vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: TX

Complaint narrative:
I have made several contacts to request proof the debt belongs to me. I keep getting bills for a debt that I do not recognize and have requested any documents, signatures or evidence this debt belongs to me. Financial Corporation has refused to comply. 

Disputed this debt on XX/XX/XXXX. Financial Corporation has failed to provide proof of debt with 30 days. Financial Corporation responded with a letter that appears to look possible fraudulent or not a official statement with some medical coding that does not seem to comply under HIPPA regulations. This letter is dated for XX/XX/XXXX. This is almost four months after the 30 day period to provide verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I m been trying to get incorrect information off my report that never give consent to reporting on. Plus all of the incorrect information are out of dates statue of limitations and the balance are wrong as well. The collection agency are not legally allowed to work in the state I live, plus I being charged more than once for the same bills of which are over 6-8 years old. Im a XXXX XXXXXXXX person who been on XXXX for over 23 years. There is also wrong reporting of my personal health and insurance information and this wrongful reporting is costing me very stressful time unable to access insurance help caused of its miss reporting. Its causing my health care to fail and my family finances to suffer. Im really struggling to get through to the people who is involved in fixing these problems on m credit reports. One of the reporting agencies has been helpful they the proper charges for making my report accurate but has one still wrong. The show opened account that at also showing closed and the balances are wrong to. This information is not accurate because I never received any notification from the consumer reporting agency about the debit or doctor bill that they are reporting on. No verification has been provided to me yet my personal information is publicly known and accessible by any one. I can not get into my home without help. I have identity theft because of the reporting wrong information my SSD benefits have been stolen and the security system has failed because of the wrong information reported by these companies and agencies selling my data.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I submitted written disputes to both XXXX & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding Kia Motor Finance account # XXXX in the amount of {$2800.00}. Kia Motor Finance is showing charged off with a balance of {$2800.00}. This is inaccurate. Kia Motor Finance has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with Kia regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.

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 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Sunday XX/XX/XXXX I used my Chase Debit Card to check into the Marriott. The Marriott erroneously ran my card multiple times for the authorization. They apologized and explained that they will only charge my once and the other hold will " fall off '' from my bank. So my account had 3 deductions at the time ( 2 for {$80.00} and 1 for {$10.00} ) which all were being deducted from my available balance. This was the case since Sunday evening through Wednesday when one the {$10.00} authorization fell off and 1 of the {$80.00} charges posted for the true amount of {$72.00} however there was still a {$80.00} charge pending. I knew it could take up to 3 days for the authorization to be removed so I waited 1 more day. On the morning of Thursday XX/XX/XXXX I noticed the pending authorization for {$80.00} still there so I called to have it removed. 
The person I spoke to said it can't be removed she said it was just placed today and I will need to wait until it post to dispute. I explained what happened and that I don't think it was authorized today but instead it was an extra authorization from when I checked in days ago and she disagreed and said it was nothing she could do. I spoke to a supervisor who said the same thing pretty much. I'm hoping I don't have to wait 3 more days before this authorization falls off again. What happens if instead of falling off they repost the same authorization again and it continues in perpetuity? I will have funds not available to me that should be. There should be a way to remove an authorization on an account and to make the funds available to the consumer. Not having any option to rectify this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have 1 inquiry I did not authorized and my late from XXXX was due to XXXX .I wasn't able to make my payment on time but if you notice I was never late on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX I sent United Wholesale Mortgage my updated county tax statement because I am over accruing with them on taxes. They never responded. I called them on XXXX  to discuss further and they had me submit a request through their website, which I did. They never responded with a solution so I followed up on XX/XX/XXXX. They finally responded that the request would be completed by XXXX They never completed the request or responded. I followed up on XXXX  and they never responded. I followed up on XXXX  and they responded with a response of, we are opening a case. They are charging me {$2000.00} extra each month because they are not fixing my issue. I simply can not afford this but have no options because I need to pay my mortgage so my family of 5 does not get foreclosed on and I have no power to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I bank with Chime.com. A couple months ago they put my account under review because of an accidental over transfer. I was trying to move my savings from another bank to chime because they have a better APY. They froze me out of my account and put it under review asking for source of income, ID and address verification. I provided all of those. They would say it will be 4 hours and then it would take days to get back to me. It was a long hard journey to get that access reinstated.

Now mere couple months after that verification, today I wake up to a 1am email notifying that my account is closed with no heads up and no information on which of their policies were violated. I called the support number and reached out to email and I get directed to the links with no in person support on which item caused this situation. On top of that, they somehow always manage to do this days before rent is due. The sheer abrupt behavior of this bank is alarming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
At debt in the amount of {$71.00} has been reported to my credit report. After investigating the matter with the original creditor it was determined that the debt is NOT associated with my identity. I do not have any past due balances with the creditor, XXXX. In fact, I have a OPEN wireless service account with the company so its not possible for this collection account to be associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Payments not being applied to promotional charges. Fees being applied. After numerous calls to apply payments to promotional balances, payments were still not applied. More calls were made. Keep getting disconnected when calls are made to credit card company. Please refer to all phone request made from XXXX through 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 explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The balance reflecting on my credit report is showing current balances due for each XXXX account. If the balance is no longer being pursued why is there still a current balance due. I have filed the 1099c on my taxes. So technically the balance on my credit report should be XXXX because i have absorbed that on my taxes as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( 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 2023-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient, who owns XXXX, calls me multiple times per day, using new numbers to evade my block. Then, yesterday and today, immediately following an unsuccessful call to me, a private number called and left threatening voicemails, pretending to be fake attorney XXXX XXXX and telling me to call this number before they showed up on my property. 

I am 99 % sure this is them initiating the robocall. It has happened both days within minutes of me not answering their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
I received an order from XXXX XXXX XXXX where XXXX XXXX had filed a judgement against me for a credit card debt. In the complaint she threaten to take my social security, she wanted my checking account #, she threaten to get a lien against my home, vehicle, wanted to know my assets, if had any guns, jewelry. I went to the XXXX XXXX XXXX and answered the complaint stating that I only receive Social Security. I sent the XXXX law firm the answer on XXXX XXXX certified receipt requested. On XX/XX/XXXX received another judgement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
I had a credit card with Capital one. I authorized capital one to take XXXX XXXX from my checking in XXXX. After paying my credit card in full and closing my account with capital one, I noticed they are still taking {$100.00}. Each month from my checking. I tried contacting them and stopping them from taking money from my account but they did not. I had to close my checking account so they stop taking money. 14 months and {$1400.00} was taken. I further investigate prior 2 years on my statement with XXXX AND CAPITAL ONE. Found that the XXXX  XXXX was not applied to my credit card and had caused late fees and interest charges added to my credit card eve though capital one was taking money out of my checking account. From XXXX capital one fraudulently took money out of my checking account in access of {$4000.00} - I have tried to get my money back from them for 2 years. XXXX provided documentation with transaction ID # to capital one to prove capital one has taken money from my checking account. Still no resolution. They open a case and close it, asking me to resubmit document. I have proof that received all document via USPS- I would like capital one to pay back the money they took from checking as well as reversing all late charges and finance charges that I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was hit with XXXX that why I was late on my account with XXXX but you can see my records are clean I was never late on the 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am 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 non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation