vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: MD

Complaint narrative:
The information reporting on my credit profile is inaccurate and I would like you validate that its belongs to me per accounts below : XXXX :XX/XX/XXXXXXXX XXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year>XX/XX/XXXXXXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX :XX/XX/XXXX XXXX, XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> TransUnion : XXXXXX/XX/XXXXXXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX Balance : {$0.00} Account : XXXX Date Opened : XXXX XXXX, 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 2024-08-16 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: MD

Complaint narrative:
The information reporting on my credit profile is inaccurate and I would like you validate that its belongs to me per accounts below : XXXX XX/XX/XXXXXXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/2023XX/XX/XXXXXXXX XXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/2023 Equifax : XX/XX/XXXXXXXX XXXX, XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/2023 XXXX : XX/XX/XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/2023 XXXX Balance : {$0.00} Account : XXXX Date Opened : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a Notice of dispute to Cavalry Portofolio Services in response to a deceptive letter I received from them stating that I owe an alleged debt of. I also noticed that theyre also unlawfully furnishing nonpublic personal information on my consumer reports without my written consent. In the dispute I stated that I never done business nor have a contract with them to owe any debt to them and I never sent them my written consent. I requested the following documents 1.Forward flow agreement 2. Audit Trial 3. Chain of title 4.chain of custody 5.account ledger 6.orginal due holder en course of this debt to prove that I owe debt to calvary Portofolio Services, Calvary responded back to my dispute stating that pursuant to the Fair Credit Reporting Act they are reporting the account as accurate but they defaultes in sending me the requested documents to prove I owe the alleged debt they state that I owe. They are infact reporting innacurate information to my Cosumer reports and without my written consent. Theyre also in violation to privacy act 1974 which mandates the protection of individuals held by federal agencies and other certain organizations. Along with comitting idenity theft by mishandling my social security number which is a serious violation of my privacy and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/year>, I deposited a security deposit refund check of {$4800.00} into my checking account with Huntington Bank. The funds were placed on hold until XX/XX/year> until the money cleared. I was then locked out of my account starting XX/XX/XXXX, and when I called XXXX, they explained that they had reason to believe the issuing bank would not payout the amount of the security deposit refund check, which does not make sense because the check is legitimate. As of XX/XX/year>, I called them again and have been told that my accounts will be closed, that XXXX be receiving a check in the mail will any remaining funds, and a letter stating the reasoning for the account closure. XXXX concerned that the deposit I made for that check is in limbo and will not be credited to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: MD

Complaint narrative:
The information reporting on my credit profile is inaccurate and I would like you validate that its belongs to me per accounts below : Experian : XX/XX/XXXXXXXX XXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year>XX/XX/XXXXXXXX, XXXX. 
Balance : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXXXX/XX/XXXXXXXX, XXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX : XXXXXX/XX/XXXXXXXX XXXX : {$0.00} Account : XXXX Date Opened : XX/XX/year> XXXX Balance : {$0.00} Account : XXXX Date Opened : XXXX XXXX, 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
A Fair Credit Detailing Act ( FCRA ) violation refers to a violation of the government rule that governs the collection, distribution, and use of consumer credit information. You are expected to ensure that the information on my credit reports is 100 % accurate. I am entitled to compensation for this FCRA infringement because I have suffered injury as a result of it. Ideally, this compensation would take the form of DELETIONS ; if not, I will have to convey it to my legal counsel. I demand that these accounts be removed right away because they are not entirely accurate, as stated in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Lender initially pre approved me with a congratulations later but loan officer was very rude and XXXX on the phone. 2 days later the same loan officer denied my application with no valid reason. 
I bank with Nfcu for years. 
I had a an FHA loan in 2012 and paid it on time and completely. 
I have good credit but despite all this today navy federal credit union sent a letter denying my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sold a pair of shoes to a customer ( XXXX XXXX ) over cashapp. Once the transaction was complete and after reciving the shoes XXXX XXXX disputed the charge with their bank. Cashapp without notice or warning took the funds out of my account to refund XXXX XXXX. In the past cash app has told my bank ( XXXX ) that once a transaction is complete that its out of their control and that is their company policy. So my question is how did this person get their money back? I reached out to cash app and I have screen shots of a cash app representative ( XXXX ) stating they would cancel the charge from account which hasnt happened. I disputed the refund with my bank and that same statement of once a transaction is complete there is nothing we can do was given to the representative from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I made a {$600.00} payment on my XXXX credit card and was told I could use the card with new credit Then a second agent told me I couldnt that the account was closed so I demanded my {$600.00} payment refunded and was told that they would take out minimum payment of {$95.00} and send me a check for {$500.00} XX/XX/year> Then when I called today XX/XX/year> a supervisor told me that they took out a different minimum payment of $ XXXX and would not refund my payment even though I told them repeatedly that I cancelled the {$600.00} payment I have been having extreme medical hardship, tests and surgeries and am on XXXX XXXX agents including the supervisor lied to me and refused to cooperate XXXX XXXX XXXX www.aspire.com I want my {$600.00} payment refunded Because I cancelled it after being lied to by XXXX agents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Unauthorized charges from XXXX and a XXXX XXXX XXXX par I have tried to get a refund for these charges and even spoke with XXXX in there accounts department to find out these where in fact not my charges and they still will not refund my money. 

XX/XX/XXXX Unauthorized Charges : XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$17.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX, {$11.00} XX/XX/XXXX Unauthorized Charges : XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$13.00} XX/XX/XXXX. {$120.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$17.00} XX/XX/XXXX. {$4.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been bounced all over the place, trying to get a full payment history. I need this because I am part of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I have not yet received a refund of all monies paid in. I am still expecting {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
XXXX. Inaccurate and Unverifiable Information The credit reporting agencies have reported inaccurate and unverifiable information on my credit report, including late payments and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit agencies be 100 % accurate and verifiable ( 15 U.S. Code 1681e ( b ) ). I demand the removal of all inaccurate and unverifiable information and request {$1000.00} per violation as damages for the harm caused by these errors. 

XXXX. Reporting of Child Support Payments The inclusion of child support payments on my credit report is a violation of my privacy rights under the Privacy Act of 1974 and the FCRA. Child support payments are not to be reported on credit reports as they do not constitute a permissible purpose under the FCRA ( 15 U.S. Code 1681b ). I request the immediate removal of all references to child support from my credit report. 

XXXX. Defamation of Character The reporting of inaccurate late payments and negative accounts, as well as the inclusion of child support, has caused significant harm to my reputation and financial standing. As a result of these errors, I have been denied credit and faced increased costs. This constitutes defamation of character, and I am seeking damages of {$1000.00} per violation, as provided under the FCRA ( 15 U.S. Code 1681n ). 

XXXX. Data Breach Concerns I am also concerned about potential data breaches that may have compromised my personal information, including my Social Security number. Specifically, I am aware of the XXXX XXXX XXXX and other recent breaches that may have exposed my personal information to unauthorized parties. I request that the CFPB investigate whether these breaches have contributed to the inaccurate reporting on my credit report and take appropriate action to protect my personal data. 


Charge-Offs as XXXX : XXXX IRS guidelines XXXX a charge-off is considered forgiven debt and is treated as income. As such, it should not be reported as a negative item on a credit report. The IRS requires that forgiven debt, such as charge-offs, be reported on a XXXX form as income, which is subject to taxation. 



XXXXXX/XX/XXXX account - Charge off XXXXXX/XX/XXXXCharge off XX/XX/XXXX - late payment XX/XX/XXXX- Charge off XX/XX/XXXXXXXX - Charge off

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 2024-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My persistent efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to have a profound negative impact on my life, causing significant emotional distress. I must emphasize that I never authorized or consented to the inclusion of this information in my file, as I have been a victim of identity theft.

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 2024-08-16 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: TX

Complaint narrative:
My persistent efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to have a profound negative impact on my life, causing significant emotional distress. I must emphasize that I never authorized or consented to the inclusion of this information in my file, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I took over as the XXXX for a non-profit corporation that banks with Citizens. The prior XXXX arranged a meeting with the branch XXXX to remove the prior XXXX from our accounts at Citizens, and add me as the XXXX of the accounts. We have XXXX savings accounts and XXXX checking accounts. The meeting at the branch took place on XX/XX/year> at the Citizens Bank XXXX XXXXXX/XX/XXXXWe had the officers of the non-profit meet with the branch XXXX, and we signed documents, etc. I was told by the branch XXXX that administrative control was transferred to my name, and that I should try logging in to the accounts when I got home. 
We left the branch, and I was unable to register for online access using the Citizens app. I waited until the following week to follow-up with the branch. I called and was told the branch XXXX was on vacation. Over the course of the next week, I followed up numerous times. I asked for the branch XXXX to call me, but never heard from him again. I sent at least XXXX emails, and requested several times to the branch employees to have the branch XXXX contact me, but I never heard from him. 
XXXX of the branch staff reset the password linked to the treasurer 's email address, which I had access to, and I was able to login as the XXXX on XX/XX/year>. The old XXXX 's contact information was still listed on the account, and the account was still tied to his cell phone number. I spoke to branch staff several times to have this resolved, but as of XX/XX/year>, the former XXXX 's contact information is still tied to the account. I was concerned that the former XXXX could still access the account, given XXXX authentication was still tied to his phone number. This also made me concerned about the internal controls of the bank. I closed the accounts with Citizens today, and felt the need to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am writing in response to your recent communication indicating that the disputed account has been " verified. '' Upon reviewing the updated report, I have found significant errors that remain uncorrected, particularly in the " Date of Last Activity, '' " Date Reported, '' " Date Opened, '' and " Account Status '' fields. 

These inaccuracies suggest that the verification process was not conducted thoroughly, and I request that you reinvestigate these discrepancies. If you can not provide accurate and verifiable information, I demand that this account be corrected or removed from my credit report. 

Thank you for your prompt attention to this matter.

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 2024-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing in response to your recent communication indicating that the disputed account has been " verified. '' Upon reviewing the updated report, I have found significant errors that remain uncorrected, particularly in the " Date of Last Activity, '' " Date Reported, '' " Date Opened, '' and " Account Status '' fields. 

These inaccuracies suggest that the verification process was not conducted thoroughly, and I request that you reinvestigate these discrepancies. If you can not provide accurate and verifiable information, I demand that this account be corrected or removed from my credit report. 

Thank you for your prompt attention to this matter.

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 2024-08-16 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/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