vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: PA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
Disputed charges were not credited back to account in a reasonable amount of time. Fraudulent charge was removed but was added back to the credit card. Customer service unwilling to remove the charge. 

Charge was originally made on XX/XX/2022, " XXXX *XXXX  XXXX XXXX XXXX XXXX FL '' Charge was credited back to the account on XX/XX/2022 Charge was billed back to the account on XX/XX/2022 Called credit card company multiple times over the last three months to resolve which only resulted in being transferred to different departments with no resolution

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 2022-06-21 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GA

Complaint narrative:
Since XX/XX/2021 the day this fraudulent inquiry appeared on my credit report I have been trying to have it removed. With nothing but obstacles from Trans union. I previously submitted a complaint here and there response was they sent me an affidavit to fill out and return. I filled it out had it notarized returned it and they send me a letter stating that it didn't appear I sent it. This is just unbelievable, after I've sent them so many documents and letters. XXXX has also responded and said for 4 times they have sent request to Trans union to have this removed. It's very sad the turmoil they create and hardship they instill on the victim. PLEASE PLEASE HELP ME GET THIS OFF MY CREDIT REPORT!!!

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 2022-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a credit card payment to XXXX XXXX XXXX 

XXXX days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this XXXX year account, and it was my oldest account which I kept in good standing since XXXX. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for XXXX  years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Global Lending Services LLC
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX of 2021 i received four check from the social security office an m & t decieced two help them self with so much of my money like XXXX of its an i want its back. this is the second time they stole my money. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
Below is the letter I sent to my bank, ETrade. I have received no response. 


E*Trade Customer Service , I was a victim of a condo rental scam in XXXX. After making a {$600.00} deposit to secure the rental for a business trip, I was pressured to deviate from the agreement and pay the entire balance ( {$1200.00} ) before checking-in. The landlord aggressively attempted to collect an additional {$400.00} ( see text messages PDF ), but I refused because it was not a part of the agreement ( see email PDF ). The text messages from the landlord were suspicious and confusing. I chose to cancel the reservation. 

I made several attempts to get a refund by calling him, but he did not answer nor return my calls. I spoke to the front desk staff where the condo unit was located but they had no record of my reservation. I made the deposit via XXXX XXXX  but unfortunately after a formal inquiry, the XXXX support team could not reverse or refund the payment that I made ( see inquiry PDF ). I notified the law enforcement authorities in XXXX ( where the condo was located ) but beyond that, there was nothing more they could do. 

Im writing because Ive had several conversations with customer services representatives at E*Trade. I was promised that I would receive an e-mail or form in the mail that I would fill-out and forward back to start the investigation. Ive waited for months and still have not received anything. 

This is my final attempt at resolving this issue before I file a complaint with the FDIC. I also have been waiting months for a replacement debit card ( account ending in XXXX ). Every time I speak to a representative, I receive the same response were very sorry and/or well send it in the mail right away. Each time I would get a different timeframe on when I should expect a letter from them ( i.e. 7-10 days, or 10-20 days, or 3-5 days ). I have been an account holder for many years and this awful display of customer service and lack of integrity/responsiveness is deeply disappointing, unprofessional, and simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
XXXX XXXX {$6000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage got bought out by Freedom Mortgage Company in XX/XX/XXXX. I called in to make the first payment. Set up the online payment option. Tried to make the payment for XX/XX/XXXX on time and the system didn't take the payment. I had to call in to make the payment in XXXX. I was laid off the first week of XXXX XXXX.I also got XXXX XXXX the first week of XX/XX/XXXX. I tried to make the payment in XXXX and they didn't process the payment. Seeing how I was dealing with XXXX and behind on money I applied for Covid forbearance. I tried to make my payment in XXXX and they didn't process my payment. My brother in law tried to help us get caught up and went to make a {$1000.00} payment on our behalf on XX/XX/XXXX with the mortgage statement I gave him to call up with. They didn't apply the payment. I have been unemployed since XXXX. I tried to call in the beginning of XXXX to make the XXXX payment and see what I can do with the past payments and they told me the whole past due must be paid or I must refinance. I told them it wasn't fault, that I tried to make the payments in XXXX and XXXX and they wouldn't take my payment. They told me it was me or my bank, that it wasn't their fault. I went to my bank and they showed there was never a returned payment or insufficient funds in XXXX or XXXX. There was no proof that Freedom Morgage tried to attain the funds. I never missed a payment in over 7 years living in our home until they bought the mortgage.

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-06-21 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Hello. XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). ARS Account Resolution has violated my rights. Litigation in the works now to resolve illegal matter.

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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. 

Delete this account immediately from all three major credit bureaus. Failure to do so will result in litigation. 

XXXX : Act # XXXX XXXX : Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XX/XX/XXXX) has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-06-21 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: CarMax, Inc.
State: VA

Complaint narrative:
On XX/XX/2019, Carmax repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. Carmax sold my car in auction. I defaulted on XX/XX/2019. Which means Carmax received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, Carmax has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called Transunion to cancel a {$20.00} per month service for credit protection. I was told that I could obtain a freeze at service.transunion.com. I could neither create an account nor retrieve an old account at that site. I called the support number for assistance. 

In order to get a credit freeze, Transunion requires me to physically mail copies of two forms of ID. Physical mail is open to theft. By obtaining these two forms of ID, a bad actor can file for credit using my identity. Thus I have to risk public exposure of my identity in order to request a freeze.

Further, transunion has been billing for months for a credit hold. Transunion trusts me for a hold but will not trust me for a freeze. They will trust me when I pay but not for the free service. This is certainly not an honorable way to conduct business.

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 2022-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I never received any information from this company until they put the debt on my credit report. They did not have my correct address or phone number and they told me it was my fault. The amount of the debt is XXXX and I spoke to them on XX/XX/2022.

Company response to consumer: Closed with explanation