vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I placed a security freeze on my credit report with Experian. Experian provided me a 10 digit PIN which I was told would be the only key to un-freeze my credit report. In XXXX, XXXX I received information from XXXX XXXX and XXXX  that someone posing as me had applied for credit with them. XXXX XXXX confirmed that they were able to get a credit report on me from Experian. It was extremely difficult to contact Experian to resolve the matter. After spending a day on the phone with them, all I could learn was that someone had obtained my social security number and was able to open an account with them and un-freeze my credit. Experian did this without the security PIN and without attempting to verify the identity of the fraudster, who went on to apply for numerous credit cards in my name. Talking to Experian was fruitless. They do not consider any fraud information on your account as fraud, instead transfer you to " membership '' who can do nothing about fraud. It took hours to clear off the invalid credit information and delete numerous added addresses and phone numbers. I do not have confidence that I have fully corrected the record. 
The fraudsters have figured out that the Experian report does not show all the phone numbers on the account. The fraudsters had added at least 5. I had to submit a report THREE times to Experian because each time they would remove bad phone numbers, new bad numbers would show up in their limited field-view. I also believe that the fraudsters added 5 phone numbers because the FTC identitytheft.gov website allows a victim to only report 4 bad numbers, thus leaving 1 fraud number as valid. I thought it was the law that once my credit was frozen it was permanent until I un-froze it. Though I have asked Experian to explain how that could have been done without my security PIN, they have been unable to provide an explanation. I was not surprised by the fact that a fraudster was unable to get my ssn, because it has been widely reported that that information is readily available. Despite all of this, Experian saw fit to ignore their security process and obvious signs of fraud and allow someone to take over my credit. I believe the CFPB should require the credit bureaus to more rigorously protect the data that they are collecting ; collecting even without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In violation of fair credit reporting act.I have the right to privacy.I did not give permission to report on my credit reports.the following accounts are in violation remove all the following accounts.account # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: OH

Complaint narrative:
In violation of fair credit reporting act.I have the right to privacy.I did not give permission to report on my credit reports.the following accounts are in violation remove all the following accounts.account # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXXXXXX, 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.

This account is fraudulent account, I do not open account with this creditor.

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 2023-04-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXX, Capital XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX has violated my rights 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: NY

Complaint narrative:
In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX has violated my rights 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 instruction.

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 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Per XX/XX/XXXX statement Previous Balance {$12000.00} XXXX, XXXX. - {$13000.00} Purchases. + {$1900.00} Cash Advances {$0.00} Balance Transfer XXXX Fees Charged Interest Charged XXXX New Balance XXXX Opening/Closing Date Credit Access Line Available Credit Cash Access Line Available for Cash Past Due Amount Balance over the Credit Access Line Balance Subject To Interest Rate {$5700.00} Interest Charges {$110.00} Payment Activity. @ XXXX Cancel CREDIT CARD ( ... XXXX ) XX/XX/XXXX Completed $ XXXX XX/XX/XXXX Completed {$390.00} XXXX XX/XX/XXXX Completed {$9100.00} XXXX XX/XX/XXXX Completed $ XXXX From N/A ( ... XXXX ) XX/XX/XXXX Completed $ XXXX Credit Card XXXX XXXX internet based on 2 months PREVIOUS BALANCE!!? 

Interest can only be accrued based on amount borrowed and must calculate interest ONLY ON AMOUNT OUTSTANDING. 
Account paid OVER account balance! 
Balance XXXX on XX/XX/XXXX XXXX {$2500.00} XXXX Payment {$13000.00} XXXX Credit card company is charging interest based on the PAST 2 months average!! Of {$5700.00} for XXXX & XXXX average balance. 

This is against Consumer Credit protection act. 

Please advise how to proceed with this matter. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have sent an wire for house purchase on XX/XX/2023 at XXXX XXXX via my HSBC bank account and they have kept withdrew my account. I learn after 9 days they have hold my wire to recipient for no reason. After speaking and telling importance, how this wire can jeopardize my transaction of house purchase, they assured me they will release it immediately. Today is XX/XX/XXXX and they have not released wire till now and have 0 communication to me, why they have hold the wire. 

I have to stick with non competitive lender because of this transection mismanagement by HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Address is incorrect. I have never lived at the listed address XXXX XXXX XXXX XXXX XXXX, XXXX. Show me the burden of proof.

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 2023-04-22 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: OH

Complaint narrative:
I am filing a complaint with TranUnion XXXX XXXX and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to TransUnion. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to TransUnion stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. TransUnion ignored my response and provided no reasonable method of verification on why they verified this debt.

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 2023-04-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it XXXX concern around XX/XX/2022 I have recently sent letters to all three credit bureaus about a XXXX on my credit report, I have gotten proof from the Illinois courts stating that they do not give, sale, furnish or verify court documents to any credit bureau, or consumer reporting agencies. The letters I sent with proof stating such, is accurate proof from the United States Court all three credit bureau, blaming XXXX for their source of verification, XXXX XXXX said the verification is from pacer which are all reporting agencies. they all are defaming my name and my character and would like to have this XXXX removed immediately. Thank you. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was transferring my XXXX ( k ) into my Bank of America checking account so I could transfer it into my Merrill Lynch fund on XX/XX/2023. The Manager of the bank approved the deposit and I received a printed receipt stating that {$5300.00} would be available on XX/XX/2023 and the balance would be available on XX/XX/2023. Without letting me know, the bank changed the hold on the ENTIRE balance to XX/XX/XXXX. I had electronic payments going thru on the 21 since my receipt said the money would be there and, of course, all the XXXX bounced. When I talked to a representative of the bank, she said the hold had changed because they weren't sure if they would collect on it. The check again was from Principal, who the representative said was very reliable, but the check was marked " unreliable '' and there is nothing she would do about it. How can the bank possibly give me a printed receipt with the two holds and then change the hold for the ENTIRE balance for an additional date without letting me know. This is very upsetting.

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 2023-04-22 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: OH

Complaint narrative:
Please see attached documents. 

Per federal law of the FCRA 15 U.S. Code 1681 c-2 the account must be removed in 4 business days of receipt of this notice. 

Per federal law of the FCRA 15 U.S. Code 1681i and 15 U.S. Code 1681 s-2 I have a right to 100 % accuracy and privacy. This account can NOT be validated as accurate. It is NOT 100 % reporting accurately and must be removed. 

This account is not 100 % accurate and must be removed immediately ( see attached document outlining the inaccurate and inconsistent information ). 

This is not allowed to be violated or validated as accurate by law.

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 2023-04-22 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
In XX/XX/2022, our mortgage servicing company, Specialized Loan Servicing ( SLS ) withdrew {$1700.00} from our escrow account. These funds were supposed to be transferred to XXXX ( our insurance company ) to pay for our homeowner 's insurance. Instead, SLS wrongly disbursed these funds into the bank account of a third party who is not affiliated with XXXX. Since XXXX did not receive these funds, we had to pay XXXX out of pocket in the meantime. 


Because SLS lost our {$1700.00} through their own negligence, we have asked SLS to refund these funds to our account. Despite repeated and exhaustive efforts on our part -- including at least 9 documented good-faith attempts to reach out to SLS over the past 7 months -- SLS has repeatedly refused to address our complaint and issue a refund. We believe their customer service has been willfully misinterpreting our complaint in order to avoid having to pay for their error. 


We are asking that the CFPB assist us in securing a refund, to our escrow account, of the {$1700.00} that SLS lost by disbursing to the wrong party. Since we have exhausted other avenues of outreach to SLS, we would greatly appreciate your assistance with this matter. 


We have attached copies of our recent correspondence with SLS, which details the extensive ( and unsuccessful ) outreach attempts. As you can see, SLS insists their check was deposited -- which is not in dispute -- and ignores the crux of the matter, which is that their check was deposited into the wrong account, causing us to lose the funds.

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 2023-04-22 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: Go Capital Holdings, LLC
State: IL

Complaint narrative:
During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I was not aware of this debt therefore my rights have been violated according to 15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 


Please view debt and original creditor : Collection Agency LANIER COLLECTION AGENCY Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX Original Amount Owed XXXX Amount XXXX Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XXXX XXXX XXXX Comments

Company response to consumer: Closed with explanation