vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: OK

Complaint narrative:
The third-party debt collector ACCOUNT RESOLUTION CORPORATION is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know ACCOUNT RESOLUTION CORPORATION and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford XXXX to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment telephone calls from Americollect. Im requesting this company to cease & stop contacting me about a debt I dont owe. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Americollect continues to contact me I will file harassment charges and a lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TN

Complaint narrative:
TransUnion continues to provide inaccurate and incomplete information on my credit report regarding XXXX of XXXX XXXX # XXXX and XXXX # XXXX accounts that they say are mine. I have repetitively disputed these accounts for incompleteness and inaccuracies, and requested that they post a Notice of Dispute on these accounts which is required under FCRA Section 623 ( a ) ( 3 ). Unfortunately despite my multiple verbal ( on the telephone ) and in certified written requests on this matter they have ignored me, continue to report these accounts without a Notice of Dispute ( see attached highlighted ) and have now forced me to pursue civil litigation to correct their documented misbehavior if they do not immediately removed these accounts for this violation.

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 2023-09-19 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-09-19 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: FL

Complaint narrative:
This hard inquiries do not belong to me : 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 2023-09-19 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: FL

Complaint narrative:
This hard inquiries do not belong to me : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: GFS II, LLC
State: MI

Complaint narrative:
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: MI

Complaint narrative:
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
AGAIN : false comments made - 1 ) too few accounts currently paid as agreed- reports show counter ( truth ) " never late, pays as agreed '' ; credit score first time report XXXX, XXXX show XXXX ; 2 ) insufficient number of satisfactory accounts- have satisfactory accounts- more than enough. These falsities have not been corrected NEW : Unable to dispute collections item ( did so with XXXX who removed it ) can't accessTransunion dispute option. ; Unable to add paid off credits with XXXX and XXXX for same reason Have tried several channels given to contact TransUnion none of which are accessible due to having to purchase credit score of monitoring service. 

I hold TransUnion as number XXXX culprit in denial of auto loan, as XXXX was confused by their reports. Have been told by dealership XXXX would have approved me but needed couple of answers but I was denied that information and any contact with XXXX. XXXX 's " secrecy '' as unavailable to this customer has also been audacious. My good credit has been ruined as my credit score has plummeted.

Dealership itself trying to defend itself that it's my not big income, but willing to bamboozle me with a 72 month, {$400.00} payment with their creditor. 

I am convinced that TransUnion plays the part of cohort to deny a good risk person loans.

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 2023-09-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
I have sent 2 certified letters to this company disputing there claim that I owed {$250.00} to XXXX XXXX. There validation is not valid and a misappropriate billing for services that I never received. They have unlawfully reported this to the credit bureau 's which has significantly impacted my credit score. They have violated the Fair Debt Collection Practices Act! I an demanding that this fraudulent act be handled by your agency as soon as possible! Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: FL

Complaint narrative:
I noticed a fraudulent inquiry on my account

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I attempted to transfer significant money from Chase bank to one of my other bank accounts. They did not recognize the account and said that they needed to " verify '' the account by depositing some minor amounts into my account, which they did. They said the process would take 2-3 business days. It took 5 days before they asked me to identify the quantities. I did and they verified the account. I then directed the transfer on the XXXX and they were to make the transfer on the XXXX. On the XXXX they blocked my account due to suspected fraud. I had to call their fraud reps who hung up on me multiple times. I finished their verification twice and finally got one of them to unlock my account. He told me I would be able to redo the transfer after 30 minutes. It has now been hours. now. The reason they gave for blocking my account was that they could not verify that I was the owner. What was the transfer test for if not to verify the account? They are holding my money hostage by unilateral decision. I rechecked with the receiving institution, and they verified that I had the right transfer address. I am planning a major expenditure and need this money soon. What good does it do to have money in the bank if they won't give it to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Dear Representative, I hope your day is going well. Here is what has happeneded so far : I called PHH on the phone and asked for assistance with my XX/XX/2023 payment due to an unexpected expense and for the payment to be put on the back of my loan and to keep my current interest rate of 2.00 %. The Customer Service Representative said not to worry that he would give me a 3 month forebearance and I could resume my payments at the end of the forebearance. 
When I went into my portal to resume autopay for my mortage beginning XX/XX/2023 ( the end of the forebearance ) ; the portal says that I can not make payments and that I owe {$6800.00}. This amount is much higher than the PHH representative shared with me when we spoke on the phone XXXX, XXXX. 
I was also told on the phone on yesterday by the PHH representative that I can not make payments now. I shared with them in XXXX and on yesterday that I want to keep my home and to keep my interest rate at 2.00 %. In XXXX, I was told that that was no problem and now I am being told that they have to evaluate my account. I have made all of my payments on time on the first of the month via autopay until the XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: MA

Complaint narrative:
Flagstar Bank just bought my mortgage from my prior mortgage lender and I set up auto payments through my bank as I had done with prior lender. My mortgage payment was taken from my checking account on the XXXX and now Flagstar Bank are saying they never received payment 2 weeks after the payment was made and funds were taken from my checking account with XXXX XXXX XXXX. Flagstar turned me over to their collections department and are calling me for payment! My bank has assured me that the money was sent to them and they should have it. I have now set up an inquiry into the lost funds with XXXX XXXX. Flagstar stated that I should have set up payments BEFORE the first of the month to allow time for payment to be received but my bank states these types of payments are done electronically and should be received same or next day. I seem to have XXXX recourse in continuing to do business with Flagstar bank.

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 2023-09-19 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts 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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2023-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
When I was approved for the store credit card, I remember seeing a pop-up that I should be receiving a paper credit card in the mail. I've waited a couple of months expecting my card to arrive in the mail and so I contacted many representatives why I haven't received my credit card at all and I was told they would send a replacement in the mail again. I've never received a credit card at all. I get bills through the mail of how the minimum payment I have to make. I've been making phone payments ever since but I changed my phone number. I've tried to contact them again to update my information as my new number isn't in the system so it will not let me make payments. They ask me for the credit number which I don't have. Then I tell them I need update my phone number for my account because I don't have the old number. I tell them I can provide the account number but they refused to take the information that i can provide to verify that I'm the primary owner of the account. Multiple representatives lied to me saying they've updated my phone number in the system and I get a " suspected fraud '' on my account. My payment is due on the XXXX and I have no way of paying the bill because the representatives refused to update my account information and to pay my bill.

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 2023-09-19 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
1006.34 Notice for validation. This debt was put on my credit report without notice and I want to validate that the debt with a itemized bill to confirm amouts owed. I have no record of receiving any information regarding this account.

Company response to consumer: Closed with explanation