vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: NM

Complaint narrative:
I sent a letter on XX/XX/2022 to the three major credit bureaus Experian, XXXX, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted the XXXX credit bureaus XXXX XXXX about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my XXXX XXXX. Additionally my XXXX charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 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 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2022, I sent out correspondence to First Progress Bank in reference to an account being reported on my Consumer Credit Report and an alleged debt. I requested that the account be verified and full debt validation be completed in compliance with F.D.C.P.A section 809 ( a ) 15 USC 1692g ( b ). Including a official Accounting from the bank and documentation of a contract bearing all party 's signatures. Furthermore, First Progress Bank failed to report that the account is in dispute to the Consumer Reporting Agencies as requested by me in my correspondence. a 2nd notice was sent out to First Progress Bank requesting for this information again as the response received violates me and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 sent a letter to the company, Equifax, to resolve the errors on my account, and if they were proven accurate to verify the information. The company, Equifax, did not do anything to resolve those errors and were unable to prove the accuracy of the items I am disputing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BlockFi Inc
State: FL

Complaint narrative:
My credit card stopped working after the company went into bankruptcy. They have not paid rewards for the last month I had the card. The owe me XXXX XXXX. I've reached out to the company but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
This collection from XXXX XXXX XXXX  is fraudulent and dose not belong to me please remove from my credit report 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 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
{$4000.00} is the amount.My information was sold to this company without my knowledge and they are damaging my consumer report file.

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 2022-12-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is doing fraud to my credit report and dont want to remove inquiries and accounts thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted the three credit bureaus several times about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my credit score. Additionally my 5 charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted the three credit bureaus several times about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my credit score. Additionally my 5 charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 4 years old.

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 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
XX/XX/2022, {$9500.00} The financier paid my municipal taxes to another account by mistake and they added them to my mortgage account without my approval. Additionally, the balance was added to my credit report and escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive submitted 2 certified letters early 2022 and again just recently in XXXX. Confirmed with Equifax that they received copies of my social security showing my name as XXXX XXXX and my license showing XXXX XXXX. I even faxed. Ive submitted more than 5 disputes advising that the name XXXX is incorrect and needs to be removed. Equifax had yet to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I would like to get a credit card but I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear, Equifax there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts : XXXX XXXXXXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the equifax data breach, I look foward to your response, Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter to the company, Experian, to resolve the errors on my account, and if they were proven accurate to verify the information. Experian sent me back a letter stating that they believed the letter had not come from me despite the fact I sent thema copy of my bank statement and my passport identification. The company, Experian, did not do anything to resolve those errors or prove the accuracy of the items I am disputing on my credit report. They are also extremely negligent in their identification department because I have attached below the letter referring to the errors I found on my report and I attached the proof of identification.

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 2022-12-01 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: NM

Complaint narrative:
I sent a letter on XX/XX/2022 to the three major credit bureaus XXXX, Transunion, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: CA

Complaint narrative:
To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit accounts and XXXX, XXXX and/or XXXX ) credit report. My credit that I did not authorize. Please remove any unauthorize information from XXXX XXXX XXXX is {$1600.00} also {$390.00} and this self financial for {$1600.00} with my name on it. None of these transactions was me. It was Fraud. I made a police report about these two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: KS

Complaint narrative:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Under 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One credit card. My most recent payment was Due on XXXX XXXX, 2022 I mailed out my payment on Sat. XXXX XXXX, 2022 but I post dated my check for the due date because that is also the date that I get paid. However Capital One cashed my check on XXXX XXXX, 2022 before I got paid and now I have a negative balance in my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had some work done in my backyard during the month of XXXX. On XX/XX/XXXX, I was sent a bill from XXXX XXXX XXXX for the balance of my bill {$8300.00} requesting I send it via electronic transfer from my XXXX XXXX  XXXX saving account to an account at Chase bank. Here 's the information I received : XXXX XXXX XXXX XXXX XXXX XXXX CHASE Bank Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX sent the money to Chase as XXXX. XXXX XXXX XXXX  informed me on XX/XX/XXXX that their email address was hacked and it was not XXXX XXXX XXXX  I sent the money to. I also learned that the name on the account at XXXX was not XXXXXXXX XXXX XXXX ( I don't know what the name on the account was as XXXX said that privacy laws forbade it ) and that XXXX XXXX XXXX doesn't have an account at Chase. Chase should have flagged the mismatch of names- the name to which I transferred money to XXXX XXXXXXXX XXXX XXXX XXXX and the actual name on the account which was NOT XXXX XXXX XXXX. 

I went through my bank, XXXX XXXX XXXXXXXX to get my money back from Chase. I filed the claim on XX/XX/XXXX. It wasn't until XX/XX/XXXX that XXXX informed me that Chase denied the claim as the account was empty ; not a surprise. 

I also filed a police report, made a claim through my home owners ( no success ), and filed a claim with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Due to my purchased vehicle being damaged and undrivable, I contacted the dealership ( XXXX XXXX ) to activate my gap insurance and trade the car in for another vehicle. During this process, I spoke with XXXX XXXX ( salesman ) and XXXX XXXX ( manager ), employees of XXXX XXXX, who invited me to the dealership to pick a new car and workout a new deal. So, I secured a ride on Sunday XX/XX/2022, to visit the dealership. After test driving a few cars, I picked the one I wanted and was told that arrangements will be made for that Tuesday XX/XX/2022 ( because Monday was XXXX XXXX ), to have a mechanic from the dealership go inspect the car and possibly fix it, or have it towed back to the dealership. Unfortunately, it rained the day of pickup and the day after, so they canceled the pickup arrangement due to safety concerns. Since then, it has been difficult to reach anyone from the dealership to confirm a new pickup day for the car. I informed Ally Financial of my dire situation, that I am handicap and need the car for daily transport to and from work to maintain my employment, hoping they would help, but they just told me to contact the dealership. So, I again reached out to the dealership for a solution, and I finally received a call on XX/XX/2022, from a XXXX XXXX named XXXX, who said she was authorized to offer a {$1000.00} for the car, which would have voided my gap insurance ( per the contract ) and I would still owe Ally Financial Inc the balance of the total car amount, plus will still have to buy another car. That solution just was not adequate and completely unfair to me. This led me to re-review my contract to see if there was a warranty or something that I could enforce on the car. I noticed there were some TILA ( Truth in Lending Act ) and Consumer Bill of Rights violations committed by XXXX XXXX that voids the terms of our Retail Installment Contract. According to the contract, a written certification that the car was in safe & working condition at the time of purchase is required by NY State Law, but none was provided. This certification was supposed to be a guarantee that the car is in safe & working condition, and the dealership would be held responsible for repairs or pay in full for repairs of any unsafe condition in the car. But because no such certification was given to prove the car was in safe & working condition, they are still liable for remedy according to the contract. 

I sent letters to both Ally and XXXX to rectify the situation, but they have yet to respond to my 14 day deadline, and it's now been 30 days without a response. So I accept their silence as agreement to my demands and voidance of the contract.

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 2022-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, the credit reporting bureau Experian concluded an investigation into a tradeline beginning with account number XXXX ... with XXXX XXXX XXXX. The XXXX offered a settlement to close the account. I scheduled a payment on XX/XX/XXXX and paid the settlement balance on XX/XX/XXXX. Experian is reporting the account open with no recent payments, and the current balance as {$10000.00}. However, there is a payment that has posted for {$2100.00} on XX/XX/XXXX and the account is now closed with XXXX XXXX. I have requested that the creditor delete file and derogatory information. I have found that Experian will not conduct thorough investigations and look at evidence presented. They will mislead consumer by stating they will but in fact, they often do not. This makes it extremely difficult for consumers to correct errors on credit reports which negatively impacts their credit score. It is a violation of the Fair Credit Reporting Act. 

Secondly, I want to file a complaint regarding Experian 's handling of the XXXX tradeline on my account. It is reflecting a late payment history, despite my numerous attempts to dispute the error. I provided the information showing the satisfactory payoff the account, which was paid off early.

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