vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: WI

Complaint narrative:
This account has violated regulations by providing misleading and false information on my consumer report.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
How was First Republic Bank able to make ALL of those low interest loans to clients without actually VERIFYING whether those clients had the ability to pay. I have met at least two clients who said a ) they never checked my income [ one was a realtor ] and b ) IF I put $ XXXXXXXX XXXX into XXXX they'll give me a loan. 
How does this follow the CFPB 's requirement ( that I, as a mortgage originator MUST follow and have followed these past 15 years! ) to verify the person 's actual financial ability to pay the loan. They have based ALL of their loans on client relationships with 'only ' wealthy customers ( another violation of potential redlining or covert bias ) and on the idea that, at least at the inception of the loan, the borrowing clients put $ $ $ into XXXX. These same clients were allowed to pull the funds immediately after close. And you're surprised they're on the verge of receivership. WHY WEREN'T YOU WATCHING THIS??!!

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 2023-04-26 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: AR

Complaint narrative:
YOUR COMPLAINT To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
SYNERPRISE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am hoping you may be able to assist me with filing a formal complaint against Ally Bank on their unfair and bad faith processing in the closing my CD account. 

On XX/XX/XXXX I made a request for an early withdraw on a XXXX, $ XXXX CD ( knowing there would be a penalty ), as I was using the funds to close on a new home. I was told that it would take 3-5 business days. Over the course of the next 9 business days, I made numerous calls to supervisors and spoke with associates via their online chat. Ally Bank continued to provide inconsistent, inaccurate, and false information regarding the status of my account. As a result, we were not able to close on our house. ( Please note that I closed a CD with XXXXXXXX XXXX for the same amount on XX/XX/XXXX, and XXXX delivered the funds within 3 business days. ) My money was released on XX/XX/XXXX after numerous conversations and being transparent with Ally that we were filing formal complaints against them for the unnecessary delays. 

On XX/XX/XXXX, I received an email from Ally regarding the complaint I escalated to their management. They responded that my original request took longer because they had to process a fraud prevention review. This was NEVER explained or communicated to us during any of our conversations. We had 3 other CDs of the same amount ( requested on XX/XX/XXXX ) from other banks who had no problem releasing and wiring the funds to my XXXX XXXX account within 2 business days. 

I feel that Ally consistently lied about the status of my request and held onto the money far longer than the usual ACH regulatory guidelines of 2-3 business days. None of Allys online information regarding ACH transfers speaks to any fraud prevention review. I had to argue with a supervisor to request their ACH policy, which I still have not received, nor do I trust that they will send it. 

Up until the release of the funds on XX/XX/XXXX, I was truly concerned that they, in fact, did not have my money and we were dealing with a serious banking issue and potential loss. 

We almost had to forfeit our home purchase and lose our deposit because of this situation. We are closing on our home almost a week later and have incurred additional expenses not only from added fees from closing, but also because we had to release 2 additional CDs, which were used to cover the costs of closing since we did not know when Ally was going to give us our money back. As a result of XXXX incompetence, this cost us over {$8800.00} in lost interest on those 2 CDs. 

While this has been an extremely upsetting and stressful course of events, I am also concerned that this is happening to others who may not know that they have agencies who may be able to advocate for 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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By the way, also following Federal Trade Commission report # XXXX and previous CFPB Complaint against debt collection agency # XXXX. As a consumer I have rights. I may only be XXXX XXXX XXXX with being new to credit only having a credit card or two of only XXXX dollars in knowing my rights. There are laws that abide to me and I will exercise them over my body. 15 USC Code 1 692 ( g ), 15 USC Code 1681, On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX no paperwork was sent to me prior to adding anything to my credit report. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I moved to XXXXXXXX XXXX XXXX  during the pandemic I had lost my job and my family was evicted. So what is this I owe never heard of Spring Oaks Capital the property owner contacted my family about Mail coming for me and it need a to stop because its Rental property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to Comenity Bank/Victoria Secret regarding two ( 2 ) late payments reported on my consumer credit bureaus '. I contacted them on XX/XX/XXXX to file a hospitalization/disability claim and was redirected to the insurance provider XXXX  XXXX. I submitted my claim and XXXX  XXXX made the first payment on XX/XX/XXXX. Comenity Bank is, and continues to report my account delinquent as of XX/XX/XXXX. 

This is an error between the Comenity Bank and XXXX  XXXX as there was no delay in payment on my part, so these late payments should be deleted. 

XXXX XXXX is reporting that they made the first payment on XX/XX/XXXX, subsequent payments on XX/XX/XXXX and a final payment on XX/XX/XXXX. I have since received proof of these payments from XXXX  XXXX and have attached for your review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a phone account with XXXX. I changed carriers on XX/XX/22, but XXXX continued to charge my Citi card. I disputed the charges with Citi Bank. I then changed my card number to stop the charges. I also asked Citi to stop these recurring charges as I had canceled my XXXX account. Citi verbally agreed to stop the recurring charges, but recently on XXXX XXXX, a recurring XXXX  charge appeared on my Citi card ( the one with the new number ) for {$420.00}. I again disputed the charge with Citi and again changed my card number. To date the charge remains " disputed '' but Citi has not refunded or removed the disputed amount of {$420.00}. I do not owe this money ; I didn't use the services ; I've been disputing the charges since XX/XX/22. Citi needs to remove the XXXX charges from my account.

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 monetary relief
Consumer complaint received 2023-04-26 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: DISCOVER BANK
State: NY

Complaint narrative:
I have wrote many complaints My privacy being violated And not following up With the standards of XXXX XXXX compliance And by FCRA standards the information shouldnt be reported due to mis information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: NY

Complaint narrative:
In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXX Bank XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXXXXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a 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 non-monetary relief
Consumer complaint received 2023-04-26 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 reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXXXXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
Was served with a " summons to answer '' and " complaint under simplified civil procedure '' that does not contain a clerks signature or a case number, has post office address as XXXX XXXX XXXX XXXX . 
I have not ever heard of the plantiff, no form of prior contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with XXXX XXXX XXXX XXXX XXXX ) ( B ) of the Fair Credit Reporting Act. 

Pursuant to XXXX XXXX XXXX ( XXXX ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.

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 2023-04-26 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:
I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act. 

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.

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 2023-04-26 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: WI

Complaint narrative:
See Attached Files... .I am a victim of identity theft. I have made NUMEROUS disputes with Transunion regarding fraudulent accounts being reported to credit report. I have grown tired of having to repeatedly dispute the SAME accounts as identity theft. Somehow Transunion has managed to " verify '' these accounts but won't tell me how they were verified which is my right by law. How is another company going to tell you I'm me?? Furthermore, the accounts that are reporting to my Transunion credit report are NOT being reported by the other two credit bureaus. So Transunion were able to " verify '' them but XXXX and XXXX couldn't?? Were SEVEN accounts somehow reported to ONLY Transunion and not XXXX and XXXX??? Please remove these fraudulent accounts from my credit report as they are not mine and are a result of identity theft. I have attached relevant documents including the consumer reports for both XXXX and XXXX showing proof that they are not reporting these accounts. By law, all credit reporting must be accurate and consistent. I look forward to your response.

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