vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: WA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX of XXXX, I was experiencing financial hardship, and was waiting for XXXX to come through with payment. As many people know ( and as I explained throughly to XXXX ), XXXX benefits often take 4-6 weeks ( if not 8-10 ) before they pay you. In XXXX of XXXX, I spoke to a representative on a recorded line and firmly delineated that while waiting for XXXX to process, I can not afford to pay a loan and rent and bills. 
The servicer on the lender 's end said, and I recall, " It will not negatively affect your credit if you can pay it back within 60 days, that is by XXXX of this year. If at that point there is still an issue, then a deferrment is needed. '' I felt reassured that they understood and had made proper notes in their system. 
So, in XXXXXXXX XXXX XXXXXXXX, when this was still a pressing issue, I reached out for a deferrment, and was granted one. I made payments to keep current, as promised with the agent on the line, who guaranteed that was all that was needed to not be negatively impacted in a credit report. I have been making current and full payments since. 
It is XX/XX/XXXX. I went to apply for a loan so that I could fund a degree and pay it back on slower terms than out of pocket, as sometimes bugeting for XXXX XXXX XXXX XXXXXXXX for a degree is challenging, and I did not want to run into an issue of not being able to pay for other expenses. It's called smart budgeting and having an XXXX XXXX XXXX. 
XXXX refered the " adverse action '' as - " you have negative payment history '' as to why they could not finance my realtively small loan. It is interesting, though, as they are the ones who reported the deliquencies and derrogetory marks between XXXX XXXX ( the exact 60-day period aforementioned would not negatively impact me ).

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 2024-02-10 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: VA

Complaint narrative:
In XXXX of XXXX, I was experiencing financial hardship, and was waiting for XXXX to come through with payment. As many people know ( and as I explained throughly to XXXX ), XXXX benefits often take 4-6 weeks ( if not 8-10 ) before they pay you. In XXXX of XXXX, I spoke to a representative on a recorded line and firmly delineated that while waiting for XXXX to process, I can not afford to pay a loan and rent and bills. 
The servicer on the lender 's end said, and I recall, " It will not negatively affect your credit if you can pay it back within 60 days, that is by XXXX of this year. If at that point there is still an issue, then a deferrment is needed. '' I felt reassured that they understood and had made proper notes in their system. 
So, in XXXX of XXXX, when this was still a pressing issue, I reached out for a deferrment, and was granted one. I made payments to keep current, as promised with the agent on the line, who guaranteed that was all that was needed to not be negatively impacted in a credit report. I have been making current and full payments since. 
It is XX/XX/XXXX. I went to apply for a loan so that I could fund a degree and pay it back on slower terms than out of pocket, as sometimes bugeting for XXXX XXXX XXXX XXXXXXXX for a degree is challenging, and I did not want to run into an issue of not being able to pay for other expenses. It's called smart budgeting and having an XXXX XXXX XXXX. 
XXXX refered the " adverse action '' as - " you have negative payment history '' as to why they could not finance my realtively small loan. It is interesting, though, as they are the ones who reported the deliquencies and derrogetory marks between XXXX XXXX ( the exact 60-day period aforementioned would not negatively impact me ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I was victim of Identity theft and wants these removed from my credit reports I've reached out to the company many times with no response. XXXX for {$1200.00} account # XXXX. Also XXXX XXXX Accounts that was open frauduanlty account number XXXX and 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 2024-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
My loan servicer sold my loan to Carrington Mortgage. They failed to provide me with the account information needed to make payments online even though I havent missed a payment since buying my house and have been on autopay. The new loan company also closed my loan which caused my credit score to drop over XXXX points due to the loan servicer changing. They were rude when I called to request account information to be able to make a payment. When I mentioned the XXXX grace period the agent became upset and told me I was behind on my account and she was trying to collect a debt. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear Consumer Federal Protection Bureau. 
I am writing to formally request a credit for a credit card dispute concerning charges related to concert tickets purchased using my Citi card ending in XXXX. 
On XX/XX/XXXX, I purchased XXXX concert tickets to attend XXXX XXXX concert in XXXX. Unfortunately, the event was canceled on XX/XX/XXXX, and subsequently rescheduled for XX/XX/XXXX. Regrettably, XXXX member of our party could not attend the rescheduled date. 
Between XX/XX/XXXX, and XX/XX/XXXX, I contacted XXXX to request a refund for the unused ticket. However, after weeks of waiting, the refund had not been processed. Upon contacting XXXX, I was informed to contact the merchant for further assistance. 
Subsequently, I reached out to Citi Bank, and a representative initiated a dispute for the refund of the unused ticket. Unfortunately, due to an error made by the representative, the dispute was filed for an incorrect amount. Despite assurances to correct the error, it was not rectified. 
On XX/XX/XXXX, XXXX credited me ( {$560.00} ) for the unused ticket, and on XX/XX/XXXX, Citi Bank credited ( {$1600.00} ) for the disputed amount, but this credit was not permanent and charged back to the credit card. In addition, this total does not cover the original cost of the XXXX tickets. 
Recently, on XX/XX/XXXX, I discovered that the XXXX remaining tickets were voided by XXXX. Upon contacting Citi Bank, I encountered unhelpful and discourteous customer service, which only exacerbated the situation. 
As a result, I was forced to purchase XXXX new tickets from XXXX at a significantly higher price of {$2900.00}. This financial burden could have been avoided had the original dispute been handled accurately. 
I kindly request that the total credit amount of {$2300.00} be promptly processed to rectify this issue. Furthermore, I urge you to investigate the conduct of your customer service representatives to ensure that such incidents are not repeated in the future. 
Thank you for your attention to this matter. I anticipate a swift resolution to this dispute. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: VA

Complaint narrative:
TransUnion File # XXXX Credit Report Date XXXX XX/XX/XXXX I sent dispute to TransUnion regarding Credit Report File # XXXX Dated XXXX XX/XX/XXXX that they are reporting inaccurate information and under the laws and guidelines of the Fair Credit Reporting Act ( FCRA ) that this inaccurate and false information on my credit report needed to be permanately removed from Credit report. 

1st Dispute : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Act # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX. 

2nd Dispute : XXXX XXXX - Act # XXXX. This item was to be removed from my Credit report on XX/XX/XXXX. 

3rd Dispute : XXXX XXXX - XXXX # XXXX. This item was to be removed from my Credit report on 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
Consumer complaint received 2024-02-10 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: MO

Complaint narrative:
Experian clearly uses the 60 day response period to scam consumers by first lying saying they are still working on the issue and right at the end of XXXX the 60 days thy close the complaint JUST LIKE THIS ONE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

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

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 2024-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I began months ago trying to clean up my credit. Care Credit was a debt that showed as owed. I have contacted multiple times over the last 6 months to which I am given phone number after phone number. Each representative I have spoken with claims someone else has the debt. I have filed disputes through the credit bureaus to which this company verifies the debt but in attempts to pay it's the same run around. No one seems to know anything about this account. I am no longer willing to pay this account or continue to sit on the phone for hours trying to find it. At this point I would like the account written off and taken off my credit reports.

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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: PA

Complaint narrative:
The account was paid off for an amount around $ XXXX, but they charged me for a principal of the amount of $ XXXX. I called them out on this and they removed the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The limit on card is {$1500.00} and the current balance is {$4500.00}. When I was in abroad due to Covid pendemic someone charged or card company billed by third party do not have an idea. Many times I disputed but no proper resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.

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 2024-02-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Yesterday on XX/XX/24 I was at the grocery store and went to go check out with my Robinhood debit card. I had money in my checking and the card kept getting declined. Come to find out robinhood put a restriction on my account for a security review I called them and gave them all the info that they requested and explained to them that there had been no unauthorized charges and no one else beside myself had access to my account. They then said they would submit my answers to their team dedicated to this issue and get back to me in XXXX business days. I explained to them I was at the grocery store my kids needed food for the weekend and I needed access to my money in my checking. They did not care and just kept giving a generic answer that their review team would get back to me. This is crazy I need my money I need to buy groceries and gas to get to work. I did nothing wrong for my account to be restricted like this especially after I provided them all the info they requested. I need access to MY money in my checking account how can they just do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BOK FINANCIAL CORP
State: KS

Complaint narrative:
We had a loss on the property due to storm damage and received funds from our insurance company to include BOKs name on the checks. All funds for payment to the contractor has been received by BOK which totals {$24000.00} and all work is complete and theyve only sent us and contractor {$3000.00} and refuse to release any more of the insurance money. Theyre saying only 97 % of the work has been completed but keep telling us different things that arent done after we show them that they are indeed complete. Weve been fighting to get the contractor paid since XX/XX/2023 and still only received the XXXX XXXX payment for him. Were now in fear of being sued by our contractor because BOK made him sign a waiver of lien before allowing him to begin the work. Our insurance company has completed their part, our contractor has completed his part, weve sent them everything they have requested multiple times and still nothing! The frustration and run around with this company is insane! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: NC

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

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 2024-02-10 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: NC

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

Company response to consumer: Closed with non-monetary relief