vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX 's " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX XXXX account for over 6 months while XXXX XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/2024 via CFPB case # XXXX, & then mysteriously on XX/XX/2024, XXXX XXXX charged off the account which lead me to believe that XXXX XXXXXXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.

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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
synchrony bank unilaterally decided to close my paypal mastercard. they provided no reason other than to say " they found my spending and payments suspicious ''. this despite having the cards for years, always paying my balance in full each and every month, and making valid purchases and payments regularly and often. the generic closure letter was a violation of due process. 

despite my disagreement with the closure of the card, they refused to reinstate me. the card had also accrued over {$300.00} in cash back rewards at time of closure and synchrony bank REFUSED to send me a check for the {$300.00} cash that i earned. they refused to transfer the {$300.00} to my paypal balance. I earned the {$300.00} for legitimate purchases and on time payments. Synchrony has no basis to withhold rightfully acrued cash back for a customer and should release them to me at once.

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 2024-09-08 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I just recently looked at my credit report XX/XX/2024, I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Count # XXXX ). This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union is unlawfully reporting derogatory information for XXXX XXXX XXXX {$2500.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. Trans Union and XXXX XXXX XXXX has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please provide the documentation that DEPT OF EDUCATION provided stating I was late making the payment. All payments were autopay and never 10 days past due to report.

According to 15USCCODE1681b and 1681c2 to report this account you must have proof of me making a payment late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please provide the documentation that DEPT OF EDUCATION provided stating I was late making the payment. All payments were autopay and never 10 days past due to report.

According to 15USCCODE1681b and 1681c2 to report this account you must have proof of me making a payment late.

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 2024-09-08 00:00:00
Product: Credit reporting 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent in letters asking for a Proper reinvestigation, from previously disputed letters earlier asking for a proper debt validation and verification letter and they have only sent back a credit report stating that the debt has been verified and updated. 
This Dispute is against XXXX XXXX XXXX XXXX  Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law. 
2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act. 
4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.

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 2024-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Consumer Adjustment Company has purchased or been assigned an false/alleged debt without my expressed written consent, and has furnished negative account information to XXXX XXXX XXXX XXXX, and XXXX, causing damage to my personal credit score, name, and character. I am seeking redress to have the entire account deleted from all of my credit reports and to cease and desist all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently discovered that my identity has been compromised, leading to the fraudulent creation of seven accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 

I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: WA

Complaint narrative:
I don't understand why CFPB continues to mark my complaint as duplicate. Wise has never provided me information on reversals they made whatsoever. By law they have to provide the details of what reversals were made if they decline to refund me the balance after closing my account. I have reasons to assume that no reversals were made as none of my clients confirmed that Wise reversed any payments after closing my account. So I suggest Wise either providing tangible proof with dates, amounts, and the names of the payments that were reversed, or I inquire to refund all the balance that was confirmed on the date of account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cashapp refuses to refund a scammer who i sent money to who didnt perform job services!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from..

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 2024-09-08 00:00:00
Product: Credit reporting 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
60 days ago I sent a request for this company to update and remove inaccurate information from my credit report. I sent 2 forms of ID, and a list of inaccurate information listed on my report. 

This company responded by saying they would not investigate. 

They are violating my rights as a consumer and now that it has been 60 days since my initial response, this company has neglected to act on my behalf to make my profile on their servers correct. 

I intend to file a complaint with my local court house if this is not corrected promptly. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of the XXXX XXXX DATA BREACH and my informayion was used this debt is not mine and I have no actual contract please remove debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. Capital One admits to having no physical or electronic signature and admits that is only Capital One 's " belief '' that the account was created by me. Capital One has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, Capital One continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the Capital One account for over 6 months while Capital One was attempting to collect so I asked Capital One for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, Capital One charged off the account which lead me to believe that Capital One was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. Capital One need cease & desist, remove all derogatory marks & publishing ( XXXX ) of account on my credit report especially with XXXX credit reporting. XXXX claims the information is not on my credit report yet XXXX is the only company continually reporting the info for which I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
There is an account on my credit report, I have never done business with this company and they are now attempting to collect an alleged {$570.00} I have no contract with this company please remove this item from my consumer report RASH CURTIS & ASSOCIATES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I have inquiries I did not authorize on my credit report 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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied to Chase credit card and received in the mail about identity theft. I have since called chase customer service, went into branch to send in documents including my id and ssn and called and followed up with security department at chase credit card. Each time, they can not verify my identity and the chase system seems to be unable to send me a text. However, the phone number is my own, and all the information I submitted are my own. The chase verification questions when the text does not work is completely irrelevant to me. I think the Chase fraud detection is mistreating my profile and resulting in Chase unable to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a former bankruptcy on my credit report I asked them to provide that the Experian to provide the reporting status from the US Bankruptcy Court XXXX. According to the Court them don't report Bankruptcy therefore I need Experian to provide documentation from the courts. In real time writing.

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 2024-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On or about XXXX XX/XX/XXXX, the following unfair or deceptive act occurred : PHH Mortgage Services has refused to automatically terminate Private Mortgage Insurance as outlined by the Federal Law and Private Mortgage Insurance Disclosure signed by me on XXXX XX/XX/XXXX. 

As stated in our agreement as described by Private Mortgage Insurance Disclosure Fixed Rate Mortgage as follows : " AUTOMATIC TERMINATION OF PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. '' Please note my principal balance as of XXXX XX/XX/XXXX is XXXX XXXX ( mortgage balance : {$630000.00}, original house price : {$820000.00} ). 

As a result of this unfair or deceptive act or practice, I suffered loss of money as follows : PMI monthly payment- {$220.00} starting from XXXXXXXX XXXX XXXX monthly.

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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
ACCOUNT # XXXX Can you tell me who the original creditor is? I dont recognize this account, and Im not agreeing to it. I mean, would you agree to this?

Company response to consumer: Closed with explanation