vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zenith Financial Network Inc
State: TX

Complaint narrative:
Zenith Debt Collectors is engaging in harassments. i have had my current phone number since around XXXX since then i have gotten the occasional collector for the old owner but in the last few weeks Zenith has ramped this effort into almost multiple calls daily. I have explained this to them before and im still on the list somehow. i just want them to stop calling me. and its the same automated message each time so i know its them.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX, My name is XXXX XXXX and have an issue with Capital One 360 checking account. 

I was a client with a Capital one 360 checking account. 

I was a victim of a fraudulent transaction and ended up depositing a check in the bank due to which my account was closed by the branch with immediate effect. A check with the remaining balance was issued by Capital One and I was advised they do not want to keep any relationship with me. I have not received the check yet. 

I informed the bank that I was a victim to and not a person creating the scam and it was a huge accident that happened due to which the check was deposited. 

The bank advised me I could not have any relationship with them and closed my account. 
My question is what are victims of fraud supposed to do for no fault of theirs? Federal law only says banks can close the account for reasons but nothing like victims of fraud. The amount was a basic {$1800.00} and not a XXXX of dollars. 

I did explain my point of view to the Capital one staff, They kept giving me stereo-type answer there is nothing they can do it's all decided by the head office. 

Can someone please look into this, As the reply honestly seems inappropriate as I am a victim of fraud and not a scamster, and the closing of this bank account causes me a lot of inconveniences. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have had the loan since XXXXXX/XX/XXXXXXXX, recently I tried to log into my Ally account to make a normal payment and received a message saying I couldn't make a payment and I had to call in for further assistance. 

I called in and essentially their system tried to take money out of my bank account multiple times as reprocess payments for a declined charge I set up, then their system tried so many times it flagged my account that I tried multiple times ( it was their reprocess system, not me I only tried a small number of times since XXXX ). 

They let me know since my payments were declined so many times I had to pay with guaranteed funds for the next 3 payments. The methods of guaranteed funds they accept are either unrealistic such as physically mailing them money for the payment in the form of a money order ( if that gets lost I loose {$1400.00}. No one in their right mind does this ). The other forms were XXXX XXXX or XXXX XXXX both of which had large fees due to the amount owed, around {$60.00}, for the next 3 payments is a little much to ask as a fee for an auto loan payment. Plus this is XXXX, going to a XXXX XXXX in person Vs. paying in an online portal out of my day from work and commitments at the house is ridiculous to ask. 

I just footed the first {$60.00} bill through XXXX XXXX ( one of the " Guaranteed '' forms of payment they accept.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX, I rcvd an email that my CREDIT KARMA account was temporarily suspended and they would let me know why in a separate email. On XX/XX/XXXX, I received an email that said my account was closed. I contacted them via phone and chat and was told my account was suspended not closed. I supplied the with the email that said it was closed on NUMEROUS occasions. I requested they just close it then and send my my funds. You can not speak with ANYONE directly about the account. There is a " higher up '' dept that is supposed to reach out to you. I have contacted them no less than XXXX times since XX/XX/23 with NO RESOLUTION or RESPONSE from the " higher up '' dept. I have only been told MULTIPLE times that my ticket has been escalated and is under review. I just want them to issue a check to me via USPS mail for {$350.00} and we can be done with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -TransUnion  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - 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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Apparently on XX/XX/2022 someone appeared at XXXX XXXX XXXX XXXX pretending to be my minor son, XXXX XXXX XXXX. They apparently sought care using his insurance information however, they got his middle name incorrect listing it as " XXXX. '' My XXXX XXXX XXXX XXXX XXXX rightfully denied the claim ( I assume that Dignity did not have anything to back it up like a photo ID, my signature, etc. ). 

Since then Dignity and their collection agencies have been trying to get me to pay the denied claim of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
Three separate times in the last three years I have re-uploaded my Public Service Loan Forgiveness recertification. This is the re-certification that would put me over the 120 months needed to qualify for forgiveness. My account has not even been looked at ... in three years! I have tried calling multiple times but face hours on hold. I have emailed their customer service with no response. I keep re-uploading the certification as each time I log in to check progress, it is like I never uploaded it in the first place. This is quite frustrating as I have done everything on my part to complete the PSLF program but if they won't even acknowledge my recertification in three years, what is the point. Interest continues to accrue, and it is incredibly frustrating as this recertification is what I need to fulfill the terms of PSLF. I have over {$100000.00} in student loans in the balance until they finally address my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Someone used my credit to open various accounts for credit cards including a Target store that sued me and is garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX is the company that sends me statements and takes my mortgage payments every months. over 12 months have went by and they are not reporting to any of the credit companies. 


I have called them multiple times and its not still reporting. 
They took over my mortgage loan in XXXXXX/XX/2022

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 2023-10-23 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2023-10-23 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to Transunion and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.

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 2023-10-23 00:00:00
Product: Credit reporting 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:
On XX/XX/2023 I submitted a complaint against Trans Union about inaccurately reporting an account ( XXXX ) on my credit report. On XX/XX/2023 Trans Union sent me a response saying XXXX is now deleted from my credit report. Now as of XX/XX/2023 Trans Union is still reporting this false account on my credit report after claiming theyve deleted it. On XX/XX/2023 XXXX credit gave me a report of information stating Trans Union is still reporting the XXXX account on my credit report. This is a clear violation of the federally protected FCRA laws. According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 

THIS IS NOT AN OPPORTUNITY TO RE-INVESTIGATE ANY DISPUTE. 

I will provide documentation to support my claim of Trans Unions misconduct. 

Within 14 days of receiving this letter/complaint Trans Union must - ( 1 ) REMOVE THE ACCOUNT MENTIONED FROM CREDIT REPORT, & ( 2 ) SEND {$1000.00} CHECK TO XXXX XXXX FOR VIOLATING FCRA 15 USC MAKING TRANS UNION LIABLE TO ME FOR STATUTORY DAMAGES. If Trans Union fails to do so within 14 days of receiving this letter/complaint I will be filing a lawsuit against Trans Union for EVERY Fair Credit Reporting Act violation committed by Trans Union towards me.

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 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
It seems as though XXXX ( security company ) sold what THEY say I owe to Zions Debt Holdings, LLC. I received notice from the credit bureau that this collection was placed on my account. There was absolutely no prior communication from this company and the XXXX system has been out of my house since 2021 ( 2 yrs ago ). They placed an amount of over {$2000.00} owe which is definitely not the case. I have also filed a complaint with the XXXX XXXX XXXX regarding Zion Holding and XXXX. I still have had no contact with this company verbal or written. I DON'T OWE THEM ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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