vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit score was a XXXX about to be XXXX but I got into a financial struggle in a XXXX XXXX, I disputed the unauthorized transactions to my credit reporting agency and gave them all my information, and they refused to remove the maxed out credit card on my credit account. I disputed this multiple times and they refuse to follow the law and give me my dispute. The law says if I file a dispute it means I deserve what I want because I'm the one paying for services. The credit reporting agency refuses to alter my account information that I'm disputing to get rid of the maxed out credit I lost in an XXXX XXXX There is a identity theft on my account and they still refuse to fix my credit account and tell the bank everything is right. This is fraudulent because I've done nothing put pay money for my credit account and never missed a payment and now an XXXX XXXX has put me in the hole. The credit account was in good standing and then immediately got altered. There is no reason my dispute was illegally denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: CA

Complaint narrative:
This vehicle was repossessed and the account was charged off My ex wife fraudulently did this and i want it removed from my credit as it is XXXX up my credit scores Take it off my credit asap

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 2024-07-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
This account doesn't belong to me .it 's reporting inaccurate and missing information such DATE OF LAST ACTIVITY WHO THIS ACCOUNT WAS SOLD TO NOT REPORTING CHARGE OFF AMOUNT, NOT REPORTING LATE OR PAYMENT HISTORY IF ANY INCOMPLETE AND INACCURATE INFORMATION AND MUST BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
I used by debit card with Charles Schwab to pay in advance for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX necessitating further XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I called Charles Schwab immediately to reverse the transaction, but they told me they could do nothing until it ceased pending. 

After it ceased pending, I filed a dispute on XX/XX/XXXX, and provided proof of the injury and unsatisfactory service that was not as described in the form of photographs of my injury, inflicted on me by the XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, Schwab replied with a denial because " the merchant has provided documentation of the disputed transactions. '' The XXXX  sent all my confidential medical records to Schwab, and Schwab appeared to ignore the basis of the dispute as an unsatisfactory service that was not as described, only looking for whether the service was attempted. 

On XX/XX/XXXX I replied with a further dispute laying out the basis of my complaint not as that the service was never performed, but that it was performed in a manner anyone would find unsatisfactory and not as described. 

On XX/XX/XXXX, Schwab again denied the dispute for the same stated reason. I called and was informed by a customer service representative to email XXXX because they review determinations. I did so. They never responded. On XX/XX/XXXX I reached out again by email and received no response. 

On XX/XX/XXXX I called Schwab and spoke with a customer service representative and a manager who gave his name as XXXX. I was informed, after much probing, that they simply do not recognize any disputed charge on the basis of an unsatisfactory service or a service that was not as described, and refused to reverse the charge, and insisted I bring a private suit for redress. 

This policy is unacceptable and highly anti-consumer. Consumers need a remedy more available than a lawsuit for when services are plainly not as described. Otherwise unscrupulous merchants can fail to provide a service or provide a substandard service and run with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

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.

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 non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$750.00}. XXXX # XXXXXXXX XXXX-Nov XXXX, XXXX XXXX XXXX XXXX {$200.00}. XXXX # XXXX open-Mar XXXX, XXXX XXXX XXXX XXXX XXXX. {$300.00}. XXXX # XXXX Open-Mar XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$4600.00} XXXX # XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. $ {$9500.00} XXXX # XXXX OpenOct XXXX, XXXX XXXX XXXX XXXX. $ {$23000.00} XXXX # XXXX Open-Mar XXXX, XXXX XXXX XXXX XXXX. $ {$23000.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. $ {$720.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. $ {$3900.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$150.00} XXXX # XXXX. XXXX XXXX, XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the XXXX Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Goldman Sacs Bank is reporting fraudulent inaccurate information on my credit report. I have called & mailed this company to report this fraudulent account.

Goldman Sacs Bank is now reporting this account as charged off. I have requested that they provide all documentation regarding this account ownership so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I am unaware of this debt : COLLBUREAU Account # XXXX I have not had the opportunity to dispute this debt before appearing on my consumer report, as I did not receive proper notification. I insist on the deletion of this collection from my report immediately. The account was settled through the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Account info Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$230.00} past due as of XX/XX/year>. 
Status updated XXXX XXXX Balance {$230.00} Balance updated XXXXXX/XX/year>

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing has been made aware that XXXX is reporting my account as being two months past due when my account is current. I would like them to update my XXXX account to show that it is current. The amount owed, payment and being past due are all wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: CO

Complaint narrative:
I have a closed account from XXXX  XXXX XXXX and trans union are refusing to update and correct

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 2024-07-13 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I paid upfront for my XXXX {$4300.00}. My insurance company retroactively paid {$2900.00} XXXX XXXX XXXX, essentially paying for the XXXX twice. Now the doctor 's office is refusing to refund the money, ignoring emails, and dodging calls. I disputed the transactioon with proof of the double payment, and XXXX XXXX won't take my dispute. I can not afford to lose {$2900.00}. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I keep getting phone calls from national credit adjusters. The calls are every  day XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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 NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
FIRST, MANY UNRECOGNIZED CREDIT INQUIRY - I did not authorized those credit checks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I called City Bank on XX/XX/year> and spoke to them on the condition if I made a large payment paying off my card if they would credit me XXXX  months of interest charged which equalled about {$1300.00}. The agent said she was only able to go back XXXX months and would credit me if I was paying off the card at this time, which is how we got to that amount. I then made a payment on this agreement for {$25000.00} over the phone that would be the balance after the adjustment for the XXXX months as agreed. She informed me it could take XXXX days for the adjustment to process which was fine. About a week later I received a letter by mail stating they were not going to give me the credits as they original agreed to while taking a payment. I then called and asked to speak to a manager who said that they decided not to approve that, they said they would help file a complaint. It has now been an additional XXXX weeks. I made the payment in good faith based on the agreement their employee made with me and then took my payment. I would like to Citi XXXX it's promise it made while they accepted money on that pretense.

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 monetary relief
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
Date : XX/XX/2024 To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX XXXX XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, 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 2024-07-13 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: FL

Complaint narrative:
Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX XXXXXXXX , is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXXXXXX XXXX, is not mine ; I am not responsible of this account, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: VA

Complaint narrative:
XXXXXXXX XXXX opened fraudulently on XX/XX/year>. Contacted them and let them know it was fraud. Now I world like the hard inquiry removed from my credit report

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 2024-07-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was charged 3 times for a service from XXXX that I did not order and reported this to the credit card company ( Barclays ). They ultimately sent a form letter that they contacted the merchant who validated the transaction. This form letter also misrepresented that on XX/XX/XXXX and XX/XX/year> they attempted to contact me and did not receive a response. That is untrue, no attempt to contact me was made, not by phone, not by fax, not by email and not by letter. 

I spoke to the number they provided in their letters. Six times they requested the last 4 of my social security. It was an obvious attempt to avoid responsibility.

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 monetary relief
Consumer complaint received 2024-07-13 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: SC

Complaint narrative:
This listed information should be removed from my credit report, I sent multiple disputes bureaus are not responding to my claims of inaccurate false information that cannotbeverified, The bureaus have not sent anything in response and have to provided any propervalidation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: SC

Complaint narrative:
This listed information should be removed from my credit report, I sent multiple disputes bureaus are not responding to my claims of inaccurate false information that cannotbeverified, The bureaus have not sent anything in response and have to provided any propervalidation.

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 2024-07-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This listed information should be removed from my credit report, I sent multiple disputes bureaus are not responding to my claims of inaccurate false information that cannotbeverified, The bureaus have not sent anything in response and have to provided any propervalidation.

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