vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 seven 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 has reasonable cause to believe that the information is inaccurate.

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 seven years.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, 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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Synchrony Bank for the interest I have earned, as a result of Synchrony Bank is trading my securities on the exchange. This has been done with out my knowledge and constitutes that Synchrony Bank trustee listed above is committing SECURITIESFRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.

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 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I have repeatedly contacted PennyMac requesting an explanation for inaccurate info listed on past payment breakdown sheet and mortgage statement. PennyMac will simply not respond and furthermore can not explain why they are showing XXXX in fees on the past payment breakdown and XXXX fees on my mortgage statement. 

Please be advised that the XXXX is actually escrow and the XXXX is actually a refund from this past XXXX when a double payment was mistakenly made. This inaccurate reporting of information is making it impossible for me to get a Home Equity Line of credit through XXXX XXXX 

PennyMac has refused to give me a letter of explanation to give to the bank and has refused to correct information on their part. 
Instead, they tell me that I can just get a HELOC through PennyMac. Sadly, I think this is being done on purpose and I am greatly concerned as the numbers, per XXXX XXXX, do not add up correctly when looking at past payment breakdown sheet. Please help me get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: CA

Complaint narrative:
Debt is unknown to me. Amount of $ {$10000.00}. opened XX/XX/XXXX, XXXX collection agency has refused to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: DE

Complaint narrative:
XXXX.Transunion continuously reports inaccurate information to my consumer report. Transunion has changed my name to XXXX XXXX XXXX when my name is XXXX XXXX. If you look at the attachments you will see that they are the only Consumer Reporting Agency that is reporting my name this way. I have sent this reporting agency certified mail which had a copy of my Social security number, passport, and state ID. I called the company XX/XX/2022 to tell them hey your reporting my name WRONG AGAIN. And they told me to send in proof. I sent proof by certified mail on XX/XX/2022 usps return receipt number:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Transunion refused to correct my name even with this proof. This Consumer reporting agency is not handling my personal information correctly per the federal law. XXXXTransunion has also reported that I was XXXX days late on a payment with XXXX XXXX ( see attachment for date XX/XX/2022 ) which I was not and my score dropped again due to their inaccuracies. I sent them proof of payment and they corrected it ( see attachment XX/XX/2022 ). However my score remained the same. They dropped my score because of their inaccuracies. As you can see based on the dates of the report their negligence. This is a deformation to my character. 15 usc 1681 section 604 ( a ) section 2 it states consumer reporting agency can not furnish an account without my written instructions. Transunion violated the FCRA SECTION 623 AND REGULATION when they changed and reported my name as XXXX XXXX XXXX. UNDER. XXXX Obligations with respect to disclosures of personal information. states " that furnisher must not furnish inaccurate consumer information They broke that law In accordance with the fair credit act!

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN XXXX DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was the victim of identity theft in my XXXX 's and XXXX 's, which is still affecting me today. There are XXXX  loans that I did not take out on my credit, there are credit cards, credit inquires I didn't apply for, and small loans that are not my accounts. 
I've disputed these debts several times, and they will not remove these from my credit. Some things were removed originally, but these student loans, and other accounts referenced above have not been removed. 
This debt is affecting jobs, housing and my credit.

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase took illegal action to close two of my checking accounts - a business checking account and a personal checking account. 

When they closed these accounts, they blocked all online access to my pre-existing Chase-issued XXXX Credit Card account XXXX These accounts all have the same login location on the internet. 

I have been unbale to access the account to make any payments or to otherwise use the account as I could use it previously. 

I demand Chase explain why they have taken these XXXX  actions. 

I refuse forever and permanently to pay any amount on this card until the damages Chase has created by their irresponsibility it fully corrected with compensation to me for their damages and losses that they have caused. {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
I wrote letter to collection agencies to verify that I owed the debt and I received only copies of the statements from original creditor but no signed document was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: OH

Complaint narrative:
On about XXXX XXXX  I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from Experian, XXXX and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.

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 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
To Whom It XXXX Concern : I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the building process. US Bank has my money for the full mortgage amount in an escrow as well surplus of {$55000.00}. Every check that I receive from the insurance company for claims has to go through US Bank. We are XXXX XXXX  of the way completed on our new home. US bank received my overage check ( I {$55000.00} ) that is above and beyond our current mortgage escrow and have failed to return it since the beginning of XXXX ( XXXX ). They allegedly mailed at check on XX/XX/XXXX and it never reached me. The check was then cancelled and I was told on XX/XX/XXXX that another check would be mailed today XX/XX/XXXX. After speaking with US Bank today they informed me that they cancelled my check and do not wish to use my pre paid over night envelops that they received on Friday XXXX at XXXXXXXX XXXX. Consistently they do not have the same process advice or procedure. 

I have spoke to several supervisors who will not provide me with any further information on who I can speak to that is above and beyond the supervisor role. I have been treated very poorly with some of the staff making light of my situation. My builder is no longer building on my house due to me not being able to pay him. I am unable to get my overage check from US Bank and I have never been able to draw off of my mortgage escrow. I need help immediately as this is a crisis and they are not helpful. 

There was a supervisor named XXXX that provided me with his direct phone number XXXX. I have called him repeatedly and no answer. 

I have not called them and cussed them out like others XXXX have in this situation as it is not helpful. The only consistent thing I have them saying is this is XXXX XXXX US Banks fault but they are unable to fix it. It just keeps bouncing from XXXX department to the next to the next. A check allegedly gets disbursed and then cancelled. I have legitimately done everything on my end that is required and they refuse to get me my money. I have been waiting for weeks. 

Please reach out to me via email or by phone at XXXX. I need help as soon as possible. We only have alternative living expense coverage for a limited time an we need to have our home built before this used up. Without me being able to pay, we are at a loss. 

Best Regards, XXXX XXXX XXXX my XXXX tracking number is 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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights.15 USC 1681section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my 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 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 2022-12-15 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM 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 2022-12-15 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCOUNT # XXXX XXXX  XXXX XXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN 45 DAYS.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: SC

Complaint narrative:
accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name JEFFERSON CAPITAL SYSTEM , 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 _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich antedates the report by more than seven 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. 
Account Number XXXX Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXXXXXX XXXX  {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I submitted a dispute online with EXPERIAN on XX/XX/XXXX against XXXX XXXX. Experian said they completed their investigation XX/XX/XXXX. Experian is still reporting my my account as 30 days past due. My monthly bill is due on the XXXX of each month. I paid my XXXX bill XX/XX/XXXX by money gram in XXXX as XXXX requested. At time of payment my account was 27 days past due ( see attachment ). XXXX has updated my information correctly sending in the same information to both consumer reporting agencies. EXPERIAN is also reporting my XXXX payment as PAST DUE when my bill for XXXX is due on XX/XX/XXXX ( see attachement ). On XX/XX/XXXX I told XXXX  REP XXXX that I will make XXXX payment on XX/XX/XXXX. Which Again that will not make me 30 days past due. This is deformation to my character and a violation UNDER. 6802. Obligations with respect to disclosures of personal information. states " that furnisher must not furnish inaccurate consumer information They broke that law In accordance with the fair credit act!

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to TransUnion, XXXX and XXXX. TransUnion and XXXX have sent letters back but the incorrect information was not fixed at all. XXXX has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # 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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX missed payment DEPT OF EDXXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
XXXX XXXX my card was charged XXXX for a XXXX XXXX purchase, prior to the charge being charged I used my card at a gas station and left it in the pump which is how Im assuming they even obtained my card information let alone my physical card. At the time of purchase I was still in the area in which I had gotten gas and I received a notification that my card was used I immediately called my bank to tell them. I also provided a receipt from XXXX XXXX showing my whereabouts during the transaction.

Company response to consumer: Closed with explanation