vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX  account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX  account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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:
TransUnion willfully furnished inaccurate information on my consumer report. Disregarding me the consumer and natural person disputing the errors I found. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. Account XXXX XXXX has provided TransUnion with second hand information. TransUnion did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the XXXX accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to TransUnion for reporting purposes. Transunions negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and TransUnion refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness. This entity is refusing to operate with integrity, fairness and impartiality.

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 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submit a complaint XXXX about information on my Experian credit report address are not mine and incorrect. I have asked Experian to correct these address XXXX times now. I have provided proof my correct address. Driver licenses, and utilities bill. Experian is the only credit reporting these incorrect information. I will now attach a copy of my XXXX and XXXX report. showing my correct address. I also have a copy of XXXX of my credit cards that is on my Experian report. that has my correct address. So, Experian is reporting incorrectly or not reporting correct information. Under the fair credit act USC 1681. credit reporting agencies are required to report accurate information. Experian is clearly not doing so. this is a violation of the fair credit act which carries XXXX per violation. Experian is reporting XXXX incorrect address that needs to be removed immediately. there are highlighted on the Experian 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 explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Edit this section What happened? 

On XX/XX/XXXX I filled out an application on XXXX XXXX for a {$5000.00} loan for the XXXX XXXX. They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touched the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to Spring Oaks Capital for {$470.00} but Spring Oaks Capital can not produce any documentation with my signature on it. I called them to dispute the ownership of the {$470.00}. When I look at the credit report Spring Oaks Capital LLC says this loan came from XXXX XXXX on XXXX XXXX when it came from the XXXX XXXX. I have never done business with XXXXXXXX XXXX before. I have been fighting with them for over a year to get this taken care of. Neither company can give me a copy of the original contract for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: LA

Complaint narrative:
Please make appropriate corrections reported as late payments on XXXX XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My account is incorrect, I am a natural person, I am a living human being, I have right under 15 USC 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy & consistency. 
Equifax, and XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and accuracy I did not give Equifax and XXXX written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Please make appropriate corrections reported as late payments on listed GM account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681. 

Equifax, is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: LA

Complaint narrative:
Please make appropriate corrections reported as late payments on listed XXXX account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-08-21 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Please make appropriate corrections reported as late payments on CITI listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2022-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
SANTANDER CONSUMER XX/XX/2018 amount is {$14000.00}. i have sent FTC report and police report. XXXXXXXX XXXX XXXXXX/XX/2018 {$13000.00}, XXXX XX/XX/2018 {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank continues to report to the credit bureaus as an account that was charged off. I've tried disputing it on the credit bureaus and my dispute actually messed things up work. I filed and was XXXX in XXXX XXXX XXXX years ago, as of XXXX Barclays decided to list my account as a charge off and report a serious delinquency and recent late payment on XX/XX/22. It dropped my XXXX  score over XXXX points.

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 2022-08-21 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: MI

Complaint narrative:
I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. XXXX and XXXX have removed XXXX XXXX from my credit report but Trans Union is keeping it there they said its verified but they do not have a copy of the original contract for the 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 2022-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase and they offer a payment service called XXXX. On Saturday, XX/XX/2022 around XXXX pm I sent XXXX to my XXXX for a tuition payment she was to make with our XXXX university. The money can be sent by referencing either the email address or phone number. The information is stored in a software setting for on-going transactions. I often send various amounts of money by my wifes email with no problem. For some reason this time it went by her phone number. Her phone number is XXXX. The number saved as XXXX XXXX was XXXX Anyway, the next day my XXXX told me she never got the money. I talked to Chase Customer Service that early XXXX and they told me they would launch an investigation. A week or so later I got an email stating that they tried to contact the owner of the phone number. 

I left a message for the person to call me but never heard anything back from them. My bank told me they would try to get my money back. 

I find it very interesting that this number is not in the XXXX network but yet an email was sent with instructions on how to download the money. I am not sure why the number was used this time and nor the email address. The {$5000.00} amount was listed on the email with my name referenced. 

Here is my activity form the bank. 

We sent money from XXXX XXXX XXXX ( ... XXXX ). 
Mobile number XXXX Transaction number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is refusing and has been refusing to post correct information or refusing to delete incorrect information. My name is XXXX XXXX XXXX XXXX My birthday is XXXX at some point last year Transunion changed my birthday to XXXX. They made this change without verifying the information or contacting me to warn me of possible identity theft. By the time I was told what was being reported it was too late. Damage had been done. i have been denied housing, jobs and funds. I have been denied help and been denied the chance to speak my truth. Transunion has taken away my chance of living a typical American life. Instead, i am now homeless, eating out of trash cans and begging for pocket change. I have disputed faulty accounts repeatedly. Transunion will take the accounts down only to repost to the next buyer of the debt that wasn't mine to begin with. How are they allowed to hold a person 's future in the posted information that they are obviously paid to add to a credit report without any investigation. I thought that the big XXXX agencies were here to protect the consumer. The only thing being protected now is the bottom line. the bottom line that is made up of the very consumers private information that is sold by the very company that is sworn to protect. when will this company be held accountable? I want my life back. I want my chance to live the American dream without being terrorized by Transunion. only dream I'm a part of is a nightmare. How much is my life worth??? I guess I'll find out with the answer to this complaint. 

XXXX XXXX XXXX XXXX XX/XX/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