vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX received more foreclosure documents. They are refusing to accept the principle payment to the loans with the understanding that the interest will be paid at the end of the term. If there are terms withing the loan documents that are opposite of this practice, then it was done illegally and without my knowledge. They need to stop the foreclosure process immediately and revisit the laws of this country.

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 2023-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I keep getting several phone calls during the work day, when I'm unavailable, but it's once an hour it seems for the past few days asking for a payment when my payment was just made for last month and my next payment isn't due until XX/XX/XXXX, it's XX/XX/XXXX. I'm in good standing and I'm getting irritated by the amount of calls which I'm unable to block since they call from 20 different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Climb Credit Inc.
State: NJ

Complaint narrative:
Good Afternoon, I am reaching out in regards to a student loan that was lended to my brother by climb credit. I am the co-signer on the account and i was not aware my brother hasn't paid the payments in several months or years. My credit score was consequently affected so I reached out to the collections agency and settled the debt in full and received the settled in full letter which i forwarded to the lender, Climb. CLimb credit still hasn't updated my credit report as it's been months. I have sent out numerous emails and letters and they reply saying it's being reviewed but no additional updates. I have disputed the matter with XXXX and XXXX also hasn't been helpful. I have sent both parties required documents and proof and neither is working with me. I am in the process of buying a home but it's on hold because of this account I was a co-signer of. I would appreciate any assistance and stand ready to re-submit any supporting documents. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX 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 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 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from XXXX XXXX and XXXX with navy federal bank under the fair credit act 15USC 1681A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Accounts has violated my rights. 

Pursuant to 18 U.S.C. 8, I owe no debt, this company is violating my consumer right to privacy pursua to 15 usc 1681 b 2 Company has also no permission to report anything using my info pursuant to 15 usc 1681 4 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Whenever I was trying to place an order using the XXXX app, there was always a promotional pop-up for Chase XXXX XXXX XXXX credit card. I avoided it many times. But sometimes my purchase would not go through if I dont click on that promotional link. It also said that being a promotional offer, it will only reflect as a hard inquiry on my credit report if I qualify and accept a credit card offer. I have not accepted any credit card offer. 

However, the inquiry is reflected as a hard inquiry on my report since XX/XX/XXXX. 

I have been following up with XXXX using chat and phone more than 4-5 times. I was told that this inquiry will be removed from my report, but it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This is to dispute Transworld Systems Inc. reporting to XXXX that I currently own them {$2400.00}. I actually only owe {$110.00}, which I would gladly pay to them if they would merely communicate with me, which they have thus far refused to do. In fact, I was unaware that this matter was pending until I reviewed my XXXX credit report to discover why my credit report score had decreased dramatically. On XX/XX/XXXX, I wrote them a detailed letter with attached exhibits proving that I do not owe a lease contract buy-out fee in the amount of {$2300.00}, as they allege. However, after not hearing back from them for over one month, I sent them a second dispute letter, but this time in a manner with the United States Postal Service ( USPS ) that would require them to physically sign for it. As you can see on the attached USPS receipt ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ), I sent it to them on XX/XX/XXXX. If you run this tracking number, you will see that it arrived in their local post office on Monday, XX/XX/XXXX. As of the date/time of this complaint ( XX/XX/XXXX, at XXXXXXXX XXXX ), they have still refused to sign for my second dispute letter to them. My complaint is that Transworld Systems Inc. has never made an attempt to reach me. When I moved out of the XXXX XXXX XXXX XXXX apartment complex on XX/XX/XXXX, I left them my accurate and still current forwarding address at XXXX XXXX XXXX, XXXX, MO XXXX, which means that Transworld Systems Inc. should have had it also. My complaint is also that Transworld Systems Inc. ignored my first dispute and is currently ignoring my second dispute by refusing to pick it up at their local post office. I find it highly unethical and just wrong to report the blatantly and demonstrably false information on my credit report, even after my mailing them proof positive that I do not owe this fee. A simple reading of my dispute with attached exhibits proves beyond all doubt that I do not owe the lease contract buy-out fee of {$2300.00} that they reported. They merely refuse to address this matter with me and refuse to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I called affirm to let them know that the hotel refunded back the XXXX dollars and I uploaded the receipt to let them know that my loan is XXXX dollars less and they won't give me back my money even though I sent them my receipt. All they keep saying is to call the hotel but the hotel already gave me a receipt with the amount they charge. I also called the hotel and they said the XXXX dollars was refunded and the receipts shows this. I have been dealing with this for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: TX

Complaint narrative:
I am writing to request the removal of a collection account from my credit report with Experian. I have recently discovered that this collection account has been successfully removed from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX, as evidenced by the attached document. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/2022 Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/202XXXX 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 explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My consumer Id XXXX A XXXX XXXXXXXX credit card fraud I was impacted by the XXXX breach and also I been a victim of identifying theft from XXXX to XXXX my identity was stolen and was to open XXXX bank accounts and checking writing as well So I find out around XXXX that my identity was been used to open all kind of accounts and that my ssn was in the XXXX breach so I put an credit lock on all my credit reports agents. But before the credit lock I spent a lot of money tryna to fix my credit report from fraud and still Wasnt able to fix my credit report and. The person which is using my identity has about of inquires on my XXXX  and consumer report that I will like to dispute all inquires on my report and in will like all this credit accounts that on my credit report to be removed please and I will like also to dispute my XXXX report since its do to fraud so I can be able to open an checking account If the future this my name XXXX XXXX XXXX XXXX can be reach at XXXX cell. XXXX cell Email 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 explanation
Consumer complaint received 2023-06-10 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXX of Inquiry : XX/XX/ Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 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 2023-06-10 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: NJ

Complaint narrative:
Good Afternoon, I am reaching out in regards to a student loan that was lended to my brother by XXXX XXXX. I am the co-signer on the account and i was not aware my brother hasn't paid the payments in several months or years. My credit score was consequently affected so I reached out to the collections agency and settled the debt in full and received the settled in full letter which i forwarded to the lender, XXXX XXXX XXXX still hasn't updated my credit report as it's been months. I have sent out numerous emails and letters and they reply saying it's being reviewed but no additional updates. I have disputed the matter with Transunion and Transunion also hasn't been helpful. I have sent both parties required documents and proof and neither is working with me. I am in the process of buying a home but it's on hold because of this account I was a co-signer of. I would appreciate any assistance and stand ready to re-submit any supporting documents. 
Thank you!

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 2023-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
On XX/XX/2023 I was driving on XXXX XXXX XXXX while the vendor ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was conducting some repairs around toll booths at the location. My transponder did not work properly there, either because of vendor construction work or because transponder battery expired. I ordered a new transponder and returned an old one as XXXX as required by service agreement. 

On XX/XX/2023 I received a notice from XXXX XXXX requiring payment of said tolls plus excessive administrative fees and dispute resolution form. I filled the form indicating my XXXX account number. I considered the matter resolved as I was diligent customer of XXXX for decades. However, vendor ignored my request and send me another bill with even larger administrative fees and threats of legal action. 
The notice number they sent is XXXX. My XXXX account number is XXXX. 

Despite having an XXXX transponder and vendor policy of charging fees in such case to my existing account, I have been charged exorbitant fees for using XXXX toll roads. I did pay the amount requested of {$55.00} to stop accrual of fees, but have contacted the vendor and informed them of this issue, and requested refund, but they initially have ignored my dispute form request and continued to over-bill me with additional fees. I have also received threatening legal action if I fail to pay these charges, which is unacceptable. 

After my multiple complaints to XXXX  state authorities the vendor did refund the fees of {$55.00} on XX/XX/2023, therefore I considered the matter resolved. However, it turned out that vendor decided to turn the case to the bill collector ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ) to collect {$200.00} (! ) for the resolved matter. I consider this a blatant violation of FDCPA in order to continue to harass me for the debt I never owned and violate federal consumer laws for corporate enrichment. 

I am very disappointed with the vendor 's illegal action in resolving this matter. I have tried to resolve this issue amicably, but it seems that my concerns have fallen on deaf ears. 

Thank you for your time and attention to this matter. 

VENDOR : 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 XXXX XXXX

Company response to consumer: Closed with explanation