vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had 2 companies pull my credit report in the last year, XXXX reported to my car insurance that I had too many credit inquiries. That is outrageous! 2 credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same two credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.

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 2022-05-05 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: Selene Holdings LLC
State: LA

Complaint narrative:
Selene Finance has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. Listed below are some of the actions they have done. 

1. They are reporting that the account was opened on XX/XX/XXXX, which it was incorrectly transferred to them on XX/XX/XXXX by XXXX XXXX. 

2. They have reported to XXXX and XXXX that the Last Payment Made was on XX/XX/XXXX, and they reported to XXXX that the Last Payment Made was XX/XX/XXXX. No payments have ever been made to them. This debt was included in Bankruptcy Case filed under XXXX XXXX XXXX the United States Bankruptcy Code, entered on XX/XX/XXXX at XXXXXXXX XXXX and filed on XX/XX/XXXX. The court requested a validation of debt from XXXX XXXX XXXX c/o Selene Finance LP and it was ordered that XXXX XXXX XXXX c/o Selene Finance LP claim XXXX XXXX XXXX It was further ordered that the property was not subject to the bankruptcy estate and debtor XXXX XXXX is not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

3. They have reported a balance of {$180000.00} with {$73000.00} being past due, and there is no past due balance because the loan was paid off thru XXXX XXXX. XXXX XXXX incorrectly transferred a closed mortgage account. 

4. They have labeled the accounts as a Account Included in Bankruptcy, and Loan Modified. This is incorrect because the judge dismissed their claim and stated that I was not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

5. They also continue to show this account as open and currently delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My identity was stolen! After a bad incident, I was in the hospital for a long while. When I was finally feeling better. Everything has been compromised. Ive been XXXX fix this problem 4 a while now. I bet u the thiefs had an easier time stealing my stuff. This is heartbreaking. As if I havent been through enough.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2021 I contacted Chase requesting a hardship program as I was having trouble paying down my bill. They refused. 

One year later my financial situation is worse. The hardahip department refused to get on a call with me. I asked my representative to reach out to them twice She both with XXXX and XXXX both of whom refused to get on the call. I am meeting my minimum payments each month however only {$35.00} goes toward principle. It is impossible to lower my bill without sone kind of help from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I owed debt to XXXX XXXX in late XXXX. When the pandemic hit in early XXXX XXXX I lost my job and had to stop paying all my credit card accounts. I have been able to work with all of them but this specific account was sold to Midland Funding who NEVER sent me a letter and have continued to call my old job which has THANKFULLY reopened and rehired me even though I have told them to STOP calling me work and they hang up. They show up to my home with their phone cameras filming me asking what my name is and I say who are you from and they tell me they can not say who they are. And today for a 3rd time someone showed up at my home and threw documents at my front door took photos and left the documents at my front door? I have this all on on security camera. This is complete fraud and they are trying to scare me and bully me. I need some sort of protection from this please. The documents they left claim that they have sued me XXXX XXXX XXXX on XX/XX/XXXX? I was NEVER notified of this, when I look it up on the court website theres no records of this? This is fraud and the people who are coming to my home are starting to scare me and my family. Please help me. The documents I have attached were thrown at my front door today XX/XX/XXXX by a large man with his phone out filming everything. This is NOT OK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
1. I RECEIVED A DEBIT CARD FROM CAPITAL ONE BUT DID NOT OPEN IT 2. I CALLED CAPITAL ONE AND THEY FOUND THE ACCOUNT USING MY SOCIAL SECURITY NUMBER. 
3. SOMEONE OPENED AN ACCOUNT USING MY NAME, ADDRESS, SOCIAL BUT WITH A DIFFERENT PHONE NUMBER. 
4. CAPITAL ONE CLOSED THE ACCOUNT 5. I WILL REPORT IT TO THE POLICE 6. I AM CALLING XXXX AND XXXX I EXPECT CAPITAL ONE TO SEND ME CONFIRMATION THEY HAVE CLOSED THE ACCOUNT AND THAT THEY HAVE REPORTED THE CRIME AND REPORTED THE PHONE NUMBER OF THE CRIMINAL TO LAW ENFORCEMENT AND THE CFPB BECAUSE THEY WON'T GIVE ME THE CRIMINAL 'S PHONE NUMBER PLEASE HELP CATCH THE PERSON RESPONSIBLE. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: SC

Complaint narrative:
On XXXX XXXX I received a letter from the US Bankruptcy court in response to a letter I sent them in reference to requesting if they have submitted any information about the bankruptcy reporting on my consumer record. Us Bankruptcy notified me stating they do not supply any information to the credit bureaus. On XXXX I received notification from XXXX XXXX from my request prior to opt out, stated US Bankruptcy court did not furnish my personal information to their agency. XXXX XXXX the furnisher for public records deleted the bankruptcy from the agency records. 

On XXXX I submitted a letter to XXXX and Transunion requesting information from the bureaus. XXXX responded remain but Transunion have not submitted the results. XXXX have not properly investigated the account based on the fact the Furnisher who remove the bankruptcy. 
This a violation of my right for privacy. According to 15 USC 1681a ( e ) - this is a direct violation of my right for 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 non-monetary relief
Consumer complaint received 2022-05-05 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: NC

Complaint narrative:
I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights. 

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 Account # XXXX, XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-05-05 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: NC

Complaint narrative:
I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights. 

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 Account # XXXX, XXXX XXXX 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 an 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, LCI, XXXX, XXXX, Transunion are reporting a XXXX XXXX Bankruptcy that is inaccurate. US Bankruptcy court has already verified that they do not report or verify public information. 

The bankruptcy that is reporting is inaccurate, unverifiable, and should not be on this credit report. A XXXX XXXX bankruptcy was not filed on XXXX. 

None of these companies have sent back any proof or verification. XXXX, XXXX, XXXX and LCI never even responded.

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 2022-05-05 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # 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 : 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 explanation
Consumer complaint received 2022-05-05 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: NJ

Complaint narrative:
I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX BANK XXXX, these five accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.

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 2022-05-05 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: PNC Bank N.A.
State: FL

Complaint narrative:
I have already disputed the inaccurate information on my credit report with PNC Bank NA in accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ).

The provision of subsection 1681s-2 ( a ) is enforced pursuant to 15 U.S.C. 1681s-2 ( d ). PNC Bank N.A . provided an inaccurate open PNC Credit Card Account in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The consumer ( complainant ) requested to close his BBVA credit card account. 

Consumer declined the PNC Points XXXX  XXXX XXXX Credit Card and rejected the PNC Consumer Credit Agreement. 

PNC Bank NA falsely reported to the consumer reporting agency that the consumer had an open PNC credit card account. The consumer never open a PNC credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
While reviewing information on the fedreal trade commission site, i found information for the breach settlement for XXXX. In order to verify your eligibility you must leave the XXXX site to go to the link to check for eleigibilty. I left the XXXX  site and was on the XXXX area. I placed my last name in and last six of my social security. The site stated that I was impacted and needed to file a claim. When I went into the claim area it said that the claim was expired but I could file an extended claim. It said I had a deadline, but the money may run out. Why would I have not been informed of such an impact that I am dealing with right now, since this is the 4th claim I have filed in the last month. I knew nothing about this breach.

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 2022-05-05 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX charged my bank account fraudulently. I called the bank and they said " Call XXXX first and see if you ca ] n get a refund. '' That's exactly what I did. I was refunded my money.

Unfortunately, my account was negative solely because of the fraudulent charge. I had money in my other checking account so Navy Federal took it. from that bank account to help pay for the overdraft. I was still left with a balance from an unauthorized transaction. The money should have never been transferred because the charge was fraudulent from another company. I did not participate in these fraudulent transitions so I shouldn't even have a negative balance. I got my refund. but not in its entirety. I still had a negative balance from the XXXX  fraud chart. So when my refund came it was not a full refund because it paid the overdraft. I asked for my {$240.00} because it had nothing to do with me. XXXX said no I need to use the refund to replace that money. Which is insane. The money was so low because it had to pay for the unauthorized transaction. I want my money back from my other account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: AR

Complaint narrative:
Received calls from asgrecovers, XXXX, several times stating I owe a debt, doesnt give any proper information about any he debt. I do not have any outstanding debts. Their most recent phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I contacted the company reporting the XXXX collections advising they were in correct I contacted XXXX XXXX XXXX who supposedly reported the collection and they confirmed I had a XXXX balance and no transactions for the dates they were reporting nothing has been done to my satisfaction and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: NJ

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 : 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