vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
events ) Theft XXXX XX/XX/2024 New Individual No My bank has twice moved funds without my authorization as well as let a family Member service the account. I have filed out all the fraud reports they have sent me and they have not responded to a single one. They cant provide a document showing where I authorized this - because I didnt. I call and they just tell me to file a fraud report with the fraud department. I do and they go unanswered. I authorized none of that and need to take legal action. They have take. Money from me I never authorized. I looked into suing your bank and it was suggested I file a police report for documentation purposes. I filed one with the XXXX police. This is my mailing address. I dont have a home I am staying in XXXX and my privacy is being violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Illinois Collection Service, Inc.
State: OR

Complaint narrative:
The debt in question was a violation of the No Surprises act, and as such was not to be paid but the medical facility sent the balance to a collection agency regardless. The collection agency has continued to harass me via text message, directly addressing my XXXX XXXX XXXX son ( the subject of the charges ) in their threatening correspondence. It is constant, and it is inappropriate to be writing their messages to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-13 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: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress 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 2024-05-13 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: NY

Complaint narrative:
I am writing for a fourth time in response to false information TransUnion is reporting on my account. They claim to have 'investigated ' and 'verified ' the information is accurate, if so then i should be provided with documentation proving the validity of this account XXXX XXXXXXXX as I did not authorize nor did I apply for it. 

I have provided TransUnion with documents 3 times including police reports, FTC reports, my sensitive personal information and documents as well as fraud packets. I have received nothing in reply showing this account was authorized by me. Neither of the other two major credit agencies ( XXXX and XXXX ) are reporting this account on my credit file. Please 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 2024-05-13 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: OR

Complaint narrative:
I just checked and reviewed again my XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-13 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed some accounts that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I need to be able too open a bank account

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
US bank called and said they had overpaid me in XXXX in the amount of {$500.00} and now in the middle of XXXX want it returned. 
I told them that if what they said is true then they made the mistake XXXX years ago and to write it off. 
I got a letter from XXXX XXXX XXXX saying US bank handed the collections over to them. 
I told them I dont owe anything and if they touch my credit I will sue them. 

Please help Thank you.

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 2024-05-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-13 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. I request another investigation and the immediate removal of the fraudulent Transworld Systems account listed under my social security number. The company could not have possibly conducted a proper investigation. I am requesting a real and THOROUGH investigation! Begin with the NAME PROVIDED! It is NOT my name! Someone clearly impersonated me and did a XXXX poor job at that. They didn't even get the name right. They just stole my social security number! Secondly, the " proof '' that was provided not only DID NOT HAVE MY NAME, the alleged documents were not even completely filled out! I am demanding an IMMEDIATE deletion!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: WI

Complaint narrative:
This company continues to call my phone about a debt I have no idea about - I have tried to get the information on the account several times and the agents are rude and hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I'm writing to request that my consumer report for XXXX and this month and my consumer file be sent to myemailaddress XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: NV

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
My loan was purchased by BSI Financials- a company that seems to be a shady unreliable and untrustworthy lending company. I spoke with BSI financial about recasting my loan as well as dropping my PMI back in XXXX of XXXX when my lawn was a little more than XXXX months old and I had made full and on time payments for the loan 's entirety. I was told that I could do both and they sent me information on how to do just that. The process was to take XXXX days. I officially completed the improvements to the home in XXXX of XXXX and sent {$250.00} and an email with a signed letter requesting the actions of dropping my PMI and recasting my loan on XX/XX/XXXX and received a confirmation number ( XXXX ) and was told that I would hear from them soon, It had even explained that I would hav veto pay for the appraisal but that everything else was on them to handle. I was also told that I would not be able to use the online portal to make payments on my mortgage while the loan account was in review for these tasks ( recast and PMI drop ) I have had to call in with routing and account numbers every month in order to make payments. I emailed and called and have had no luck. I was lied to and told that the loan was in underwriting - I asked how that was possible when I have not been assigned an appraiser or paid for the appraisal to happen. that email was never answered. I emailed again and I was told that the loan was under review and I should wait for more information. I called and emailed again - finally getting the situation escalated to a supervisor who seemed to realize that I had been being lied to by the account manager as NOTHING had been done with my account this whole time. I was assigned to another account manager who has no gone radio silent and will not respond to email or VM. We are now XXXX months ( XXXX days ) into a process which really should only take a few weeks but is long past the lender 's XXXX day window. I do not what to do. I invested a lot of money into the property based on materials of information provided to me by the lender that I would be able to drop my PMI and recast the loan. NOTHING has happened. I feel that I have lied and stolen money from me. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Scam on XXXX. Person hacked account of friend and tried selling a couch. I sent {$210.00} to them through Zelle. Zelle can not do anything and neither can my bank. Person blocked me after the money was sent, and definitely did not send a couch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 at XXXX I contacted capital one to get a payoff letter and payments history due to my car being in an accident and the payoff amount they gave the insurance is over {$1000.00} dollar different then where it was before. I spoke to a customer service representative and a manager who refused to provide my payoff letter. They said I will receive my payment history but I haven't received it yet. They said they sent the information to the insurance but that doesn't change the fact that I as the borrower requested documentation off my loan and they are refusing to provide it. As a grantor I am entitled to the documents of my loan. They even said they can see the letter that was sent to XXXX but they won't provide it to me. I work for a bank and we do these request often but for some reason capital one doesn't want to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX garnished my wages through the XXXX municipal court and released wage garnishment on XX/XX/2021 in the amount of {$1200.00}

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 2024-05-13 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively. 

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation. 

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter. 

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I saw a promotion on Capital One website for Savor card. Two of the features attracted me at the top of page were {$200.00} cash bonus and 0 % interest for 15 months. I read the details of the terms carefully and was confident I was eligible for this promotion. I followed the instruction on the page and clicked Apply Now button to start application and completed successfully. I got approved immediately. I also downloaded and saved the webpage the same day. Attached please find a copy of the webpage. 
After I received my card I spent {$500.00} on purchase to meet the requirement for the {$200.00} bonus. For the 0 % interest offer I setup auto-pay for minimum payment. However, on XX/XX/XXXX I found there was a {$5.00} interest charge posted on my account. I called Capital One immediately and was told the promotion offer I applied for was not attached to my account. 
Trying to find out why the bank did not offer the promotion they advertised, I talked with two representatives on the phone on XX/XX/XXXX and anther one on XX/XX/XXXX. I was given three completely different answers. The first one told me my credit score was not excellent for the promotion. The second one, his supervisor, told me because I had Spark business card when applying for Savor card. The third one told me because there was no promotion for this card. All of the three answers are false. Please refer to attached copy, there is no credit score requirement in the terms on the webpage. The terms do not say having another different credit card would prevent you from getting the promotion on Savor card. The webpage shows clearly there was promotion for this Savor card. The webpage was downloaded the same day when I applied. The downloading time of XX/XX/XXXX XXXX pm is clearly shown at the top left corner of each page. Even the first two representatives admitted there was a promotion for this Savor card.

Company response to consumer: Closed with explanation