vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: FL

Complaint narrative:
I am writing this complaint without the assistance of any third party company. I am writing this complaint from my understanding of Federal Law that Experian is in violation of furnishing unauthorized information on my consumer credit report WITHOUT written instructions of the consumer to whom it relates ; XXXX XXXX XXXX. On XX/XX/2021 I mailed a notarized Affidavit of Truth highlighting several facts of violations that have occurred against me, the consumer. I have attached a copy of the affidavit of truth. The tracking for the certified affidavit ( tracking number : XXXX ) confirms the Affidavit of Truth was received by Experian on XXXX. Experian is in violation of reporting any information on my consumer report without written consent for me, the consumer. Additionally, Experian is reporting several inaccuracies on my consumer that I have disputed on XX/XX/2021 ( CFPB complaint # XXXX ) and XX/XX/2021 ( CFPB complaint # XXXX ) and both complaints have been ignored by Experian. If the consumer reports inaccurate information on said consumer report, the XXXX XXXX XXXX is required by law to remove the item from the consumer 's report until an investigation is completed. I have disputed this several times and never once has these been removed from my consumer report until the investigation is complete. It is the responsibility of the consumer reporting agency to only report true and accurate information. This is a violation of my consumer rights and I demand that Experian cease reporting any negative or harmful information on my consumer report as no written consent was ever given by me, the consumer. I received a response in the mail from Experian on XX/XX/2021 in response to my affidavit of truth which contained several violations and inaccuracies as the letter referenced an account that was never on my consumer report. Experian is failing to furnish accurate and true information on my consumer report. Based on my understanding of applicable laws ( 15 U.S Code 1681b, 15 U.S Code 1681s-2 and 15 U.S Code 1681e ( a ) ) which is federal law, these negative items should be removed from my consumer report. I am a victim of aggravated identity theft because again, there was never written consent given by me, the consumer to report this information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Hello, In XX/XX/2021 Synchrony Bank AKA Banana Republic XXXX XXXX card changed their rewards program. I spoke with a representative from Synchrony Bank in XX/XX/2021, name unknown. They assured me my old rewards would transfer over to the new system, which is maintenance by Gap rewards. I was told my rewards would not expire. Well, this is far from the truth. According to XXXX representative from synchrony bank on XX/XX/2021, I had {$5100.00} in expired rewards. I spoke with several representative with no resolution. XX/XX/2021, I spoke with XXXX supervisor with Gap rewards, she could only offer me {$20.00} in rewards. This isnt satisfactory! I used this card only to receive rewards. In my eyes this is fraudulent activity. They are not standing by the information given to me by their colleague on synchrony bank side stated.

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 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed by someone, XXXX transferred XXXX to him on XX/XX/XXXX, the bank could not give me a refund

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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, My name is XXXX and I was recently a customer of capital one until some recent fraud activity occurred on my account, and Capital One decided to end their relationship with me. On XX/XX/XXXX someone accessed my capital one account changed my password and attempted to transfer XXXX from an account and XXXX, but I was able to cancel both transactions before they were completed. At the time of the incident I reached out to capital one to make them aware but nothing was done about it, I only experienced unprofessionalism, and was just told to change my information but that was just the beginning. After that IncidenXXXX weekly I would notice I was unable to login to my account because someone continuously kept changing my password and contact information. Finally on XX/XX/12 I was out with friends swiped my card to purchase something and the card was declined. I then attempted to log into my account and I noticed my password was changed again, so I was finally able to get access and noticed several transactions which were XXXX transactions that were sent to someone lowering my bank balance. There was a total of XXXX transactions that was sent totaling about {$190.00}. When I noticed this I then contacted capital one fraud, and from start to end there has been an extreme lack of professionalism and empathy. Missing the funds is one thing, but the level of violation I have felt because of the lack of protection on my account, and the way it was handled when I notified them I was a victim of fraud has been insult added to injury. After banking with capital one for years and being told that they have decided to end their relationship with me has been extremely frustrating and disheartening. This was not done by me, I have never given anyone access to my phone nor my online banking information, are my bank account information. At this point I am at my wits end and would like this further investigated, because I'm certain Capital One Bank is not thoroughly investigating this matter, and to avoid any other Capital One customer going through this I would like something done about this company, and my money back. 


Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
Account was placed with collection agency XXXX on XX/XX/XXXX. Account was immediately reported on credit report on XX/XX/XXXX as a collection. I never received a noticed of my right to dispute.

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 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
THE COMPANY, SOUTHWEST CREDIT SYSTEMS, L.P., PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a XXXX person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XXXX XXXX 1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' SOUTHWEST CREDIT SYSTEMS, L.P. is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof of claim against SOUTHWEST CREDIT SYSTEMS, L.P. admitting to getting my information from original creditor of the alleged debt, which constitutes information shared without written consent from me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: FL

Complaint narrative:
After XXXX mail disputes in the last few months and XXXX electronic dispute with Experian regarding XXXX XXXX XXXX reporting a balance in our account, after a XXXX XXXX XXXX XXXX XXXX, they refuse to update the account to XXXX amount due. The other XXXX bureaus have updated the account correctly. After several calls with Experian On XXXX call of the many on XX/XX/21 they admitted that because of the relationship with XXXX XXXX XXXX they have to do what they say regardless of me presenting documentation of the cancelation form. Again today XX/XX/21 I have asked to show what prove was submitted to make the decision they made, I have been advise that they don't require documentation but a verbal confirmation of what do with the account. When attempting to get a supervisor on the phone the call gets disconnected. Every single time. I am on hold again. I have researched the XXXX XXXX XXXX form and how is processed and why is processed through the creditor and the IRS where all verbiage indicates it should be a XXXX amount due.

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 2021-12-01 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: AR

Complaint narrative:
On XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent XXXX  mail with XXXX  receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over XXXX different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the XXXX XXXX. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also.

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 2021-12-01 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX  XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due XXXX ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month

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 2021-12-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: GA

Complaint narrative:
i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let TransUnion have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

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 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good : XXXX XXXX XXXX ( still reporting ) has initially been deleted, and XXXX I have not authorized this nor should be reporting on my report, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. permanently remove these accounts

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 2021-12-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
Since 2018  NFCU has illegally taken personal property NFCU has illegally charged me for payments already made NFCU has illegally repossessed my vehicle without notice NFCU has been verbally abusive NFCU has trespassed on my property NFCU has threatened legal action without proper notification NFCU has made negative reports to credit reporting agencies NFCU has taken illegally taken pictures of my property and my family NFCU has listed my home for sale NFCU has not notified me of options or late payments NFCU has frozen my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: VA

Complaint narrative:
The reason being that I have made on time payments, however they were not used to pay my balance, instead they were placed on my escrow account. My mortgage payment on XX/XX/XXXX was not moved to pay my account as the taxes that year have changed. I called the same month to try to pay the balance, but was told I could not do that, that a check would be sent to my with my payment and I would have to make another payment with the entire amount. I have never received said check. 
Since then, XXXX has reported my payments being late, even though I have always made on-time payments ( I have set up automatic draft from my bank ). I continued calling XXXX to try make corrections since XXXX!. In XX/XX/XXXX, I again spoke to a representative and they were supposed to move the payment from XX/XX/XXXX ( which was in a reserve account and not applied to my monthly bill ) into my monthly bill payment, Again, this did not occur. I tried calling again to get this fixed, and each time a representative would come up with a different solution but nothing was done. Finally on XX/XX/XXXX, I got through a representative that corrected the issue. They stopped the late fees, moved my payments from XX/XX/XXXX and XX/XX/XXXX from reserves into account payment. Now my account is balanced. More than a year later! This has greatly affected me. XXXX Mortgage has been reporting late payments for over a year to all three credit agencies, which has damaged my credit score. Furthermore, I have been charged with late fees that should not be there. I have contacted XXXX in writing on XX/XX/XXXX, as well as the 3 credit buraus, XXXX has denied any wrong doing. I have NOT been late on my payments from XX/XX/XXXX to the present. Also, I though there was supposed to a cushion in Escrow account to prevent any changes in payments.

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 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due 1,206.00 ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month

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