vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Fraudulent debt is not mine. 

Harassing and very intimidating phone calls Aggressive in tone of voice on phone calls Identify theft- I did not give my social security or personal information to this company. They illegally obtained it

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 2023-10-26 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: TX

Complaint narrative:
I am filing a complaint against TransUnion. Several times my account was left exposed after attempting to have my file frozen and I was not able to do so. I called and spoke to individuals on live chat and it was still not properly done. This exposure violated me as a citizen and consumer who want to keep my information protected from identity theft and much more.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
After I filed a dispute with XXXX, Shellpoint Mortgage doing business as NewRez stated that I still had a mortgage on the property I previously owned at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I closed on this property and transferred title to this property on XX/XX/2023. Shellpoint continues to report inaccurate information to XXXX despite the evidence that I closed on this property on XX/XX/2023. Shellpoint dba NewRez even sent me an acknowledgment that my mortgage was paid in full. A copy is attached for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
fraudulent account on my credit profile from XXXX Opened XX/XX/2023 fraudulent inquries also on credit profile. 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After I filed a dispute with Equifax, XXXX XXXX  doing business as XXXX stated that I still had a mortgage on the property I previously owned at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I closed on this property and transferred title to this property on XX/XX/2023. XXXX continues to report inaccurate information to Equifax despite the evidence that I closed on this property on XX/XX/2023. XXXX XXXX XXXX even sent me an acknowledgment that my mortgage was paid in full. A copy is attached for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: AZ

Complaint narrative:
fraudulent account on my credit profile from XXXX Opened XX/XX/2023 fraudulent inquries also on credit profile. 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 non-monetary relief
Consumer complaint received 2023-10-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
fraudulent account on my credit profile from XXXX Opened XX/XX/2023 fraudulent inquries also on credit profile. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have been a customer of Navy Federal Credit Union since XXXX? in XXXX I purchased a 2nd home and needed to pay contractors to do repairs, so I took out a consolidated loan with Navy Federal during the end of the year I hadn't worked and called and asked the bank to extend my loan the bank gave me 3 months to repay and stated they would report the loan as current, again in XX/XX/XXXX another problem came up and I couldn't make payment I called in XXXX I informed bank that I was having problems paying the bank says they will put the payment to the next month and if it occurs again to call back XXXX and the bank would report the amount due as current. Navy federal did the opposite and reported me to the credit bureau which caused my credit to drop from XXXX to now XXXX. I called Navy Federal and spoke with a supervisor of credit assistance to ask why was I reported since I have stayed in constant contact and assured you that I will make up the payment and why did you report me to the credit bureau this time and this was not the procedure before, the supervisor stated 'this is one of my seasoned reps and it was done properly '' I explained to her this was not done before I have been in contact with the bank during this ordeal, nothing like this has happened before why now. Navy Federal doesn't care how they are reporting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit 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: Block, Inc.
State: MD

Complaint narrative:
Afterpay is a well know Buy now Pay later website.

Afterpay is a very dishonest company who takes advantage of their customers and advance of Afterpay being a digital company.

Afterpay had wrongfully charged me on XX/XX/XXXX for an item I never received. 

I wanted to buy an XXXX car seat organizer ( in attachments below ) on XX/XX/2023. To do so I wanted to use Afterpay buy now pay later option, upon making a small payment ( in attachments ) to Afterpay, Afterpay will then give you a Single Use card to use at checkout but upon using the card Afterpay had provided me Ending in XXXX ( in attachments below ) XXXX had declined the Afterpay card I was assigned and asked me to update my billing, to confirm the purchase for my item. I tried again using the same XXXX card ending in XXXX and again XXXX had declined it. 

I thought that was strange so instead of keep trying over again or using my personal card to make the purchase. I had decided to cancel the XXXX purchase in entirely. 

Upon cancellation of my purchase I had notified Afterpay of the problem and waited for a refund it was upon looking at my bank statements after 7 days. That I noticed no refund had been sent to me. I then went to check my Afterpay account and noticed to my surprise Afterpay were still charging me for the item. After reaching out to Afterpay about why Im still being charged even after notifying them.

Afterpay had said the merchant did not give a full refund back which is why I still owed money to them. Afterpay had suggested I talk to the merchant. After speaking to the merchant ( the merchant who was XXXX ) had said You haven't been charged for it, with the card ends with XXXX and I asked XXXX to send that to me in written ( in attachments ) so I may show Afterpay. After sending the documents to Afterpay that XXXX had sent to me in written. 
Afterpay comes back and says the same thing over the merchant did not give them a full refund after reading these same words again I asked Afterpay for a full billing breakdown that shows all money going in and out of my account so I may see. It has now been 2 months and after contacting them over a dozen times now I still have not received a refund or a billing breakdown of my account.

Afterpay is a very dishonest company so consumers be aware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I the creditor believe that I have acted in good faith to discharged the debt with accordance TO THE LAWS that are now being presented and should not had have any damaging reports towards my credit to all three credit bureaus THESE ARE THE LAWS ACCORDANCE TO THIS MATTER : THE TRUST INDENTURE ACT OF 1939, THE SECURITIES EXCHANGE ACT OF 1934, THE EMERGENCY BANKING ACT OF 1933, UCC 3-603 3-604, 12 CFR PART CFR 1026.13 ( d ), 16 CFR 433.1 ( d ) ( f ), 31CFR 328.5,31CFR 328.6, 15 USC 1693,15 USC 41, UCC 1- 103, 1- 104, UCC 3-110 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( i ) ( ii ) ( iii ) ( iv ) ( d ), UCC 3-105 ( a ) ( b ), PUBLIC LAW CHAPTER 48, 48 STAT. 112, PUBLIC LAW 73-10, TITLE 31, SECT 5118 AND HJR 192 JUNE 5, 1933 1933

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I the creditor believe that I have acted in good faith to discharged the debt with accordance TO THE LAWS that are now being presented and should not had have any damaging reports towards my credit to all three credit bureaus THESE ARE THE LAWS ACCORDANCE TO THIS MATTER : THE TRUST INDENTURE ACT OF 1939, THE SECURITIES EXCHANGE ACT OF 1934, THE EMERGENCY BANKING ACT OF 1933, UCC 3-603 3-604, 12 CFR PART CFR 1026.13 ( d ), 16 CFR 433.1 ( d ) ( f ), 31CFR 328.5,31CFR 328.6, 15 USC 1693,15 USC 41, UCC 1- 103, 1- 104, UCC 3-110 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( i ) ( ii ) ( iii ) ( iv ) ( d ), UCC 3-105 ( a ) ( b ), PUBLIC LAW CHAPTER 48, 48 STAT. 112, PUBLIC LAW 73-10, TITLE 31, SECT 5118 AND HJR 192 JUNE 5, 1933 1933

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Nelnet, Inc.
State: MI

Complaint narrative:
My previous loans were transferred from Great Lakes Loans Servicer to Nelnet. I have contacted my school numerous times and on the Nelnet website hit the in school deferment option. When I contacted the school they have said XX/XX/XXXX they updated the clearinghouse which shows I am in school half time. I was on a 3 hour hold for Nelnet XX/XX/XXXX and I was assured they had this and just needed to process it and no payments were due. My first payment would of been due XX/XX/XXXX. My account now shows past due and I dont want any issues with my credit, etc. XX/XX/XXXX I submitted an enrollment verification from XXXX XXXX to Nelnet. I also, have taken out a loan this semester which on Nelnet is showing in school status but they have failed to change the status for my previous loans. I due not have time to sit on long wait times for Nelnet and they do not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
Have tried multiple times by phone and through the banks online contact page to get {$3000.00} in fraud charges removed from my HSA savings account. The bank issued a debit card on the account which I never received. I did get the card stopped, but the bank refuses to respond to the fraud reversals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase, where I have multiple legitimate accounts, has allowed at least XXXX fraudulent credit card applications to opened in my name within XXXX months. I received a copy of the first application and it includes information regarding my address, email, and other details that is clearly inconsistent with my actual information that Chase has on file for my legitimate accounts. These credit card applications should have been immediately flagged and denied, without a credit check occurring. 

Chase 's credit card application process clearly lacks sufficient controls to avoid consumer fraud and suggests that Chase is permitting fraudulent cards to issue even where it has contradictory information available for the customer. The second of these fraudulent applications occurred after I completed the fraud reporting process with Chase, so even consumers who detect fraudulent activity on their accounts appear and spend the hours with Chase representatives to report this fraud are not protected. This conduct feels incredibly similar to prior misconduct at XXXX XXXX and other financial institutions that allowed unauthorized accounts to open in order to meet quotas or otherwise increase fees to the banks. 
These fraudulent cards and applications have significantly lowered my credit score, and I am unaware of any actions by Chase to proactively avoid future fraudulent applications from occurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loans were sold from Nelnet to XXXX. But Nelnet is still reporting them on my credit report as owing them, instead of updating them as transferred. So my report is showing that I owe XXXX dollars instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On three or more separate occasions, during the 3+ years that I have had the Amazon credit-building store card through Synchrony, I have attempted to reach out regarding the clear and evident lack of reporting in regard to my credit score. The card is touted to be a starting point for growing your credit, and they advertise reporting to all three bureaus, yet after 3+ years I still have no credit score and none of the major bureaus have any information nor knowledge of my credit account through Synchrony. I allowed the standard 2 years to pass, after which reports should have started to show up, yet even after this- and reaching out again to request proof that reporting IS being done- I was only given the same vague assurances that they are indeed reporting when it is clear that they are not. Each time I've called in, they have also failed to document my complaints, as each new customer service representative was unable to find any logged complaints or details of my prior calls. Due to this, the past few years that should have served as the foundation for my credit score have been wasted, leaving me woefully behind and causing a number of issues in my financial life.

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