vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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:
I recently checked my credit report and noticed a few fraudulent accounts, inquiries, and address reporting on my credit file. Ive been dealing with this issue for a good while now. Back in XX/XX/2023, i contacted the bureau regarding these issues and still nothing. I am extremely upset and frustrated because i am trying to acquire a home for me and my family of XXXX but these fraudulent accounts and inquiries are hindering me from doing so.

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 2024-01-03 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:
I recently checked my credit report and noticed a few fraudulent accounts, inquiries, and address reporting on my credit file. Ive been dealing with this issue for a good while now. Back in XX/XX/2023, i contacted the bureau regarding these issues and still nothing. I am extremely upset and frustrated because i am trying to acquire a home for me and my family of 4 but these fraudulent accounts and inquiries are hindering me from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
{$75.00} was scheduled autopay to be taken from my XXXX 's XXXX XXXX credit card on XX/XX/XXXX. I was charged a late fee I called them on XXXX XXXX  XXXX  on XX/XX/XXXX. They could see the auto-ay was set up. They could not explain why it did no go through. They waived the fee but refused to give me an email that this was not reported to the credit bureaus. They also said they " are pretty sure '' the next payment will go through. 

I also have an XXXX XXXX XXXX XXXX XXXX and was hit with a late payment for the same thing -- they did not recognize autopay and hit me with a late fee. I am currently typing this to you as I called them at XXXX XXXX EST sharp and have been on hold for 30+ minutes without a rep even picking up. 

My mom has a XXXX XXXX XXXX as well and had the same thing done. Something is up and I bet they just got a ton of late fees to them that were never supposed to be charged to us. 

Completely unacceptable.

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 2024-01-03 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: MO

Complaint narrative:
Yet again experian starts the day out closing another complaint and giving a STUPID RESPONSE THAT HAS NOTHING TO DO WOTH THE PROBLEM

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 2024-01-03 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: VA

Complaint narrative:
I reached out to XXXX, Equifax and XXXX in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an Equifax Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have an account with Synchrony Bank for a XXXX XXXX card. I have had this card for several years now and it's incredibly difficult to pay bills on time as the website is ( without fail ) down at the beginning of every month, and at various points throughout the following weeks. I have tried on different days, at different times of the day, hundreds of times. The ONLY way I could pay my bill was to call and wait on hold. That's fine, I have the time and the flexibility to do that, but not everyone does. 
If online payment is given as an option, I believe that option should be available consistently. 

I believe this is a ploy by Synchrony to disallow on time payments, thereby increasing interest and fees. It's gross.

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
I am a victim of fraud by someone who used a fake XXXX account to sell tickets to XXXX XXXX in XXXX. I used XXXX through my Northwest Bank account. I do understand I agreed to the transactions, but only before I found out I was being scammed. I sent {$1200.00} total and filed a police report with XXXX XXXX XXXX XXXX. I immediately contacted Northwest Bank and filed a dispute. Northwest has denied my dispute and I contacted XXXX directly they would not reimburse. This was a complete scam and the money was sent to someone who I thought I knew and turns out she was hacked and wasn't aware of this. The dates and amounts I sent via XXXX to a XXXX XXXX are as follows : XX/XX/2023 {$100.00} XX/XX/2023 {$100.00} XX/XX/2023 {$600.00} XX/XX/2023 {$100.00} XX/XX/2023 {$300.00} After the last transaction I didn't receive the tickets, which the person sent a screen shot of them. I reached out several times and called directly and she had no idea she was hacked and that someone was using her hacked profile to sell concert tickets. This has been an eye opening experience into the fraud that happens online. The police said there is not a likely chance they will be brought to justice. It very upsetting this has happened to me. Thank you for looking into this for me. It is greatly appreciated.

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 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
Vance and Huffman LLC recently placed a collection on my account. I contacted them to find out what the debt was and why it was on my credit report. I had never heard of this company and had never received any form of communication from them. I was told by this company that they did not have to send me any information and that its a courtesy and they had legal rights to place the information on my credit report even if I was not aware of it. This company has not provided me with any information concerning any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: GA

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 XXXX5 USC 1681.

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 2024-01-03 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: GA

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.

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 2024-01-03 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: MOHELA
State: FL

Complaint narrative:
On XX/XX/23 my check in the amount of {$3600.00} to pay off my student loans in full was cashed. However, my account was never credited. In the month of XXXX I called Mohela multiple times, sent several messages through the portal and uploaded a copy of the cleared check twice. After requesting to know who would be handling my issue I was told by a senior rep that he will forward my information to accounting. He stated he has no idea when or how I will hear back from them and that is all the information he can give me. He refused to take my check number or amount to pass along to accounting. This was XXXX weeks ago and I still have not been able to get in touch with anyone who can investigate and find my missing money. I am currently still being charged for my full balance. Today, XX/XX/23 I spoke to a rep at Mohela again and was told he has no idea when or if my issue will be resolved or even if anyone will be in contact with me to inform me of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX LAST FOUR SSN # XXXX DOB : XXXX C.E.O. for XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX, GA XXXX PRIVATE AND CONFIDENTIAL This is a LEGAL NOTICE and not a letter. 
Dear C.E.O XXXX XXXX, I am writing to dispute the inclusion of VALIDATE THIS DEBT Delinquent Child Support Payments, Judgements, Liens Fines on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. IF YOU CAN NOT VALIDATE THIS DEBT IMMEDIATELY REMOVE FROM CONSUMER REPORT. 
I request that you promptly review my credit report and remove XXXX CHILD SUPPORT XXXX XXXX VALIDATE THIS DEBT ). Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX CHILD SUPPORT XXXX XXXX REMOVED ACCOUNT from my credit report. 
Thank you for your immediate attention to this matter. I expect a swift resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I am being charged for an alleged debt, and I never entered into a contract with Absolute Resolutions Corporation. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
For years I have been paying XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX faithfully every month on medical bills. Because of that I have to remain sick because I am not able to pay the 20 % my insurance does not pick up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management team keeps calling my cell phone. I have no unresolved debt at all -- nothing being serviced by MCM. The call back number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: VA

Complaint narrative:
I reached out to XXXX, XXXX and Transunion in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX XXXX Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
I hired a contractor ( XXXX XXXXXXXX XXXX XXXXXXXX ) to do some maintenance on a furnace that they did not complete or provide me the serial number of the product that the contractor stated was installed. Due to their failed three attempts to correct the issue they offered to give me a credit of {$75.00} off the {$600.00} bill. I told them to supply me with the serial number for warranty purposes which they could not. There was no application for credit requested or signature for completed work. The contractor, without a court order, sent me to collections with National Account Systems which is unwarranted since this is a contractor dispute, not a credit issue. I contacted National Account Systems to inform them of the incorrect filing and they would not remove the error from 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 explanation
Consumer complaint received 2024-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One- account was charged off and closed in XXXX as bad debt. Requested 1099-C, company still trying to collect after charge off. Reported payments incorrectly. For example, Last payment reported to XXXX on XX/XX/XXXX, but reported to XXXX with the date of XX/XX/XXXX. Also, per the GLBA, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of Capital One to provide this notice compromises my rights and exposes my personal information in a manner that I do not consent. 

er the GLBA, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of Capital One to provide this notice compromises my rights and exposes my personal information in a manner that I do not consent. 

XXXX XXXX account was charged off. Requested 1099, company still trying to collect after charge off. Disputes with company for fraudulent reporting, company did not attempt to fix issue they just reported that an update was made to the credit reporting agencies. Also requested that per GLBA, to removed the account from my reports as they did not provide an opportunity to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV placed a collection on my credit report but failed to validate it when I requested the information. This company also tried to sue me in my birth state of Alabama, where I have not lived in many years. The case was dropped because the court was provided with incorrect information. I do not owe a debt to LVNV and they have not provided me with any documentation about the debt. I have requested this information many times and have not received it, yet its still being reported on my credit report as valid. I have written many letters asking for validation and subsequent letters asking for it to be removed because this company refuses to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My checking account was compromised and I had a fraudulent check transaction on my account, I contacted BMO bank to report the transaction and I was told to open a new checking account while the fraud is being investigated. it has been over 45days and my account has been restricted without access to my funds. please I need these funds to take care of my family in this current economy. I am left with nothing to survive because BMO won't give me my funds back. this is a life and death situation. I need my funds back asap. 
Acc Name : XXXX XXXX ACC No : 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 2024-01-03 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: OH

Complaint narrative:
I noticed this collection on my credit report that I did not authorize, it was fraudulently and inaccurate reported..Account name XXXX XXXX account XXXX XXXX. I also asked for a thorough investigation for this matter and to send me original documents with my signature signed by me stating I own this collection from the original creditor.. NOTHING WAS DONE OR CHANGED ON MY CREDIT REPORT BUT NOTED IT WAS ACCURATE WHICH CAN NOT BE. I DON'T PERMIT THIS ACCOUNT ON MY CREDIT REPORT AND I WANT THIS ACCOUNT XXXX XXXX Account Number # XXXX DELETED 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 non-monetary relief
Consumer complaint received 2024-01-03 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: OH

Complaint narrative:
I noticed this collection on my credit report that I did not authorize, it was fraudulently and inaccurate reported..Account name XXXX XXXX account XXXX XXXX. I also asked for a thorough investigation for this matter and to send me original documents with my signature signed by me stating I own this collection from the original creditor.. NOTHING WAS DONE OR CHANGED ON MY CREDIT REPORT BUT NOTED IT WAS ACCURATE WHICH CAN NOT BE. I DON'T PERMIT THIS ACCOUNT ON MY CREDIT REPORT AND I WANT THIS ACCOUNT XXXX XXXX Account Number # XXXX DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation