vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
1. NAVY FEDERAL WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/ WHICH MEANS THE DEBTS XXXX PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
I received a letter from Mohela on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX XXXXor me, and I sincerely hope for a swift resolution.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation
State: IL

Complaint narrative:
A company called Indebted has been. Emailing me in attempts to collect a debt. I repeatedly asked them to stop emailing me and contact me at the address that they have on fileas well as send a debt validation.. They responded that they can't do that and continues to email me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Received XXXX online Saving account statement from Goldman Sachs Bank USA XXXX PA on XX/XX/XXXX. 

I never opened it and never give permission to anybody about my personal information. 

I called XXXX XX/XX/XXXX XXXX XXXX and talked agent for 15 minutes, possible fraud and got advised call tomorrow morning I called again on XX/XX/XXXX XXXX XXXX  for 49 minutes. 

Bank can not provide me any detail information on my information that someone gave to Bank. 
Refuse to give any fraudulent activity 's that I would like to see. 

Bank refer to their fraud unit and I requested closed account and information, Bank will send close notification, not the detail information. 

Bank should not open this account with fake email address and telephone number. 

Bank should not advertise in website " secure online Bank etc '' Bank do not have strong internal system to prevent " victim 's '' like me. 

I am worrying very much that XXXX XXXXXXXX XXXX fake account use by criminal activity. I could not sleep at all to worry about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
In XXXX I received an email from my insurance company that my subscribers account was available for viewing online. I went to the companys website to view the account and saw that there was over XXXX dollars in savings.I was also told to look for a distribution in a few months. As if this week, I have received {$16.00}. I have been a member with USAA for 41 years. 
When I talk with other USAA members, my reimbursements are far less than other members that have experienced similar situations as my own. 
After receiving this distribution I call in to find out what remains, and there is just over XXXX remaining. That means that within less than 8 weeks, more than XXXX was distributed, but I only received {$16.00} dollars and XXXX cents. This has been occurring for the last few years, where my account has had greater returns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The charge on the account was fraud. I never used the account. Capital One refuses to take a fraud report and refuses to close the account without me sending personal information such as bank statements. They also are refusing to close the account until I provide them with payment for the balance. They continue to charge interest and late payments and report to my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I am carrying a negative balance on my PayPal account and they sent me to collections. 

In the notice that I was being sent to collections, there was, as law requires, an option to say I did not want to receive further communications at that email regarding the debt from the collections agency. 

However, to access that option, you had to log into your PayPal account, which had already been locked. So, in practice, there was no realistic way for me to get them to stop emailing me, a right guaranteed to me by law. I couldn't log in to opt out because they locked me out. 

It seems to be like they are skirting the law on this one. PayPal doesn't have a stellar record with the CFPB, so I'm not shocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one bank on XX/XX/2023, ran my credit as a hard inquiry with all three credit bureau without my consent. I have not yet received a letter with my consent from Capital one that I authorize them to run my credit. I need this hard inquiry removed from XXXX, XXXX and XXXX its hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Absolute Resolutions and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. I have attached a debt validation letter demanding competent evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Newport Intermediate Inc.
State: VA

Complaint narrative:
Company deceived consumer by not allowing them to " manage the funds '' with a protected PIN as well as did not provide 80 % as XXXX claims to be a " fair value ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the 3 credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all 3 credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all 3 reports as of today XX/XX/2023.

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 2023-12-14 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-14 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Request for Equal Credit Opportunity Act Compliance and Account Update Dear Underwriters, I am writing to bring to your attention certain provisions within the Purchase and Sale Agreement dated XXXX XXXX XXXX between Nordstrom , Inc., Nordstrom Credit , Inc., Nordstrom XXXX, and TD Bank USA, N.A. As an individual with a credit account at Nordstrom, I am particularly concerned about the impact of the agreement on my credit extension. I applied and received a denial notice on XXXX XXXX XXXX  which is evidence of discrimination per the Equal Credit Opportunity Act. 

Your agreement defines " Acquired Assets '' to include all rights, titles, and interest in Credit Card Applications, which implies the inclusion of my credit application as part of the assets acquired. Additionally, the assumed liabilities encompass obligations to perform under Credit Card Agreements, including payments and credits, acknowledging TD Bank USA, N.A. 's role as a guarantor. 

I want to draw your attention to potential concerns under the Equal Credit Opportunity Act ( ECOA ). Section 12 CFR Part 1002 ( a ) of the ECOA explicitly states that a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Considering this, any denial of access to my credit extension with Nordstrom based on the acquisition of assets would be tantamount to discrimination under the ECOA. I request strict compliance with the ECOA and fair treatment in granting access to my extension of credit. 

Furthermore, I formally request, in consideration of the acquired asset for which value has been provided, access to my credit extension with Nordstrom. 

I appreciate your immediate attention to this matter and request written confirmation of the actions taken to address these concerns. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. Fir XXXX my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. Fir XXXX my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.

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 2023-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX ( Finance ) CAPITAL ONE ( Bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: Marlette Funding, LLC
State: PA

Complaint narrative:
On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX ( Finance ) XXXX XXXXXXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX/VERVENT-REVVI ( Finance ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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 urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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