vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2022 consumer contacted Transunion via certified mail to dispute & request removal of XXXX XXXX XXXX Account being reported on consumer 's credit profile. This has impacted consumer 's credit worthiness, accuracy, and credit score, taking XXXX points from score causing damage to my score. XXXX XXXX XXXXXXXX responded to consumer via mail on XX/XX/2022 stating they agree to request that their tradeline related to the account be removed and deleted from the credit bureaus. It has been removed from XXXX, but not Transunion and XXXX. Please remove XXXX XXXX XXXX account from all consumer reports and update credit profile with accurate deletion of account associated with the name 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 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Refuse to drop my PMI even though I have almost 30 % equity also over the past year had issues with my escrow and the lender not paying my insurance for over a year did not have any insurance without my knowledge and raising my mortgage at the same time

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 2022-07-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My ex-roommate has applied credit card with my personal information without my consent, using my social security number, and our address. I discovered it while I was checking my credit report, this person has applied credit using my personal information and he got approved even applying with a wrong birthday. I found out that the XXXX XXXX XXXXK which is the credit company has approved this credit card with a wrong birth day date. when I noticed this suspicious activity on my credit report, I tried to contact the XXXX XXXX XXXX company, and they couldn't help me because the information that I provided to them it was incorrect and they refuse to speak with me while the account verification was not correct ( my birthday. ) However, basically they said that the birthday that I provided them was incorrect comparing the one when the account was opened, therefore they could not provide me any information on the account, and my ex-roommate does not longer live in the United States.

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 2022-07-06 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: TN

Complaint narrative:
XXXX XXXX Inquiry : XX/XX/2022 CAPITAL ONE Inquiry : XX/XX/2022 XXXX - XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
GM FINANCIAL Inquiry : XX/XX/2022 XXXX XXXXXXXX Inquiry : XX/XX/2022 XXXX - XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCP Holdings, L.P.
State: FL

Complaint narrative:
XXXX my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. XXXX  me with damaging my credit report if this was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, account ID # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Today is XX/XX/22 and over the last few weeks I have been attempting to close my account with Barclays. I had a credit card with XXXX XXXX. I was notified many times that Barclays would be taking over. I was not told that my current credit card would stop working one day and that days later I should expect to find a new card in the mail. Also during that time I could not access my account to make payments ; the new card information was required to access my account. I called several times trying to get the new card mailed to me again because I never got one in the first place and this process took several hours over days. The customer service could not help. I was switched to different people to talk with constantly. I was even given a manager number to contact that was actually the fraud line. The customer service reps gave me attitude and no help at all. Today I finally think I closed and paid off my account. I asked to make a formal complaint and I was yet again put on hold and after five minutes or so was disconnected. I feel powerless to Barclays. I still can not access my account to verify that my account has been paid off. I just have to trust that the horrible customer service reps actually did this for me as well as closed it. I cant make complaints with them or get any help. Im just put on hold for hours. I have a job! This is not fair or ethical, and I believe Barclays needs to be held accountable.

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 2022-07-06 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, 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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have XXXX accounts with Barclays. I made a electronic payment of {$3900.00} to the account Barclays XXXX Card on XX/XX/XXXX and it was applied to my account on XX/XX/XXXX. When I notified Barclays about the error with my other Barclays account with the missing payment I sent to them of {$3700.00} to be applied to my XXXX XXXX Barclays card and was forced to escalate the missing {$3700.00} payment they completed a balance transfer from my XXXX Card that had less than {$450.00} remaining, without my consent to complete a balance transfer or without notifying me. They transferred the {$3900.00} payment to the XXXX XXXX account and charged me a balance transfer fee and additional adjusted interest payments. My new balance for a card that was almost paid to zero is now over {$4500.00}. My account they transferred the money to now has a negative balance of over {$3400.00}. 

I have called numerous times and nothing is being done to correct this issue.

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 2022-07-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act AMERICAN CREDIT ACCEPT with account number XXXX has violated my rights : 15 U.S.C 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.

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 1681 section 602 A. States I have the right to privacy.

The creditor hasn't mailed me anything to the address that's on my driver license that will be attached. Just looking over my credit report and I have several different address that don't belong on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Convergent Resources, Inc.
State: NM

Complaint narrative:
I switched cell phone carriers from XXXX to XXXX XXXX XXXX and prior to switching I was to pay my balance in fill in which I did. After being with XXXX XXXX XXXX I went to finance a phone through their sales department when when doing so they showed I have a balance with XXXX, Ive attended to contact XXXX multiple and I am told they can not help me because on their side it does not show an outstanding balance. Im at the end with dealing with these people and have gotten nowhere. 

On my credit report it shows in collections a total of {$850.00} for ( convergent outsourcing )

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 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been reviewing my consumer report in its relationship between I, XXXX XXXX, and you TRANSUNION and I've noticed unauthorized inquiry 's on my consumer report. 
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 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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
I contacted CKS Prime Investments/ Velocity investments to validate this this alleged debt and they sent a letter stating that there was a judgement against me with No details and copies of some statements. I Never did any business with CKS or gave them permission or agreement to address me with any matter. I sent the first validation letter on XX/XX/22 a response from CKS/ Velocity on XX/XX/22 a second proof of validation on XX/XX/22 and no response. XXXX XXXX XXXXXXXX certified information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, account ID # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a Suntrust XXXX XXXX credit card. 
TRUIST took over SunTrust. TRUIST told me they can not help me because Suntrust gave this account to a " third party ''. 

I made my payments before the due date but they still charged me extra interest and a late fee. They will not help me on the phone. They give the runaround. The letter I sent to their XXXX XXXX was returned by the post office, labeled " no such number '' I want the interest and late fee refunded.

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 2022-07-06 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: Velocity Portfolio Group
State: IL

Complaint narrative:
In accordance with the fair credit reporting act, CKS Prime Investment has violated my rights. 15 U.S.C 1681, Sec. 602A states I have a right to privacy. 15 U.S.C 1681 Sec. 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hard Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-SyncB/Paypal ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-SyncB/Paypal ( XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


XXXXXXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: PA

Complaint narrative:
My name is XXXX XXXX and I have recently viewed my Equifax credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted Equifax directly and just keep getting the run around and transfered only to be hung up on after holding for 35 minutes. I expressed to them that this is stopping me and my family from aquiring a home. I have also contacted the Federal Trade Commission in this regard. I pull my credit report every week and they have not been removed. I've called equifax everyday for past month and nothing has been removed. Please help. My family needs a place to liveand this is stopping our process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I paid for delivers with my American Express Card and the items was damage once I filed a claim with the carriers they fraudulent over charge my America Express card. I file a complaint with America Express for both charges {$440.00} on XX/XX/2022 and {$110.00} XXXX for a total of {$560.00}. I have evidence for the of their bait and switch to falsify the additional charge. 

On XX/XX/2022, I hired XXXX to retrieve a pallet of " kitchen cabinets '' I purchased at XXXX XXXX XXXX XXXX in Pennsylvania for {$440.00}. On Thursday, XX/XX/2022, XXXX XXXX driver collected the package with and estimate delivery of Friday, XXXX XXXX ; however the pallet arrived 1 week later Friday, XX/XX/2022, at approximately XXXX damaged. I was not available to inspect or retrieve the package due to no prior arrangements or delivery confirmation. Upon inspecting the pallet approximately XXXX that even the knobs and gears damage and ignition coil bended. I contacted XXXX via telephone for issues sent as per the packaging split instructions. After 2 months of no reply XX/XX/2022 XXXX XXXX during via telephone communication stated they are not responsible for my damage claim because I did not purchase the additional insurance with them and to contact XXXX XXXX at XXXX XXXX  XXXX to file a claim ( {$1800.00} damage claim ) Prior to XX/XX/2022 neither companies acknowledge or addressed my claim ; but on XXXX XXXX I received an email from XXXX XXXX stating XXXX XXXX ( assuming retaliation to my claim ) is requesting and additional {$110.00} for change of weight class. Original weight class XXXX XXXX XXXX submitted an invoice stating after during the transport the measurements was completely different changing the shipping weight to class XXXX. 
I immediately contacted XXXX with denied XXXX XXXX and XXXX XXXX claim that the pallet weight and measurements were different then on the Bill Of Lading ( I have fully email of the accuracy of the weight and measurements being Dimensions : L 61.0in x W 40.0in x H 24.0in weight class 125. 
XXXX XXXX refuse to honor my claim for damages and refund the additional payment of {$160.00} ; stating XXXX XXXX supplied them with the attached information to be paid. 
These companies have no integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.

Company response to consumer: Closed with explanation