vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My Experian, XXXX XXXX and XXXX credit reports reflect XXXX different reported fraudulent information. 

Experian is reporting incorrect credit card balances with XXXX XXXX and XXXX XXXX. 

XXXX is reporting fraudulent accounts : XXXX XXXX XXXX Account that is fraud, I have the incarceration documents. 

XXXX is reporting fraudulent Student Loans that are reappearing on my credit report. 

XXXX is reporting a XXXX XXXX account with a wrong balance, XXXX have not responded to my dispute in over 45 days. 

XXXX XXXX is reporting fraudulent accounts and refused to correct and remove fraudulent inquiries to non account holding inquiries. 

Ive checked all three reports through Experian XXXX service and noticed all the fraudulent inconsistencies with each report. 

These Bureaus have incorrect information and errors on multiple reports.

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 2022-10-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : JPMCB in the amount of {$42000.00} XXXX  XXXX XXXX in the amount of {$22000.00} XXXX Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have XXXX accounts on my consumer report that are showing as Charged off. These accounts are from : XXXX in the amount of {$42000.00} XXXX XXXX XXXX in the amount of {$22000.00} Barclays Bank in the amount of {$8000.00} XXXX XXXX ( XXXX ), the amount does not show on consumer report XXXX XXXX ( XXXX ), the amount does not show on consumer report All XXXX of these accounts show Charged off on my consumer report. 
According to the Internal Revenue Service ( IRS ), a charged off account on a consumer report, must me filed with the consumers tax return as cancelled debt, with form XXXX. Which I have done. Once the account is charged off by the creditor, it is no longer debt, but filed as gross or ordinary income on the consumers tax return. Therefore, the XXXX aforementioned creditors, are inaccurately and incorrectly reporting these accounts on my consumer report to the consumer reporting agencies. 
According to the Fair Credit Reporting Act, a consumer 's consumer report MUST be 100 % accurate. 
These XXXX accounts on my consumer report are, in deed, inaccurate, and I request them to be deleted from my consumer report, effective immediately.

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by 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 2022-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jonathan Neil & Associates, Inc
State: NC

Complaint narrative:
I joined the military and was unable to receive mail for 5 months and in this time I did not get any notification that I had a debt to be paid to Jonathan Neil and associates. During this time I was in the middle of an address change and started basic training. this means I did not have access to electronics of any kind or my home mailing address for 5 months at the 6 month mark of me being in the military I was finally notified by dot of Washington state that my license was being suspended due to unpaid debt towards an insurance company. This was the first I heard of this debt and even though I contacted Jonathan Neil and associates immediately after being notified by XXXX Jonathan Neil would not take the license suspension off my license with a payment plan in motion. By this I mean I already signed documents stating I will pay XXXX a month to this debt until it is paid in full with XXXX payments completed and a down payment. I have now paid off XXXX dollars of the XXXX owed. They will still not release the suspension. As my intention was never to run away from this debt I have consulted base legal to discover that this is considered very uncommon and before legal action is taken on my behalf the cfpb should be utilized first. I now have to repay for my license, motorcycle endorsement and will not be able to get a job in the automotive industry due to my now present negative driving record as I had before I joined due to the simple fact that I did not have access to my mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by 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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: OR

Complaint narrative:
To whom it may concern, My name is XXXX. Back in XXXX I called Discover Card and we agreed on a settlement. They sent me a letter confirming our agreement and that Discover will accept {$3000.00} as a settlement. As promised, I sent all money orders and I wrote on all money orders Endorsement of this check constitutes payment in full. You agree to delete account within 30 days from my credit report. 
They cashed all checks on XX/XX/2022 and never deleted the account and continued since then to report it on my credit report. This is a breach of contract rights. Also, Discover breached the agreement by still reporting to the credit bureaus that I still owe {$7100.00} while we agreed on the {$3000.00}. They sent me a letter that I owe XXXX  XXXX. How could I owe XXXX  XXXX on an account we agreed to pay XXXX  XXXX on and thats the settlement and agreement?!?! I will attach all proofs. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My XXXX, Trans Union and XXXX credit reports reflect 3 different reported fraudulent information. 

XXXX is reporting incorrect credit card balances with XXXX XXXX and XXXX XXXX. 

XXXX is reporting fraudulent accounts : XXXX XXXX XXXX Account that is fraud, I have the incarceration documents. 

XXXX is reporting fraudulent Student Loans that are reappearing on my credit report. 

XXXX is reporting a XXXX XXXX account with a wrong balance, XXXX have not responded to my dispute in over 45 days. 

Trans Union is reporting fraudulent accounts and refused to correct and remove fraudulent inquiries to non account holding inquiries. 

Ive checked all three reports through XXXX XXXX service and noticed all the fraudulent inconsistencies with each report. 

These Bureaus have incorrect information and errors on multiple reports.

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 2022-10-30 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Dates : XX/XX/22 XX/XX/22 XX/XX/22 Apple Card reported that I had paid late these months, which is untrue. A blatant lie to tank my credit. 

From the day I opened this account with them, I have had automatic full payment every month from my debit card, and these three months, I also had an over balance/ credit of approximately XXXX  XXXX. It would be IMPOSSIBLE to have a credit of over {$1000.00} each of these months and still have a late payment when there was no charge to the card. Make this make sense. If I have overpaid and have XXXX accounts, how does one make a late payment when mathematically impossible? 

Apple Card has been conducting itself fraudulently continuously to ensure that it can not open another card and leave them because they are exploitative and disgusting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 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: PA

Complaint narrative:
Dates : XX/XX/22 XX/XX/22 XX/XX/22 XXXX XXXX reported that I had paid late these months, which is untrue. A blatant lie to tank my credit. 

From the day I opened this account with them, I have had automatic full payment every month from my debit card, and these three months, I also had an over balance/ credit of approximately XXXX  XXXX. It would be IMPOSSIBLE to have a credit of over {$1000.00} each of these months and still have a late payment when there was no charge to the card. Make this make sense. If I have overpaid and have XXXX accounts, how does one make a late payment when mathematically impossible? 

XXXX XXXX has been conducting itself fraudulently continuously to ensure that it can not open another card and leave them because they are exploitative and disgusting.

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 2022-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my right 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 a section 2 also states that a consuming reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: DE

Complaint narrative:
I was assured by XXXX that when I successfully completed my rehab program that all old information including default statuses and annotations would be removed from my accounts. 

I have disputed with the Fed Loan Services and they keep referring me back to XXXX  to fix the errors despite them being listed on my reports as Fed Loan Servicing. 

They have removed all but 3 from XXXX despite disputes. All saying 120 days late. 
They have removed none from XXXX despite disputes. All saying 120 days late. 
They have removed all from XXXX and there is no issue here. 

These are now duplicated listings for the same accounts on XXXX and XXXX- the new loans from XXXX XXXX  all reporting positive with the same balances as the old Fed Loan Servicing Accounts reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: NV

Complaint narrative:
Send Letters Talked to the debt collectors expaling the debt did not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Complaint and XXXX  to JP Morgan Chase re their payment for home insurance policy in XX/XX/2022 XXXX JP Morgan Chase must explain under which authority they made payment of my home insurance in XX/XX/2022 if JP Morgan is not a mortgagee. 

JPMorgan must provide XXXX the name and contact information of of a responsible individual who made this payment ; and the name and contact information of a responsible individual who authorized JP Morgan to make this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Bank of America Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 further states that a consumer reporting agency can not furnish an account without any written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am the consumer, natural person consisting of flesh and blood, I have proof that I was discriminated against by capital one. They have denied me my right to use credit. Pursuant to 15 USC 1691a. The first few lines.

Verbatim : 15 USC 1691a ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: U.S. BANCORP
State: TN

Complaint narrative:
Re : U.S. Bank XXXX Acct XXXX XXXX Dear Sir/Maam, I recently used a check provided by your bank to Integrity XXXX in the amount of {$15000.00}, since the check noted that was the limit for use. Not having any idea that I had gone over any limit, as soon as I got home, I immediately sent in a payment in the amount of {$500.00} as I customarily do as opposed to waiting for my first bill to come in the mail to make my first payment. 

In the spirit of being a good customer and taking proactive action towards my debts, two days later I receive a notice from my credit monitoring agency that your bank has notified them that I was over the limit on my account and that this information generated a XXXX  point drop in my credit score. 

U.S. Bank did not call me or take any type of action to allow me to remedy this situation and neither waited five days for my payment to reach them ( which would have easily resolved the situation ) nor wait for me to receive the first billing cycle to find out this information so that I could take corrective action. 

I have been a good client of U.S. Bank for quite sometime and was honestly surprised to see U.S. Bank react in such a manner towards my account. At this time I am requesting that U.S. Bank remove this information from any and all credit reporting agencies and to restore and reflect my rightful credit worthiness with these reporting agencies. If I may be of further assistance please feel free to contact me through the information provided. 


Sincerely, 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 2022-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Dividend Finance Inc.
State: TN

Complaint narrative:
I purchased a XXXX back up system. It began having issues and XXXX XXXX, now XXXX XXXX, now XXXX. System does not work properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
I have uploaded to EXPERIAN.com/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling EXPERIAN to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least 25 addresses ) which i instructed EXPERIAN to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let EXPERIAN know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off 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 explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
This debt was on my credit for 7 years, it came off and 4 months later this company came out of nowhere and resubmitted this as debt to my credit report. I never got any notice from them about this debt. Also the debt was over XXXX XXXX XXXX and already fell off the account. They are also not licensed in New York to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: FL

Complaint narrative:
I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least 25 addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off 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