account with Discover and I had deselected autopay in their app on the XXXX of XXXX of this year. The beginning of XXXX I am charged again, so I go back into the app to deselect autopay and find that I can not so I assume that I misremembered and logged in online through my browser. The option to unenroll from autopay displays in the browser so I deselect it and save changes and assume that everything is done. I truly believed I had misremembered due to stress. I had 8 years experience with being lied to and misdirected as of last year, I won't let anyone treat me like XXXX had ever again, and I spend 4 days ruminating about if I actually misremembered or was I remembering correctly. XXXX I am charged again, but this time I know I've unenrolled! I log into the app, no option to unenroll displays but instead a link to a help article and I am frustrated. I delete my financial institutions from the Discover app, and call customer service. The representative can only see when I've logged into the system, and dates are missing, and I request to have my call transfered to a tech dept or similar as the issue with autopay is not a user error and I need those funds back to file in court against the company that over-charged my Discover card! My call is disconnected after the person I am transferred to confirms my account and identity. I had been allowed a refund, which has posted to my account, but I know others who have had similar functionality issues with financial institution digital access portals, and do not trust Discover to take me seriously. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
i was never late on my accounts i have dispute several time on these account and charge off account is reporting on me as well i have dispute these account several time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
On XX/XX/23 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
Voss & Klein XXXX XXXX XXXX XXXX, XXXX XXXX, FL sent me a letter attempting to collect payment for a bill from XXXX XXXX which I do not owe. The former management of my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, sent XXXX XXXX to my condo to repair a major water leak. It was determined that the leak originated in the unit above mine and that the pipe through which the water was flowing was the responsibility of the HOA to repair. Voss & Klein claims I did not pay for the repair, however, I did NOT receive a bill, the invoice was sent directly to XXXX XXXX. I actually called XXXX XXXX because I needed a copy of the report on the invoice in order to put in a claim for damage to the floors in my home and I was denied. XXXX XXXX told me to get a copy of the invoice as they were responsible for bill payment and the client of XXXX XXXX. I submitted the invoice billed to XXXX XXXX : invoice # XXXX in the amount of {$480.00} dated XX/XX/22 to Voss & Klein as proof that I did not owe anything. In spite of my attempt to get this resolved Voss & Klein sent me another threatening letter claiming I owe {$690.00}.

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 2023-04-26 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: MS

Complaint narrative:
I contacted Transunion, XXXX XXXX XXXX XXXX XXXX XXXX regarding information listed on my credit report such as name, address, ssn, inquiries, accounts. They have compromised my identity yet again and continue to list ssn and other identifiable information including accounts not listed in my name or belonging to me on my credit report. A ssn ending in XXXX is listed on my report along with the name of the individual. Not only is this listed under me I have an active fraud alert and police reports due to this dated back to XX/XX/XXXX and XX/XX/XXXX being the most recent. These companies were notified of these police reports and continue to compromise my safety and identity. They have accounts on my credit file tied to addresses in which I have never had accounts or live. They have information on my credit over 10 years old and continue make updates to account monthly listing them as charge offs that are inaccurate! I have recordings of ever person I spoke with by phone!

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a name change a decade ago, which I can provide documentation for - I have a court document. Before this time, I was able to take out student loans, and since then, I have been able to open a couple of chequing accounts. 

However, one of the three credit unions believes that I don't exist, in that they will not provision a credit score to my financial institution during my current mortgage search process ( this being a first-time mortgage- if I could actually get one! ). None of them will verify my identity, so I can not receive my annual credit report. 

So, I don't exist, and I can't take out a mortgage, or even get a credit card - and I work for a credit card company! Anything that shows up on my account for the past 10 years should be fraudulent, because I haven't even been able to use my credit for my own purposes. But I can't use my credit, and I can't even monitor my credit. 

Listen : I have the better part of a XXXX dollars in my 401k, but I can't get a {$200.00} credit line on a credit card. 

Every couple of years, I try to resolve this, whether by contacting my financial institution for help or calling the credit agency 's call center directly. On my most recent attempt, in addition to things like phone calls, I was mailed an envelope with a security code. But because I lived in an area with significant flooding, the roads into my city were closed for several days around the time the code would have arrived. My code ended up arriving 14 days late- which is the duration of time the code would have been valid for. The same minute I retrieved it from my mail, I went to my desk to enter it, but it was too late. 

I don't know what else to do. I just want two things that every citizen deserves. I want my credit report, because I want to manage any fraudulent activity on my account. And I want to have a credit score - any credit score will do.

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 2023-04-26 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: TX

Complaint narrative:
I have exercised my rights as a consumer to obtain my consumer report where I identified Equifax as violators of the Fair Credit Reporting Act ( FCRA ). Equifax is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Equifax is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
I submitted several disputes about the same issue. I sent disputes XX/XX/2023, XX/XX/2023. I either receive no response or the error isnt fixed. This is so frustrating, theyre are violating my rights and reporting inaccurate and unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For at least 2 years ( likely a lot longer because I have turned to relying only on XXXX and XXXX ), I have unsuccessfully tried to get my Credit Report from EXPERIAN. It is impossible, and I believe it is impossible because their information about me is so totally inaccurate. 

For example, today I AGAIN tried to open an online account to be able to correct information on my report held by Experian. However, on the prompt from EXPERIAN for me to provide my BIRTH DATE and my SS #, an ERROR occurs. To be honest, it appears that data is SO WRONG in my Credit Report Data maintained by Experian, that THEY DO NOT RECOGNIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER so I am unable to open an online account relevant to verifying my Credit Data with Experian! 

This is Extremely distressing, since EXPERIAN is a Credit Reporting Bureau. 

It is time that EXPERIAN CORRECT the apparently BASIC information they have WRONG about me, Information like my Birthdate and Social Security Number! Thus, I can not even access the data they have about me to identify and correct the information they have wrong. This indicates MY DATA WITH EXPERIAN IS EXTREMELY COMPROMISED!! 

I am trying to access Experian to put a fraud flag on my Credit! Because of the issues above, I CAN NOT DO THIS! 

Note ; I have NO issues with XXXX and XXXX. 

Experian is UNTRUSTWORTHY and SHOULD NOT BE MANAGING MY CREDIT, IF THEY CAN NOT even AUTHORIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER.

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 2023-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
The companies keep calling before XXXX and after XXXX. I have let them know that the debts are not mine but they call over 20 times a day and threatening me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with transunion that are inaccurate an needs to be removed from my credit report. please looking at all the errors included this needs to be corrected. all information is listed that is inaccurate an invalid please delete 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 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 Section 602 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), 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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The attorney and XXXX XXXX is attempting to collect the wrong amount

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 2023-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 I set up home insurance through XXXX XXXXXXXX XXXX XXXX. I was told over the course of several weeks that the policy was received, and it was processing, They didn't have it or I needed it sent again. My current insurance was set to expire by XX/XX/2022. This continued until XX/XX/2022 when I went to a bank branch on XXXX XXXX in XXXX VA and spoke to XXXX XXXX. I explained the problem to him and even sent an email of my insurance to him from the Agent at XXXX XXXX. He said he use to be a real estate agent and he was familiar with insurance. He called the insurance department with myself and my husband in his office. They were upset that he got involved saying he had no right to interfere. He said he was just trying to resolve the issue and they claimed I had already called them 10 times and I didn't submit the correct documents, said it was only the application and this time he told them he was looking at it and he had also forwarded it to them and the page they needed was there. They hung up on him and he had to call back several times. He said he contacted a friend and said they approved it and they had lots of problems with the insurance side. HE informed me of a payment being sent XXXX to my insurance dept. I confirmed that by the bank website. They failed to tell me that they delayed and told XXXXXXXX XXXX not to ship until the XXXX XXXX and do not delivery on Saturday. hold at location waiting to be picked up on Monday, delaying my payment and voiding my insurance by not paying in the 30 day required by their company. On XXXX XXXX I learned that the owners of XXXX XXXX XXXX XXXX  also run Truist Insurance dept. Working as a contractor under Truist Bank. They set me up for failure and refused to explain any questions I had. I spent countless hours and weeks consumed in their rabbit hole of confusion. XXXX aka XXXX XXXX were also the XXXX. Not only did they write the XXXX but XXXX other applications were made for me. With out my knowledge or signing any other electronic signature except the first one. This was done under the knowledge of truest Banks done by their subcontractors while working for and under the supervision of Truist. Even sending letters concerning insurance with the truist logo attached.

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 2023-04-26 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: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. Equifax and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.

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