vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The HSBC BANK USA XXXX account reporting on my credit report as Closed is incorrect, inaccurate, and false. Additionally, the impact of the Closed account as a Charge-off and Balance is reporting wrong credit utilization. The HSBC BANK USA XXXX account reporting on my credit report as Charge-off is further incorrect, inaccurate, and false. 

XXXX responded " Trade : HSBC BANK USA XXXX THIS ACCOUNT IS CURRENTLY REPORTING AS CLOSED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. '' I did not sign any such credit contract agreement with HSBC BANK USA XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with HSBC Bank USA XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

HSBC BANK USA XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to HSBC BANK USA XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to HSBC BANK USA XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX has no right to collect any debt for this account from HSBC BANK USA XXXX that was transferred or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is in addition to complaint XXXX. I had more time to review my credit report and found more errors. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? This is a charged off account, but XXXX is reporting that I was late once, and the account became a charge off. We know that an account is not charged off after 30 days. XXXX is reporting that the account was a charge off but has exceptional payment history. How is this possible? XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I will attach the credit report for reference. Also refer to complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion has a free service accessible through www.service.transunion.com that allows you to have a look over your credit status with them. 

Due to moving around quite a lot and having not been on top of my credit it was understandable that when I tried to create an account with them that there were errors in verifying my identity. However, over the past three months after sending multiple documents over email and physical mail Transunion has been inept at following up on the status of my case and have been inept at pointing me to the right people to talk to.

In the past 3+ months I've been sent to multiple departments, told conflicting information, been asked to send the same documentation multiple times. All while never been told the status of the case unless I had to explicitly call. Up till now I've probably spent over 10 hours on the phone with a multitude of agents and still the issue has not been resolved.

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 2023-02-13 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: TX

Complaint narrative:
I have reviewed my XXXX XXXX and noticed that this XXXX Credit Card account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account. 

XXXX and XXXX have already shown that the account was not mine and the information is not accurate so they have removed the account. Experian still has not. 

I have attached photos from XXXX separate reporting companies that show different/inaccurate information. In the photos you'll notice that Experian shows on XXXX report the open date is XX/XX/XXXX and the other says XX/XX/XXXX. It also shows on XXXX report that the last payment was made on XX/XX/XXXX and on the other report, it shows no such payment was made. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

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 explanation
Consumer complaint received 2023-02-13 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: CA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: MO

Complaint narrative:
I, XXXX XXXX XXXX, have recently discovered that I have been a victim of identity theft. Below are the incorrect transactions or experiences that I was not aware of being reported to my consumer report, nor did I give my expressed consent to allow such reporting. I was not the beneficiary in the inquiries listed below and on my consumer report and was unaware of such inquiries until now. The transactions/experiences as well as the incorrect personal information is to be deleted from my consumer report as it is damaging my reputation and alters my being able to provide for my family. Please remove and delete the following transactions/experiences : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( acct XXXX ending in XXXX ; delete late payment reported XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( acct XXXX ending in XXXX ; delete late payment reported XX/XX/XXXX ) Erroneous Names & Addresses XXXX ( Formerly Known As ) XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, MO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX XXXX XXXX  XXXX, XXXX, MO. XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I made a transfer on my account ending XXXX to my XXXX XXXX XXXX ending XXXX, however it went to XXXX due to an input error. The account is wrong and according ACH Network rules, the wrong account number I should be given the opportunity to get my {$4000.00} back. XXXX XXXX XXXX put in a research request and after an hour on the phone with XXXX she said " IF it gets resolved in your favor '' with no validation I will get my money back. USAA was made aware of the error within five days and was told on both occasions " because there are multiple disclosures '', I literally saw no disclosures nor do I read well. So I transferred the money assuming it was going to my account, unaware the mixed up in the last few digits. Making both parties aware of the issue, XXXX XXXX XXXX said the issuing back ( requestor ) USAA should have the ability to reverse or request reversal. They seem very unbothered that their client just lost {$4000.00} to a stranger and made no attempt to resolve it for me. I asked on a second call to escalate this claim. I am hoping for a timely resolve. XXXX XXXX XXXX  should be able to use the Tracer to move the money from the wrong account # XXXX to the correct account ( mine ) # XXXX Please help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I want to complain about the problems I have had with my mortgage collections since XX/XX/2022. 

The Department of Economic Opportunity through the government of Florida has sent checks for {$1300.00} each month to cover the costs of my mortgage because I am going through financial difficulties but every time the check arrives at Flagstar Bank it is not applied to my balance in a timely manner. Every time I call telephone technical support, they give me inconsistent answers and even the telephone advisors lie to me. I have never had the same response from telephone advisors in each of the many times I have called for my payment to be applied to my balance. The only way my payments have been processed is by making formal complaints with government authorities. Please apply the checks sent by the government to my general balance because I already owe a lot of money and the checks are in the possession of Flagstar bank. You should already be in possession of two {$1300.00} checks, apply them to my current statement and any balance where I am owing money. I am desperately asking for help because I just want the payments to be implemented. Thank you. 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 explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
Collection Agency : XXXX XXXX Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : SOUTHWEST CREDIT SYSTEMS , L.P . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: KY

Complaint narrative:
I waited nearly two months to receive my item purchased using afterpay. After still not receiving the item, and successfully completing all 4 installment payments, I requested to cancel my order for a refund. The original merchant of the item confirmed my order cancellation, but afterpay has completely ignored me regarding my refund. I have started multiple disputes through their app, but received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NJ

Complaint narrative:
GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken XXXX Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 1666b Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy

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 2023-02-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken XXXX Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 1666b Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: SC

Complaint narrative:
I have XXXX XXXX and Americollect trying to collect the same debt for XXXX XXXX. I have made payments in the past to XXXX XXXX on this account and the balance as of XX/XX/23 is {$490.00}. I received a bill from Americollect on XX/XX/23 for {$550.00}. I immediately called Americollect and thecollection agent told me I owed them {$550.00}. I told her that was incorrect that I had previously made a payment to XXXX XXXX and her amount was wrong. She informed me that XXXX XXXX XXXX reported any payment made to them and asked me if I would like to be transferred to a supervisor. I said sure. The supervisor was rude and would not let me talk and continued to try to talk over me and argue about the amount owed. I tried to inform her that I had spoken with accounts payable at XXXX XXXX and paid off XXXX account and set up payments on the remaining account. She said they could see payments made to XXXX XXXX and then changed her story when I told her I had copies of payments made on the XXXX XXXX app. Then she said she was sure they would get around to reporting the payments next week I should check back then. I then told her the payments were set up with XXXX XXXX and I wouldnt be contacting them anymore. I told her it was fraudulent activity to try to collect {$550.00} and I only owed them {$490.00}. She said thats what she could see and thats what they were trying to collect. I told her I would be glad to send over proof of payment and she simply replied by saying we are already past that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am respectfully requesting to have negative items removed from my credit report from my Capital One Auto Loan and my Capital one credit card. Dates : XX/XX/22 through XX/XX/22. I am also requesting that my auto loan account be removed from Charge off status and closed account be open on my credit report. I am a military veteran with XXXX on permanent XXXX. I was a XXXX in the city of XXXX who had a severe episode of XXXX involving my military experience, sick patients, and the influx of patients and extra demand from COVID 19. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I applied for XXXX benefits to pay my bills. My VA XXXXXXXXXXXX didnt get processed until XXXX of this year. I received all the retroactive pay from the previous year and caught up on all my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 

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

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

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiriesXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation