vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report.

I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to re spond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2022-04-15 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: FL

Complaint narrative:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NCS IS ALLEGDING THE DEBT BELONGS TO ME for {$75.00} XXXX please reference complaint # XXXX. The copy responded to my previous complaint with the documents for a tenant that resides in GEORGIA Im disappointed that the cfpb has allowed this account to continue reporting even though they have failed to prove this debt belongs to me, even though Ive expressed I was a victim of theft. Please remove this account from profile. Ive attached my affidavit, as well the documents NCS gave you guys for an account as Ive said for the thousandth time DOESNT BELONG TO ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-15 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:
Experian credit reporting agency is in violation of reporting information about an account I did not give written consent to report. 

Their company is in clear violation of the law. Under 15 USC SS 1681B -permissible purpose of consumer reports THE LAW CLEARLY STATES : 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 did not give them written instructions to furnish this on my credit report. 

, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction Exclusions from a consumer credit report clearly states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make 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 explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Sectio
n 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/ 2022 XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/ 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XX/XX/XXXX 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XX/XX/XXXX 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updatedXX/XX/XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XX/XX/XXXX 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$820.00} Balance updated XX/XX/XXXX2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022

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 2022-04-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-15 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: NJ

Complaint narrative:
There are 2 accounts showing up on my credit profile that have never belonged to me.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In 2019, Chase Bank decided to end my relationship with them there was a balance leftover and I was able to take care of the balance. However, I spoke to a representative from XXXX XXXX XXXX and they stated that Chase is still reporting through XXXX which is preventing me from opening an account. Today, I spoke to a representative from Chase Executive Office and was told that Chase is not reporting anything through XXXX. Is there a way for someone can verify if Chase is not reporting to XXXX and if so, can it be removed completely from my report? Please, I ask I am having a hard time opening an account and dealing with this constant battle. It's been two years and Chase has not provided any updates or changes at all to XXXX I want it remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I sent a Certified Letter to SYNERPRISE CONSULTING See Attached Letter Cert # XXXX XXXX XXXX XXXX XXXX I requested Validation of Debt in accordance with the law and formally disputed their claim. They DID NOT RESPOND, DID NOT CEASE AND DESIST AND DID NOT REMOVE THE ACCOUNT. 
In accordance with the Fair Credit Reporting Act. 
The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report.

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agency is volating my rights and costing me dearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
I've been a user/customer of Binance.us since XX/XX/XXXX. In order to report and file my taxes, I tried to log into my account on XX/XX/XXXX to download my transaction history and any tax forms they have for me. Instead of allowing me to log in, Binance.us confronted me with an extremely intrusive consent form that would require that I allow Binance.us to collect AND share highly sensitive biometric PII data with third-party companies. For obvious reasons, I can not and will not consent to this attempted theft of personal information. 

They only provide an option to say " yes '' or to log out. Failure to grant them this consent disallows access to my own account, so they are holding my money and my XXXX tax reporting information hostage at the price of my very private personal data. They did NOT provide any prior warning of these unilateral change, and they did NOT provide the ability to transfer our my funds and close my account and opt out of their scam. I have been trying to work with their useless support team since the XXXX, but they've done nothing whatsoever except provide canned or nonsensical responses. 

I spoke with a tax expert from XXXX who believes that what Binance.us is doing is illegal, and I have informed Binance.us of this. I am currently unable to properly file my taxes due to Binance.us 's likely crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mortgage company failed to pay my tax bill on time and now there is a hefty late fee. My mortgage has an escrow account for my homeowners insurance and my taxes. I called to notify them several times last year. Called the town to notify them. They have failed to pay the late fee they incurred. My mortgage payments are auto drafted. Zero reason for any late payments. That fee has now carried over into my XXXX taxes due XX/XX/XXXX. I will not pay ANY late fees because they didnt submit payment in time. Now theyre trying to raise my mortgage payment to offset the late fees. This is insane. My escrow balance to date is {$880.00} my spring taxes are only {$470.00}. The delinquent tax is {$100.00} plus a penalty is {$10.00} Carried over from last year. So how is it monthly I contribute {$370.00} into my escrow account that covers my homeowners insurance and my taxes for the year. My homeowners policy is {$2600.00} for the year or {$210.00}. My property taxes are {$940.00} Total yearly liability of {$3500.00}. Now if my total liability is {$3500.00} and PPH is taking out $ XXXX {$4400.00} how in the heck do I owe anything? That would be because they made my tax payment late. I called and nothing was resolved. I have since called again this morning. Of which they wanted to send me to voicemail again. I said no I want a supervisor. Which now leads me to waiting again to see if they fix their mistake without trying to charge me for their mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
ATM fees for the month of XX/XX/2022 were requested. Charles Schwab always returns ATM withdrawal fees as part of their refund policy. Schwab asked me on a recorded line today with representative XXXX to ask my new bank to return those fees even though they were transaction through Charles Schwab Bank while all accounts were still open.

Charles Schwab also admitted to retaining monies owed to me without my knowledge. These new monies owed to me are somehow currently blocking access to my brokerage account which is still active. The amount was $ XXXX USD. 

I have reported this bank to FINRA and SEC multiple times in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Chase Bank Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Inquiry Date : XXXX Claim Number : XXXX Account Number Ending In : XXXX This document ( and the accompanying documents ) are to serve as a formal request for Chase Bank to provide ( in writing ) details of evidence reviewed and Chase Bank 's protocol regarding denial of the above noted claim initiated on XX/XX/2021. 

The enclosed documents demonstrate the transaction in question ( approved by Chase Bank ) was not initiated and/or authorized by me ( the account holder ). 

Pursuant to Uniform Commercial Code ( UCC ) 2-201. Formal Requirements ; XXXX of Frauds. Transactions in the amount of {$500.00} or more require ( a written ) authorized signature in order to be enforceable. As the holder of the above referenced account, I did not in writing, or in any other capacity, authorize the transaction of {$1900.00} on XX/XX/2021 to be processed via the above noted account. 

As the transaction in question was not in accordance with UCC 2-201, I am requesting Chase Bank review its decision to deny the above referenced submitted claim. Also, as the transaction in question was not in accordance with UCC 2-201 it is requested that Chase Bank apply a provisional credit of {$1900.00} to the above referenced account until all full formal investigations and/or formal reviews associated with this claim have been conducted and completed. 

My genuine intent is to resolve this matter with Chase Bank in a just and amicable manner ( save reporting the issue to the appropriate financial regulating authority ). I look forward to working with Chase Bank in resolving this matter. 



Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: SC

Complaint narrative:
XX/XX/2022, Transunion - I noticed several inquiries on my Transunion credit report. I did not give these companies PERMISSIBLE PURPOSE to my credit report. I have attached my most recent credit report and highlighted the companies that I did not give permissible purpose to veiw my credit report. The name of these companies are : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 2022-04-15 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: FL

Complaint narrative:
Date opened : XX/XX/2016 This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NJ

Complaint narrative:
There are 2 accounts showing up on my credit profile that have never belonged to me.

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 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Robinson, Reagan and Young PLLC
State: GA

Complaint narrative:
XXXX. XXXX, 2016 ( 6 yrs ) Account status Open Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX {$550.00} Closed No Info

Company response to consumer: Closed with explanation