vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 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: CL Holdings LLC
State: MN

Complaint narrative:
I submitted a previous complaint and was told it was being worked on. However, XXXX allowed the company to again submit for payment on an already settled account, and one they said was being investigated and worked on. This happens every time XXXX states they are resolving it, yet the company keeps submitting for an already settled claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Without my permission, TransWorld Systems Inc sent letter to my address regarding alleged debt of {$80.00} to XXXX XXXX XXXX. Per 15 USC 1602 ( L ) this debt was paid and the purchaser of the new debt is the rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account number ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX XXXX  dated XXXX. XXXX, XXXX. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 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 non-monetary relief
Consumer complaint received 2023-06-11 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account number ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX XXXX  dated XXXX. XXXX, XXXX. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.

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 2023-06-11 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: FL

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I called XXXX on XX/XX/XXXX regarding a late payment in XX/XX/XXXX. I was requesting it be removed since I had COVID and stuck on quarantine. They told me that XXXX will not do any goodwill adjustments. I don't really consider this a goodwill adjustment since I had no opportunity to make the payment. I made the payment as soon as I could and my account as been current ever since.

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 2023-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am going through a lot of things right now mostly financial difficulties and Im trying to get back on track. Capital one called me so many times a day that I am completely overwhelmed and feel harassed that I dont even want to call them back. They fill up my voicemail on a weekly basis to the point where I miss important messages from doctors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TX

Complaint narrative:
I went to a dealership with an approval of credit from my bank for an auto loan and explicitly yold them not to run my credit thru multiple outlets, as they have several different lots and they agreed. They then said it was REQUIRED by the credit bureau to run it theu their system and I ended up with MULTIPLE credit request ( over 70 letters came to my house ). I had my credit report frozen on all bureaus and they still allowed for this to happen. It affected both my husband and myself

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 2023-06-11 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: TX

Complaint narrative:
I went to a dealership with an approval of credit from my bank for an auto loan and explicitly yold them not to run my credit thru multiple outlets, as they have several different lots and they agreed. They then said it was REQUIRED by the credit bureau to run it theu their system and I ended up with MULTIPLE credit request ( over 70 letters came to my house ). I had my credit report frozen on all bureaus and they still allowed for this to happen. It affected both my husband and myself

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 2023-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to a dealership with an approval of credit from my bank for an auto loan and explicitly yold them not to run my credit thru multiple outlets, as they have several different lots and they agreed. They then said it was REQUIRED by the credit bureau to run it theu their system and I ended up with MULTIPLE credit request ( over 70 letters came to my house ). I had my credit report frozen on all bureaus and they still allowed for this to happen. It affected both my husband and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: ND

Complaint narrative:
On XX/XX/2023 @ XXXX XXXX  I purchased 2 money orders amount of {$1000.00} from XXXX address : XXXX. ( WESTERN UNION MONEY ORDERS ) XXXX XXXXXXXX XXXX XXXX. 
XXXX, ND. XXXX XXXX week later we lost our money orders due to weather incidents on our vacation. Money orders were blank and have positively not been cashed or stolen as my family and myself witnessed with our own eyes the money orders flying in water at a lake resort, for sure % 100 they are not in any way shape or form salvageable to be cashed. With that said, I do have the receipt in that I purchased them from at XXXX XXXX XXXX XXXX XXXX department. Also, may I add I purchased them with my XXXX bank card.. 
9 days after purchasing both money orders I filed 2 money order refund/ tracking claims through western unions website attaching copies of original receipt with serial numbers. This is the Reference icare claim number I was given @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
National Account Systems legally was supposed to mail the court date for hearing about debt but did not. What I received in mail was information about amounts owed but they did not include court date. When I didnt show to the court date ( because I didnt know of date ), judgement was entered against me. Prior to receiving the letter about amount owed, collection agency had nan coming to my house every Saturday banging on my door for several hours.

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 2023-06-11 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-11 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-11 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Due to a recent escrow change in XX/XX/2023, my usual automatic monthly online payment was made in the amount of {$690.00} versus the new increased amount of {$790.00}. As a result, Freedom Mortgage placed my on-time {$690.00} payment in a suspense account and the payment was not applied to my balance. This created a 'late ' payment status that was reported to the credit agencies, causing a significant impact to my credit score.

When I reached out to their customer care team, my request to update ( remove ) this late payment status to all credit agencies was declined. I was informed a letter was mailed to me to notify me that my payments were increasing in XXXX. Unfortunately, I did not receive this letter. Had the letter been sent as certified or trackable- or even a different color paper or envelope to differentiate it from the barrage of marketing collateral from Freedom Mortgage - I would have received it and would have adjusted my online banking payments accordingly. 

I've reached out to the following people, and none have provided the courtesy of an acknowledgement of my request. None of the executives have responded to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My total checking account ending in XXXX was closed by chase bank on XX/XX/2023. 

I received a notice in the mail, telling me that I would receive any funds remaining in the account after XXXX business days of closure. Its been months and I still havent heard back from Chase. Ive contacted their escalations department and all they told me was that I have to wait and that they have no timeline on when I would receive my money. 

I had a little over XXXX in that account and that is a significant amount of money for me and my family. I dont know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Sky Blue Financial Services, Inc.
State: CA

Complaint narrative:
Didnt fix my credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have a credit card account with Navy Federal Credit Union that is currently closed. I sent instructions along with a tender of payment of a negotiable instrument for the entire balance to be paid. Navy Federal sent the payment back and stated that I was still responsible for the debt. I sent in the payment again for performance our contract and stated that the credit the account at the sight of the instrument and Navy Federal Credit Union has yet to accept my payment. At this point this is a breach of fiduciary duties and a deprivation of my rights to make payment. I want my account reopened and I will be making my payments on this account from here on out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: CT

Complaint narrative:
" I have repeatedly filed complaints with the Equifax regarding fraudulent activity on my account, but they have closed the claims without my acknowledgment. Despite my efforts to provide the necessary information to rectify the situation, the company has failed to take appropriate action. I have sent multiple certified letters to Equifax in XXXX alone, requesting the removal of incorrect addresses, names, and hard inquiries on my credit report. However, Equifax has not responded to my requests, and my personal information remains accessible to unauthorized individuals. I have also noticed numerous variations of my name on my credit report that do not match my state ID, which is concerning. I am determined to continue filing complaints until my personal information is updated, removed, or rectified, and I urge the third party to take appropriate action to address these issues. ''

Company response to consumer: Closed with explanation