vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.

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 2023-12-05 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: CA

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST CITIZENS BANCSHARES, INC.
State: CT

Complaint narrative:
I am currently trying to do a refi on my property. During the title search a second mortgage is on there. 
I purchased the home in 2007. I had my first and second mortgage with XXXX XXXX, which went under. The second mortgage was sent to One West and I continued on with them. At some point, the loan was transferred again, however I never received any notice. 
I did not know who to call or where it went. 
To determine who now owns this loan I had to call the FDIC. I then called CIT bank https : //www.cit.com/, which is where they told me it went. 
After many hours and transfers, I finally got a live person who told me " I can see your name and address but that is all I can give you, our system is down ''. To which I asked when it would be back up. They couldn't answer if it would be days or weeks. 
This is a time sensitive document I need for a refi for an emergency, and I am unable to get what I need from a lender who never notified me of the transfer and can not give me the information now and can't tell me when that may be possible. 
This loan transferred well over 10 years ago and if I was properly notified, I would have been making payments to reduce the loan amount. 
Not notifying of a transfer should be illegal. 
I am now in a bad position because of the mishandling of my account by a bank. 
I would like to negotiate a lien release asap due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
United Airlines Charged me {$1600.00} and {$100.00} and I didnt recognize those transactions because my wallet was stolen Chase customer serverice said that was my authorized transaction and denied my claim and they already contact with united airlines and they denided to proof any informations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX  my husband proceeded to a local Santander Bank to pay the mortgage on our house. The mortgage is in my name and I have had it for over 20 years. The local brank advised my husband that he could not make a payment because he was not on the account. When I call the branch, the branch manager verified that this was a recently change due to fraud and advised that I could make the payment online therefore I would not need to come in at all. He took my information and I am awaiting a call. I proceeded to call the Corporate Customer Support Number and the young lady there confirmed this change and advised that I too am no longer able to make a payment because I do not have a checking or saving account with the bank. I never had any other accounts with this bank and this was not a stipulation when I opened the account. She advised I can make my payments by phone but there is an added fee or {$9.00} - {$11.00} depending on the method. I can setup direct deposits or mail in my payment. Now if I proceed to mail in my payment it would be no different then a local branch accepting my payment same payment form with no way to tell if it is fraudulent. 

I find it terrible that a bank would make such a change and not communicate that to there customers. I also find it ridiculous that any business would not accept a payment from a customer. I now have no idea how to proceed with making my payments as mailing checks is not very secure and I do not feel comfortable allowing them pull the money from my account. I so know that I will never again open an account with this bank of any type.

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 2023-12-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX  | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX Biased. Fix the balance information. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TX

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 XXXXXXXX : # 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 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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 : # XXXXXXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. 

It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX XXXX and XXXX are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I currently have a PayPal account issued by Synchrony Bank and I have in the past disputed incorrect activity on the account. I had several deferred interest purchases that became due on XX/XX/XXXX, XXXX the purchases originated on XX/XX/, and had a 6-month deferral period. the amount in question are the following amounts ( {$1700.00} ) ( {$370.00} ). The problem is the amount of interest charged on the purchases and the recorded balances that changed ( increased ) on the XX/XX/XXXX  closing date. 

I would like a comprehensive review of the charges to remedy the problem with this account. 

Your prompt respon3se will be greatly appreciated.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I had this company on my credit report, I contact them via phone and it was nothing that they can do about it. I was told to contact XXXX to have it taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2023 I went to vystar to open a savings account I was unable to open the account because they told me I had owed {$200.00} on a checking account which I have no knowledge of opening a checking account with them

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The Capital One Bank or Capital One took it upon themselves to not handle a big dispute for my financial status at the moment and they also neglected to distribute funds for my other disputes. They took away more than half a grand price from my account even though it was credited monetarily and then they changed their mind, I suppose?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I obtain a vechile and credit acceptance was the finance company. I came upon hard times and car was reprossed I spoke with company who was selling the car to XXXX XXXX auction and I could pay the reprossession fee and fee at the auction to get the car. I did just that and got the car to get pulled over and was told that car was no longer within my name so I called Credit Acceptance who sent me all the information I needed to get the car back in my name and then came a repossessed the car with no knowledge of the car was and would not response to my request of knowing where the car was located and then I got told they took car back and since it was out of my name and gone was not my responsibility. Now in XXXX  they sent me information stating they were going to garnish my check but no follow up date on the court date then in XX/XX/2023 I got my check and found out they are taking XXXX every XXXX weeks equaling almost {$600.00} out of my check affecting my income. I went to get another car and now I am running into issues because of their false information and is now affecting more than it should placing me in hardships.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
A derogatory mark showed up on my credit report on XX/XX/XXXX via Genesis XXXX from a rental property named XXXX at XXXX located in XXXX XXXX. I immediately submitted fraud claims through XXXX, XXXX, XXXX XXXX, and contacted Genesis XXXX  to get more information. 

I was told by a representative of Genesis that they emailed the fraud claim paperwork ( not paperwork, it is just text in the body of an email ) to an email that was not owned or operated by me. I was asked to provide my social security number to them over the phone, but I was not comfortable doing so, as this debt is fraudulent and they did not appropriately verify my identity before discussing the claim with me. I am waiting to hear back from them regarding documentation required to reverse these collections and learn more about what information was provided by the fraudulent renter. 

The debt collection is in the amount of XXXX and was sent to collections on XX/XX/XXXX. I have not been to XXXX XXXX in several years, and have never lived or rented there. Additionally, the collections account is under my maiden name, XXXX XXXX and attached to my parent 's address, not mine. See attached downloaded email from the collections agency. I only received this on XX/XX/XXXX, without any prior written, verbal, or email communications from them. 

My credit is and has been locked through XXXX for a long time, and I only unlock it when I need to.

Company response to consumer: Closed with explanation