vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Remove the frauds Alerts And inquiries from my credit profile. 


I never asked to have a fraud alert placed on my credit profile. I only asked That the following unauthorized inquiries be removed from my credit profile!!!! 

REMOVAL ALL FRAUD ALERTS FROM MY PROFILE!!!!!! 
IT IS HURTING MY CREDIT I CAN NOT USE MY CREDIT CARDS!!!!!! 


remove the following inquiries from my credit profile Hard Inquiries XXXX XXXX bod XXXX ss # 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 2021-02-23 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: NV

Complaint narrative:
I have contacted XXXX, XXXX and Trans Union letting them know the information on my credit report is fraudulent they refuse to remove several accounts and inquiries, they also had several names and addresses that are not mines including to ssn numbers. after i have sent over proper documentation supporting my claim. The law states they must report accurate information. Upon checking my credit i discovered my information such as my ssn, email address, address and name was found on the dark web and they are reporting false information needs to be 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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already try to fix this issue and I dont know wich part its not doing their job, I have on my credit report a account XXXX XXXX that was open on XX/XX/XXXX and closed on XX/XX/XXXX with XXXX balance with like 6 months late payments history that are NOT correct, it's the other way I always try to put extra money on monthly payment. I open a dispute with EXPERIAN and they closed the dispute with out investigating and updating this wrong information, I have my bank statements that I send to XXXX and EXPERIAN, when I called XXXX I spoked with Supervisor named XXXX XXXX I explain to him and show him my bank statements and he was sorry about it and he agreed with me to totally remove this account from my credit report, Im working into get my mortgage loan and this its affecting a lot, Im requesting EXPERIAN to investigate this issue and update payment history or removed this account from my report as soon as posible because I already wait for so long.

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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On my reports there is a closed account with missed payments. CAPITAL ONE BANK USA NA XXXX. I paid this account and do not owe anything, but the mark in the report prevents me from achieving the desired results. I am kindly requesting your company to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried multiple times to have the credit reporting agencies remove the incorrect information on my credit report. They have not furnished any contact information from the companies which they have verified their information from.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was attempting to our purchase a ring from XXXX XXXX in XXXX, Tx. I was assisted by a young man named XXXX. When there was a ring I was interested in, I asked about whether their company does financing. He says yes and ask if I would like to see if I qualify and I say yes. Only after he obtained all my information did he disclose that he was signing me up for a credit card. Immediately after I was informed that it was a credit card I instructed the employee to cancel the application. After which, he confirmed that I would not get the credit card and the there would not be a pull on my credit report. However, days later I receive an email notifying me that I have a new credit card opened in my name for this store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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 — Investigation took more than 30 days
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I have been in repayment for the Public Service Loan Forgiveness ( PSLF ) program since XXXX. I have had 4 federal loan servicers during that time and the servicers have not shared information between servicers about the status of my participation in the PSLF program as my loans were transferred among servicers. From XXXX, loan servicers misled and gave wrong information that I was on a qualifying payment plan and did not respond to requests for information about PSLF program participation, and the current servicer has delayed for two years a review of qualifying payments that they have claimed were ineligible for the program. Meanwhile, the Temporary Extended Public Service Loan Forgiveness ( TEPSLF ) program funds are available and I certainly qualify for forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Home Phone : XXXX NC Unemployment Claimant # : XXXX I am a XXXX XXXX located in XXXX, NC. 

Due to the COVID-19 outbreak, my XXXX was closed in XXXX, XXXX by State mandate. 

I filed my first claim for unemployment on XX/XX/2020 - confirmation # XXXX. 

A certification form has been filed each week since that time with all transactions and deposit dates recorded on the NC Division of Employment Security ( DES ) website. 

In the meantime, my bank of choice has undergone a progressive chain of events. Due to this, my account has been shifted around with the numbers changed and evidently compromised. 

I was a customer of XXXXXXXX XXXX which merged with XXXX XXXX XXXX to become XXXX XXXX. Consequently, banking laws, mergers and buyouts have now landed my account at First Horizon Bank, formerly known as XXXX XXXX XXXX 

Somewhere, the ball was dropped and my payments from DES have not been deposited into my bank account. I contacted the DES and was told it is a bank problem. I visited my current bank, First Horizon, and was told it is a DES problem. Wherever the blame lies, my money has been lost in the shuffle. Neither source claims to know where my money is and I have been going back and forth between them for almost a year. No solutions ; just blame on the other party. Now DES is apparently oblivious and has had my account locked for at least a month. I can not even file my weekly certifications. 

At this time, I am in desperate financial straits. I am about to lose everything I own. I am months in default on my commercial lease which if I lose, will put me in dire debt for many years to come. My phone, gas, water and electricity are one by one being disabled both at my XXXX and my home. 

I have followed all the rules, been available for interviews and telephone calls, and faithfully filled out all forms for certification. 

I hope you can help me. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX to : US Office of the Comptroller of the Currency US Federal Banking Commission NC Department of Commerce NC Commissioner of Banking XXXX XXXX XXXX, Chairman and CEO of XXXX XXXX, formerly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, President and COO of XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX, Governor of North Carolina XXXX XXXX, President of First Horizon National Corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a 34 year member to Navy Federal Credit Union and I am trying to refinance my current NFCU home loan in California in order to take advantage of the historically low rates. Since XX/XX/2020, NFCU has repeatedly processed the wrong type of loan three times causing me to have to reapply for a fourth time. My credit rating score is XXXX, my home has been appraised at {$420000.00} my current mortgage equals {$230000.00}, I am a retired XXXX XXXX XXXX and current XXXX XXXX XXXX worker with over 10 years of service. 
Having said all of that, NFCU keeps revising the loan documents and asking me to re-sign or repeatedly asking me for the same documents over and over seemingly in an attempt to delay the loan processing. Since XXXX I have e-sign to close this loan over XXXX times! It is odd and doesnt seem like NFCU is acting in good faith to close this loan. Just today I was notified that I need to pay for another termite inspection because they have taken longer than the VA required 90 days. This is outrageous. I have called and left a message for the supervisor of mortgage processing, but no one has called me back. NFCU has run my credit 4 times knowing full well that each time that its run it negatively impacts my score. Please assist in what should be a simple process. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 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:
My information has been stolen by someone unknow and they have been using it to get credit on my name, i have been very responsible securing my personal information, i cant think how they got their hands on my information, as a person that barely used credit, i can not explain how it is destroying my name / credit rating. my goal for this is to have all debt that does not belong to me removed delete and block from reporting to credit ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have reached out Transunion several times, sent several letters no response in reference to incorrect public records and accounts listed on my reports that don't belong to me. I have already placed a fraud alert on my credit as well as I asked that consumer statement on my report be removed. At this time I am trying to purchase a home and obtain credit for a mortgage and due to incorrect information being listed on my report I am unable to complete that process. 

I never filed bankruptcy not mines USBK CT XXXX XXXX not mines XXXX XXXX not mines XXXX  not mines XXXX XXXX not mines XXXX not mines

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 2021-02-23 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: CA

Complaint narrative:
There are accounts that are showing on my credit report that are inaccurate and should be deleted and blocked

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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by NORDSTROM BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I tried to call in XXXX to get deferment during Covid19 and phone lines to Nordstrom were jammed, I could never get through. And online it didnt give me an option to ask for deferment. Later my wife called on my behalf and XXXX told her not to worry that all accounts automatically qualify for deferments. 

The account information is the following : Account Name : NORDSTROM/TD BANK Opened Date : XXXX. XXXX, 2019 Balance : XXXX Credit limit : {$300.00} My demand is based on many damages and all the violations that they have committed. 

I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need incorrect addresses to be removed from my credit report, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
I have tried numerous time to have this company remove the false information from my credit report and they continue to report them. I have told them on numerous occasion to validate these reports and send me all the contact info and names of individuals supplying the information and they continue to ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Everytime I start paying my bills online and I go XXXX or XXXX and steal money out of my account and they do this often

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I noticed an account on my credit report listed in collections by Cavalry Portfolio Services for {$1400.00} that I did not recognize. I mailed a certified letter to Cavalry delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was one generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, Cavalry sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX on XX/XX/XXXX I met with an attorney representing Cavalry that told me that Cavalry did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, Cavalry never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Manager XXXX XXXX XXXX XXXX # XXXX has refused to close my inactive account where by they admit it was compromised at some point in time XXXX XXXX ). Speaking to paypal on the phone about my account after they verified me, still refused to close the account after demanding i provide a ID. Which will not happen as I didn't agree to there term of service, dont want there service any longer and closed a second paypal account without ID. If Paypal opens accounts as if they are a bank and violate KTC and AML standards that isn't my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC
State: IL

Complaint narrative:
On XX/XX/2021 I received an email from Nelson and Cruz associates stating I owed {$680.00}. When I called them the lady immediately had a horrible attitude and I asked her to lose the attitude and she told me I was refusing to cooperate and hung up on me. I am mediately called back and she goes we are not going to do this and you were going to continue to talk to me if you call back. She finally transferred me to the operations director who still refused to mail me a bill or anything and said he would email it to me. Currently waiting on that

Company response to consumer: Closed with explanation