vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says ... .. Law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says ... .. Law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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 am a natural person ; I am a living human being. I have rights under 15 USC 1681. Equifax is given by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXX XXXX  Dispute this Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Reported balance {$3000.00} XXXX XXXX XXXX : XXXX {$1700.00} XXXX XXXX XXXX : XXXX View Account XXXX Reported balance {$4900.00} XXXX XXXX XXXX : XXXX balance {$3500.00} Date reported XX/XX/XXXX XXXX XXXX XXXX : XXXX {$1500.00} XXXX XXXX  XXXX : XXXX {$3500.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The debt company ceased the collection debt, but Experian is not fixing my credit score or taking off the collection debt, been going thru this for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I reached out on XX/XX/XXXX about a payment plan that I was on. I was on an extended payment plan of {$270.00}. Unfortunately I had fallen through some hard times and asked if the payment can be moved. I was told that that payment could not be moved. Then I try to make a payment, and then that payment was returned due to insufficient funds. I tried to reach out on Monday, XX/XX/XXXX and none of the representatives were helpful. I kept getting the runaround. I had put in a complaint, and I responded to the complaint. Explaining that I agree with the outcome but I am working on getting the funds and once I had the funds I will reach out today at around XXXX XXXX. I got a call from the department the in-house to collections department telling me how am I going to be paying that balance? I explained that I did not have The available funds because Im trying to work things out with my bank to see if theres a resolution to get the negative valance fixed then I asked, can you please remove my phone number so I dont have to get calls and I can focus on getting back in my feet and the agent I spoke to told me unfortunately theres no way to remove the number collection efforts will assume I want this company to cease and desist communication until Im able to get back on my feet. I am not denying this debt. I know I owe but I just want the calls cease because this is put a lot of stress on me physically, and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage transferred my account to XXXX XXXX bank. I was made aware after logging onto my XXXX app to make a payment to my credit card - there were no communication from Freedom Mortgage regarding the transfer. I called Freedom Mortgage on XX/XX/2023 confirming the transfer and also as the information on my XXXX account was misleading and incorrect. I spoke to a representative who forwarded me the statement of account, and confirmed the payment I made on XX/XX/2023 for XX/XX/2023. He further stated and confirmed that he saw that my account was updated with my XX/XX/2023 payment on XX/XX/2023. He made a request for his department to update my statement and resend to XXXXXXXX XXXX and also told me they have 60 days to make the information correct. To date the information is not correct and XXXX keeps calling me. 

I would like for Freedom Mortgage to honor their contract and update my account with XXXX for my XX/XX/2023 payment. Freedom Mortgage stated in their communication to me that they will accept payment up to XX/XX/2023 and I made my payment on XXXX XXXX. Also, I would like for any interest or fees accrued on my account to be removed. 

I have a 100 % on time payments with all credit cards, etc. and this bothers me that Freedom Mortgage refuses to honor their contract of service. I am very distraught and cry because Freedom Mortgage abuses their authority and is disregarding my efforts. They have not responded to date to my inquiry nor as they updated my account with XXXX. Please assist me on any or all legal formalities I can take.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
amex gift can not be used anywhere online. it is well documented that these amex gift cards are rejected by 100 % of all online commerce sites.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 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: FL

Complaint narrative:
I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX XXXX. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: FL

Complaint narrative:
I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX XXXX. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I was a victim of XXXX data breach and inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Avant Holding Company, Inc.
State: LA

Complaint narrative:
I was a victim of XXXX data breach and inaccurate information needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In XX/XX/2023, I noticed that my care credit limit decreased from {$1800.00} to {$270.00}. I contacted Care Credit /Synchrony Bank and was told that I had " Significant negative impacts on my credit reporting, non-timely payments, and too little payments ( not meeting the minimum balance ) '' This scripted response is not only entirely inaccurate, but is apparently being used on customers that even have great to perfect credit. It is also known that Care Credit/ Synchrony Bank will close accounts without informing the customer, causing determent to the persons credit reporting. 
They stated they sent out a letter. That letter was never received. I waited for another one, never received it. I called back to request another letter, and what I received is attached. A non-helpful, non-requested letter stating they do not run credit .... if that is so, then how can they attest to the statement above? 
This company seems to be operating in a scam-like fashion and not fulfilling its duties to inform the customers of changes being made to their accounts and doing so with inaccurate reasoning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MO

Complaint narrative:
I filed a dispute for an unauthorized transaction of {$270.00} to XXXX. Cashapp denied that dispute. 
I then went to target who said the transaction does not exist in their records and stated that cashapp never once contacted them to confirm that!!!! Everytime I call now to get an explanation I get hung up on. 3 people have just completely hung up on me because they dont have answers to my simple question. I will never stop posting everywhere and anywhere possible to try to get the word out to people that cashapp Will completely rob you and there is absolutely nothing you can do about it after the fact. Please, if you have kids or a life choose somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I made a payment for a specific date ( my due date ) and upon review of the receipt, it was marked for the following day. I was on the phone for 3 hours and all the representatives told me there was nothing that could be done. I asked for them to review the recording that specifically states my due date is the date the payment was made and they said nobody could. I was then told that I would need to pursue legal action to get any sort of resolution because nobody would fix it. The only thing they offered was to cancel my payment because they didn't honor their terms and conditions. All of this in spite of the supervisor agreeing that the information I agreed to was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Braviant Holdings, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT XXXX XXXX XXXX. They sent me a letter with a company name sun up financial, llc balance credit. XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX requested removal of over draft service that caused fees. Fees were removed and I was told that service was no longer on my account. 
Moving forward the Now there are fees and the service was not removed. 
But the incurred fees were not removed although it was not suppose to be on my account. 

Spoke to XXXX : It was not clear on what needed to happen or what I was waiting for but was told someone will get back to me within XXXX XXXX was helpful to file a Compliant that Ibhave not heard anything back about Compliant # XXXX Case Number # XXXX Reference Document # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
My brother received today a notice to sale the car and in the letter said if they sell the car for less we have to paid for the remaining balance. The only thing that my dad left was this car he doesnt left anything else. My brother is asking that he dont want to receive any more letters of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
This debt collector engaged in threatening deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XXXX of this year I took a step to dispute all debts that are inaccurately reporting on my files. For the past several months Equifax has refused to send me documentation of their so called investigation regarding " XXXX XXXX '' which is a collection agency claiming that I owe XXXX XXXX ( who is NOT my provider for several years ) each letter I've submitted I would get back a generic letter claiming that it's been verified. Well if that's so then why haven't Equifax submitted via mail the steps used to proof this debt is valid and mine?! Furthermore, I am a victim of their high profiled data breech that they're fully aware of. It is my belief that this XXXX XXXX is definitely not my debt and I wish to have it removed. I will submit copies of certified receipts showing proof that I corresponded to Equifax and to no avail got any assistant. Please assist me in removing this from my profile as it's hindering my credit growth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a fraudulent account with XXXX XXXX XXXX XXXXXXXX, i make a request for this account validation and XXXX XXXX could not validate this account as mine as FCRA says..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a fraudulent account with XXXX XXXX XXXX XXXXXXXX, i make a request for this account validation and XXXX XXXX could not validate this account as mine as FCRA says..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my mortgage account with this bank. During the COVID-19 pandemic, I experienced significant financial instability, which led me to seek assistance from the bank in adjusting my payment plan. Despite multiple attempts to contact the bank, I did not receive any response, rendering me unable to afford the high payments at the time. 
It was only after the COVID-19 pandemic had subsided that I received a response from the bank. Subsequently, we were able to establish a new payment plan, and since then, I have consistently made timely payments, with no further instances of late payments. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. 
I understand the importance of accurate credit reporting, and I believe that the presence of these late payments on my credit report does not accurately reflect my current financial situation and payment history. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank.

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