vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern I am challenging the validity of the alleged bankruptcy you have listed for my credit reports I received a message from the credit Bureau stating that you verified the information. I contacted the federal courthouse for the XXXX XXXX XXXX Georgia and was told via letter that they do not verify this information, or the information was not verified with them for you or any other credit agencies. I am asking that they would please send me the information that you use to verify the alleged bankruptcies and that you would also either remove this bankruptcy from my credit file with you. For this is defamation of my character. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something falling within the bounds of what XXXX be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts. BANKRUPTCY XXXX XXXX XXXX GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA 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 2022-10-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. The account in question has been resolved. You did not provide me with the information that was asked for which is " can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. '' You did not do a proper investigation into this claim once again because these accounts are unauthorized and have not been fact-checked. Equifax you are the only agencies that have not removed these errors. It is your due diligence to do a proper investigation. This will be my last notice before taking this to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX Related to Acct ending in XXXX Claim or Reference # XXXX Consumer Financial Protection Bureau On XX/XX/XXXX I noticed some fraudulent transactions happening with my debit card and i called Chase immediately to report this issue, they immediately cancelled my card and issued me a new card. I was told that they will issue a temporary credit while they do investigations which they did and later came back in the end of XXXX and denied XXXX of the transactions because they insisted that the merchants involved provided accurate informations that the transactions was valid. I called Chase XXXX department and requested the merchants provided proof of valid transaction and a week later i received the documents from the bank and none of the transactions in question had my accurate billing information, I called back the bank and spoke to a fraud dept rep who went over the validity of this transactions XXXX after the other and upon establish that none of the transactions was valid due the billing/shipping informations provided, he told me that he will initiate an appeal for those transactions to be looked at, he told me it could take a month but they will get back to me. 
By XXXX of XXXX when I have not heard anything about the appeal I called the Customer service line and I was instructed to go into a branch and speak to a XXXX which I told the rep I will not risk exposure to XXXX when XXXX is still telling the public to keep observing the pandemic protocols. 
Today XX/XX/XXXX I called the fraud department again to restart this issue, at first she told me that all the transaction was permanently credited to my account because they determined that the merchants rebuttal to my claim was no sufficient enough, upon my disputing that I have received my money and iterating that she looks further, she realize that her initial judgement was not the case so she went ahead and created a new claim for the transactions in question. The Reference # for the current claim is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
In XX/XX/2022, I saw a suspicious payment on my Lowe 's account through Synchrony Bank. I contacted Synchrony bank and they agreed. Because the credit card used in the fraudulent was non-existence, the payment defaulted. The following XXXX the same situation occurred. Once again I contacted Synchrony Bank. They agreed it was fraudulent and issued me a new Lowe 's card. XXXX days ago I received, in the US mail, a notice from Synchrony Bank that they had closed my account due to XXXX defaulted payments, the XXXX payments above. I contacted Synchrony Bank and was told there was nothing they could do because THE SYSTEM, closes down any account that has a default payment. XXXX questions I asked- was the account delinquent when the fraudulent payments were attempted and was it delinquent now. Answer to both questions was " NO '', because I had made ALL payments on time. So now my credit rating which had been in the XXXX 's will suffer from the SYSTEM action without any human review. So now any credit inquiry will be affected by this erroneous information. I don't accept the " there is nothing we can do '' answer.

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 2022-10-20 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:
The fraudulent inquiries that was not authorized by me has caused a hard inquiry on my Credit score

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 2022-10-20 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: PA

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

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  Balance XXXX and XXXX XXXXXXXX balance XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.

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 2022-10-20 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:
in accordance with the Far 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, 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 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 knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-20 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:
in accordance with the Far 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 Bank, 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 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
{$1700.00} XX/XX/2021 {$690.00}. XXXX accordance with the fair credit reporting act this creditor has violated my rights under 15 use 1681section 6 of 2 states I have the right to privacy15 use 1681section 6 o 4 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SLM CORPORATION
State: MO

Complaint narrative:
Sallie Mae. 
3 promissory loans included in my XXXX  XXXX XX/XX/XXXX On XX/XX/XXXX they sent a letter indicating a party on the loan has filed for bankruptcy an automatic stay you will not receive correspondence, including billing statements, for the duration of the bankruptcy case and online access will be unavailable. In addition, any pending loan disbursement or future schedule payments have been cancelled. 
They have cancelled receipts of future payments for 55 months. 
On XX/XX/XXXX, they received notification of discharge from bankruptcy. No objection was submitted fully aware no payments have been received. These are promissory notes -unsecured loans. They began to send letters for payment and I explain per their letters if you have been in bankruptcy let them know, I did. But they already knew that. I am also going through a divorce. I did not receive any educational benefit from the loans, they were past statute for collection. They state they are defined by IRS statue, I explained 2 people can not claim the same exemption., the borrower or the co- signer. Both did not get the same benefit. They subsequently send letters stating they will be charged off, and 1099 C, Cancellation of debt will be issued..

By sending a 1099c this now become income, and not a debt. When this becomes taxable income it is not longer a debt. you can not collect on income. This has to be removed from my credit report. they cant have it both ways. In addition, when I contacted the credit bureau because they listed it as a charge off instead of bankruptcy the changed the dates as write of XXXX to keep on credit record till XXXX. 
It should be removed effective immediately for the deceptive practices on all three of my credit reports and the joint borrowers. 
these are abusive and deceptive practices i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: LA

Complaint narrative:
I entered into a contract to purchase hearing aides from XXXX XXXX  on XXXX XXXX. {$4000.00} of the purchase amount was to be financed through XXXX which is a product of Commenity Capital Bank ( XXXX XXXX XXXX XXXX, Ohio XXXX ). My purchase agreement and sales receipt specify the contract is for 60 months at a rate of 9.99 %. Additionally these document specify this will be a monthly Equal Payment Plan. The first months statement was issued by Commentiy on XX/XX/2022 with a payment due on XX/XX/2022 in the amount of {$87.00}. That payment was paid in the amount of {$87.00} on XX/XX/2022. The XX/XX/XXXX, statement was then issued with the monthly payment due amount of {$150.00}. I XXXX mailed a letter to Commenity disputing the monthly payment amount. I furnished a copy of the purchase agreement, and receipt. On XXXX XXXX Commenity Customer Care Team sent me a letter stating they had received my letter and would be working on resolving the issue. XXXX, XXXX and XXXX statements dated on the XXXX of each month have continued to show an amount of {$150.00} due. As of today ( XX/XX/2022 ) my dispute has not been resolved. Commenity 's collection department continues to call wanting me to pay the full {$150.00}. I have continued to pay {$87.00} per month. for the months of XXXX, XXXX and XXXX. I have not been able to get them to resolve the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, 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 2022-10-20 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation
State: NY

Complaint narrative:
my mother is elderly and has been entertaining a reverse mortgage. she has been working with a broker for many months. she decided to list her home to see if selling would be a better option since rates are astronomical for a reverse mortgage. the day the home was listed, the broker reached out to my mother to tell her that rates are sky rocketing and she must sign immediately or her payout will be reduced by XXXX XXXX ( which is obviously not accurate ). since that time ( last friday ), she has consistently pushed her to close the loan by tomorrow, which because of the pressure she agreed to do. 

I feel strongly that she is being lied to & taken advantage of by the mortgage broker, due to her age & lack of financial savvy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2022 NewRez LLC ( https : //www.newrez.com/ ) double drafted my checking account for XXXX charges of {$1200.00}. This is entirely incorrect as I submitted my monthly payment for my mortgage amount of {$1200.00} on XX/XX/2022, they in error double drafted my account for twice the amount they should have. This has already caused immediate overdraft fees, and other bank fees that are being added daily.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It's been brought to my attention that TRANSUNION has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that TRANSUNION provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : 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

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 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with CAVALRY PORTFOLIO SERVICE. This Catastrophic error and negligence on behalf of CAVALRY PORTFOLIO SERVICE is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.

Company response to consumer: Closed with explanation