vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: SC

Complaint narrative:
in accordance with the. fair credit reporting act XXXX  account # 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 : If 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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX XXXX Credit application was submitted to AMERICAN EXPRESS An Adverse Action letter which is against the law according to Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k.

Furthermore, because my social security number ( credit card ) was used and I received no benefit this is proof of fraudulent activity ( unauthorized use of credit card ) an behalf American Express Credit application Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Solutions, LLC
State: CO

Complaint narrative:
Asset Recovery Solutions Called my Mother in an attempt to reach me, despite apparently sending letters to a previous address despite mail forwarding, and me not having received a letter. When i called the number to ask who they were, they refused to tell me until I gave them my name and date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: HI

Complaint narrative:
XXXX XXXX had previously sent a debt amount they said I owed. However, I never owned a XXXX XXXX account. I have submitted to their 2 collection agencies who keep harassing me on trying to get me to pay an amount they believe I owe. 

I have attempted many times to get XXXX and their collection agencies to redirect the collection effort on who really owns the phone account. But, they are insistent I am the account owner - I told XXXX and both of their collection vendors this is not my debt, phone number, and or account. 

I have attached documents and a letter I would like to send to you for assistance in clearing this matter up. If you review all of my credit accounts I am in good standing in all of my credit cards, and loans and they have done nothing except to keep ruining my credit reputation which needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
XX/XX/XXXX received 8 calls in 7 hours between XXXX and XXXX XXXX  regarding lane bryant credit card XX/XX/XXXX received 5 calls in 6 hours between XXXX XXXX  and XXXX XXXX  regarding same lane bryant credit card XX/XX/XXXX. Received XXXX calls between XXXX and XXXX XXXX  regarding same lane bryant credit card with payment already scheduled for 5/22 in past due amount of {$37.00}.

Amount past due is {$37.00}. Lane Bryant attempting to collect past due {$37.00}, and future due {$22.00}.

Lane bryant representative states that my account will remain in the past due status until I also pay the future amount due of the {$22.00} that is not due until XX/XX/XXXX ( 3 more weeks ). I understand that this means that I may continue to receive 7-8 calls per day at work until I pay the future amount due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
At approximately XXXX XXXX on XX/XX/22, CapitalOne sent me an advertisement for their Quicksilver card, with a {$300.00} bonus offer. I applied for it shortly afterwards and was denied, despite having excellent credit. As a result, my credit score has been temporarily damaged. I believe that by inducing me to apply for a credit card I would not have otherwise applied for with an offer CapitalOne had no intention of fulfilling, CapitalOne has engaged in an unfair, deceptive, and abusive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Professional Recovery Management
State: TN

Complaint narrative:
Fox collection has failed to provide proper validation of the account they are reporting to my credit report. I have asked for validation, yet they provided a billing statement. I requested PROPER validation. I asked Fox Collection to provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. Fox collection has failed to do so. Also my credit report is not 100 % accurate regarding this account. XXXX is reporting this account status is closed, while XXXX and XXXX is reporting an XXXX status. Also the date last active under XXXX shows XXXX, XXXX shows XXXX & XXXX showing XXXX. This seems as if the account has been re-aged which is a violation of the FCRA. Please assist me with this matter immediately. 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio
State: CA

Complaint narrative:
I've called and was told that the debt was a different amount and asked that they provide the correct documents. Was put on hold and once I turned on my voice memos and was then hung up on. Called back and an XXXX XXXX male by the name of XXXX XXXX got on the line and I informed him that I would be recording this call for my protection as well and began to explain the reason of my call and was cut off my XXXX XXXX and he stated that this is XXXX XXXX and you filed a complaint with the CFPB. I said to XXXX XXXX to please not cut me off and let me explain the reason for my call and then he continued to cut me off and became very hostile and said that I can not record him. I explained to him that I'm recording for my own self as protection as well. I asked for all the documents that shows the amount that was owed, proof of debt, leasing agreement with my signature, bank statements that XXXX XXXX stated that he has. He would not stop talking as I continued to ask for these and stated that he was going to play back the call so he can prove of things that I said to prove that I was incorrect in what I was asking. I asked multiple times to play the recording and he continued to try and get me to become aggressive as he stated that he would disconnect the call. He also stated that he would contact my local police department for harassments as I stated that I would call back if his disconnected the as I looking for their burden of proof to provide accurate paperwork of the debt. I asked him to send this to my current email address and he stated that " oh now you are using different email. As if this is a crime and he began to become aggressive and I stated to him that he needs to watch his tone. Called back and was placed on hold and then XXXX XXXX and he then stated that he if he would've had more respect for me and handle the call differently because he comes from a family of vets. So he is also showing bias with the people he is trying to collect from. I was told that he was going to block my number and I would not be able to call and if this is the case, then this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XXXX XXXX I witness negative information on my credit report about a loan I never applied for from Regions Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Date XX/XX/23 at XXXX I went to a local chase bank outside there a atm I go to the atm to deposit XXXX dollars which was XXXX XXXX XXXX dollars it took the money In printed out a receipt to call a number saying make sure your deposit was processed i then check my account it wasnt there I go into the bank told them what happened a rep said another customer it happened to I then say why wasnt it a notice on the atm they said it still works but only taking people deposit with processing it so the rep gets my information in does a claim in tells me its gone be 10 business days I said it wasnt 10 days when I deposited my funds I wanted my money now to pay my bills now Im late this is unacceptable in this bank is know for there atm taking customers money which I found out often this happened to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've worked with my mortgage lender, XXXX XXXX, to correctly report payments during the XXXX forbearance period to each credit agency. XXXX and XXXX have the correct dates listed, but Transunion is reporting accurately reporting dates.

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 2023-05-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Request for validation of debt ; pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. - company provided Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. - not provided Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.- not honored Send me proof that you are licensed to collect debt in my state. - not provided Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. - not provided.

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 2023-05-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit Acceptance Acccount number XXXX The creditor is reporting that my account is affected by natural disaster. 
This is not correct.

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 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
( WESTLAKE FINANCIAL SERVICES : LATE PAYMENTS XXXX & XX/XX/2022 ) HAS VIOLATED SEVERAL OF MY RIGHTS. 

15 U.S.C 1681 SEC 602A. - CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY.

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

15 U.S.C 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.

REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT. 

WESTLAKE FINANCIAL SERVI 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 2023-05-22 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
On XXXX XXXX, I paid my mortgage to Mr. Cooper ( Nation Star Mortgage ), using their phone service. I paid {$1000.00}, and received a confirmation transaction verification code. This is amount is more than my monthly mortgage payment. Last week, a representative from Mr. Cooper called, stating they had taken more than the {$1000.00} out of my checking account than I requested. They took XXXX out of my checking account. How can they do this without my authorization? The representative did say they could give me a refund, but If they do, and they don't receive the money from my account ( which they knew they already had the money ) I would owe the even more money. This isn't the first time I have had an issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation