vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was a mixed credit file that I became aware of back in XXXX of XXXX. After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.

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 2022-09-19 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: NC

Complaint narrative:
In accordance with the XXXX XXXX XXXX act, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 


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

15 U.S.C 1681 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 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied International Credit Corp., (US)
State: NM

Complaint narrative:
I keep receiving letters from Allied International Credit Corp. indicating I have an unpaid debt with XXXX. I have made several calls to XXXX who verified with me multiple times that that amount has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been qualified for Public Service Loan Forgiveness since XX/XX/XXXX. My payment counts were incorrect and counted at 119 when they should have been beyond 120. Unfortunately, my loans were still transferred to XXXX causing me significant delay and hardship. I now have to wait for my loans to be accepted by XXXX, hope they also count my payments correctly and then resubmit my public service loan forgiveness form ( which I have submitted at least 3 times since XX/XX/XXXX ). This is going to cause unnecessary delay in my ability to get my loans paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: PA

Complaint narrative:
I'am a victim of idenity theft I'am including attachments which are FTC report, XXXX data breach, and the letters I sent the bureaus.

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 2022-09-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I, natural person and creditor, XXXX XXXX, entered into a consumer credit transaction with Navy Federal Credit Union. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: AZ

Complaint narrative:
I have contacted all three credi reporting agencies regarding section 605B of the Fair Credt reporting Act and sent police report, FTC Identity theft report, utility bill, ID and Social, I am requesting XXXX XXXX XXXX XXXX - {$19000.00}, XXXXXXXX XXXX  - {$10000.00}, XXXX- {$530.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX  - {$800.00}, XXXX- {$5900.00} and XXXX XXXX XXXX accounts not sure the amounts to be blocked from my credit report as my identity and identification purse was previously stolen, ive notified FTC, Social security administration, All 3 credit reporting agencies XXXX and now the CFPB i need this resolved immediately off my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted all XXXX XXXX reporting agencies regarding section 605B of the Fair Credt reporting Act and sent police report, FTC Identity theft report, utility bill, ID and Social, I am requesting XXXX XXXX XXXX XXXX - {$19000.00}, XXXX bank - {$10000.00}, XXXX- {$530.00}, XXXX XXXX XXXX {$1200.00}, XXXX/XXXX XXXX - {$800.00}, XXXXXXXX {$5900.00} and XXXXl XXXX XXXX accounts not sure the amounts to be blocked from my credit report as my identity and identification purse was previously stolen, ive notified FTC, Social security administration, All XXXX credit reporting agencies XXXX and now the CFPB i need this resolved immediately off my credit please

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 2022-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
have opened a 'careCredit ' account and have received the card in the mail. however, i can not access the account thru the website carecredit.com. when i try to login i get this message : we apologize. we are curretnly experiencing technical difficulties and are unable to access your account. please try again later or contact customer service for assistance. 

for 8 days, i have tried to access my account. the only way to access is by using incognito browser, which is unacceptable i have called 4 different numbers for customer service, and no one was able to assist me. 
very frustrating and poor customer experience.

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : XXXX XXXX XXXX XXXX " How do I submit a dispute? 
{ Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone.

This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-09-19 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: OK

Complaint narrative:
The consumer reporting agency Equifax has admitted to providing the wrong credit score to millions of consumers, including myself. Which affected my ability to obtain financing, and loans. Equifax has a responsibility to report fairly, and accurately which they did neither. They did not exercise their grave responsibility to report fairly, and accurately. And they also broke consumer law 15 usc 1681. I never gave written or verbal permission for equifax to furnish my consumer report to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

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 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have recieved information about an account which I do not agree. This account is reporting inaccurate information to the credit bureaus in which is total wrong. I was charged {$2800.00} from XXXX XXXX XXXX back in XXXX. I do not understand why this account is in collections with Hunter Warfield because I do not owe that amount. I feel that I am being charged for items out of my control. I have tried to reach out to the company to get information on why they are stating I owe this amount, but I have not received an itemized list or proof of why. 

I started disputed this account back in XX/XX/XXXX, for reporting inaccurate information on my credit report and I am getting computer generated information which does not provide proof of the original debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI, INC. is reporting a collection on my report in which the orgiinal creditor is SPRINT. Also XXXX  and XXXX continually to verify the account and ignore my request for the method of verification which is a FCRA violation. I want this to be verified or removed permanently from my credit reports. also i want it to be known that a bill from sprint  does not suffice as verification. their need to be a signed contract with my signature for this company that is reporting to the credit bureaus with my information in which they should not even have. Also AFNI, INC. does not even show as having the ability to collect any collections in the State of Florida so they would need to get this removed as I am telling them to Cease and Desist because this is a direct FCRA violation of knowing and willfully breaking a law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I was sent a sum total amount from my sister for partial payment of money she owes me due to staying in my rental at XXXX a month. XXXX XXXX XXXX  and serious delays on unemployment, she has been unable to pay. She finally thought she had received funds from unemployment and transferred the money to my account. Something which I'm not privy to apparently happened with the funds. 
Navy Federal Credit Union took it upon themselves to remove the funds from my account which left me stranded in another state. I am not a joint owner of my sisters account. I wasn't aware and neither was she of any mishaps. Navy Federal illegally took funds out of my account to right a wrong with my sister 's account. They also did it with my nieces account as well. They also put a freeze on my husband 's account for his funds. They are being overzealous and stepping out of their legal limitations. Had the funds still been in my sisters account, that would be understandable until they figure out what was going on. But Navy Federal took this funds out of my account which they do not have the legal right to do. I want my money returned to my account. I have nothing to do with anything. My account should not have been touched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation