vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity bank took over for the XXXX on an XXXX XXXX card. They made an error in billing. I have called them several times and written multiple times. They do not get back to me. Instead, they bill me interest and late fees. I can prove that I am right, but I can't reach a person at Comenity who would have the authority to change/correct the statements that I receive. I have cancelled my credit card, but the dispute continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 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: TX

Complaint narrative:
On XX/XX/2022 I disputed the above account for all three CRAS including you TransUnion including with the original creditor.According to the FCRA there must be written consent to furnish any information on my credit report. See CFPB Complaint # XXXX for referenced investigation. Please no consent is Identity theft and since my report has person information, sharing my information is an infringement on my rights to privacy. 
Dept. of Ed/XXXX was advised that this information would be no longer reporting this account because it violated internal policies. See Exhibit 1. This is a confirmation sent from to me on XX/XX/2022 verifying that this above account was removed by XXXX. This was removed because it violated my privacy and an act of Identity thief. According to the FCRA if information is removed or block that in fact, should be reported to the other 2 reporting agencies. Dept. of EdXXXX failed to pass this information on and instead they continued to report the above account verified. 
On XXXX XXXX I submitted another complaint see CFPB complaint # XXXX. You TransUnion stated that you opened a reinvestigation and that the above account was verified. Once I requested the steps of the reinvestigation, I was denied the process and never received requested information which is a direct violation of Federal law. A FTC Identity theft Report has been Filed against you TransUnion as the CRA and a FTC Report against Dept. of EdXXXX  ( See Exhibit 2 & Exhibit 3 ) .Considering that this information was removed because it was in direct violation of privacy according to 15 U.S. Code 1681c2. Please revisit Exhibit 1 for verified proof of block.

Attachments -Affidavit of Truth -Exhibit 1 ( Confirmation of blocked/removed Acct ) -Exhibit 2 ( XXXX XXXX XXXX FTC Report ) -Exhibit 3 ( TranUnion FTC Report )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH MORTAGE IS MY SERVICE LOAN I HAVE try to talk to them they never pick up the phone the line sare always busy i been trying to talk to them about XXXX i GAVE APPLY FOR THE GOVERMENT PROGRAM TO COVER THE XXXX PAYMENT I AM BEHIND THEY HAVE ON PURPOSE DELAY THE PROCESS OF RECEIVING THE MONEY FROM XXXX I HAVE spoken with the legal department from XXXX in XXXX and they have confirmed they send the XXXX to phh mortgage they have refuse to accept the money becase they want me to get forclosure on my house, they have denied XXXX modification i applied on 2022 and they have denied forbearence plans they have refuse to work with me the investor wants to accelerate the forclosure process and they have declined to reveice the funds from teh goverment program I got approved, on XX/XX/2022. I need help please this is a predatory lender that want to forclosure on my house and have my XXXX children in the street. they have made several error in the taxes they owne money from a error payment from the XXXX XXXX treasurer, but most importantly they been rude and deniind to call me back wih update status they keep saying they have not receive tghe money wheh XXXX have sent the monjey to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
On or around XX/XX/2022, I had applied for a credit card, and was denied because they said they were unable to verify my Identity. After a long investigation, the bank informed me that on my Lexis Nexus report they pulled when I applied for the credit card shows, that I have 2 social security number. I reached out to Lexis Nexis and spoke to someone on the phone, and she states she could not find such, but she sent me a copy of my report. I have looked and I don't understand how to read the report. On XXXXXXXX XXXX, I re-applied for the same credit card, and was told they could not verify my identity because Lexis Nexus is showing I have XXXX XXXX XXXX XXXX. I need this issue fixed and I can't get anyone at Lexis Nexus to understand and help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2022 my mother transferred {$200.00} into my Key Bank checking account. She unfortunately listed herself as the recipient. Key Bank flagged this as suspicious activity, they did not attempt to reach out or contact me until XX/XX/2022. On this day I received a voicemail from my local Key Bank branch asking to call, but they did not identify the issue, leave their name or number to return the call. No other attempt was made to contact me. 

On XX/XX/XXXX I realized that I was locked out of my online Key Bank account. On that day at XXXX I contacted the central Key Bank number and my local branch, no one could identify what the problem was. On XX/XX/XXXX I spoke with the local branch again and they informed me that Key Bank had closed my account on XX/XX/XXXX due to fraud concerns. The account closure occurred after had contacted both parties on XX/XX/XXXX. On XX/XX/XXXX I spoke with the branch XXXX, XXXX XXXX, who was the first to inform me that the account was closed due to my mother listing herself as the recipient of the funds. She also confirmed that the local branch had only called once and not sent any emails. She then referred me to XXXX as the Key Bank XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX, she ensured me that she would be personally responsible for ensuring that a resolution was found. I provided her with bank statements from my mother and communication she had with her own bank, showing that the listing of her name as the recipient of these funds was a mistake. She estimated about XXXX weeks until she would be able to contact me again. After XXXX weeks I began calling XXXX everyday. As of XX/XX/XXXX, she has not accepted any of my calls and has not responded to any of my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC
State: TN

Complaint narrative:
1.I have never had an account with this company CNAC - XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CNAC - XXXX th

e debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: AP

Complaint narrative:
This is the third time i have been contacted by this particular creditor regarding an account that is not mine and was opened fraudulently. I had no knowledge of these accounts and they have threatened to take legal action. The accounts is question include the same two from before which is a XXXX XXXX account dating back to XXXX for {$650.00} and an XXXX XXXX account dated XX/XX/XXXX for {$3300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: CA

Complaint narrative:
The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX  {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -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 2022-12-29 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: CA

Complaint narrative:
The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - 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  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -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 2022-12-29 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: TN

Complaint narrative:
I got these negative items from unknown companies to show up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TN

Complaint narrative:
I got these negative items from unknown companies to show up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Date and Amount : XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$20000.00} XX/XX/XXXX, {$40000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$30000.00} XX/XX/XXXX, {$13000.00} XX/XX/XXXX, {$22000.00} On XX/XX/XXXX I informed XXXXXXXX XXXX XXXX XXXX XXXX that the wire transfers were fraudulent, XXXXXXXX XXXX  requested return of the funds from JP Morgan Chas but Chase said that they were unable to make contact with the customer. 

I believe a smart and vigilant banker would have frozen the account until the questionable situation was rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I always paid TD Auto Finance by Telephone Pay every month, whatever the total dollar amount the voice machine said to pay. Since XXXX XXXX 5days late, my credit reports have shown late payments. 
XX/XX/XXXX - 4days late XX/XX/XXXX - 1 day late XX/XX/XXXX - 34 days late ... ... ... .16 mos+ late payments are on my credit reports XX/XX/XXXX - 52 days late None of the above is correct, I paid the amount TD Auto Finance phone pay told me to pay. I called and TD Auto Finance, verified by phone and I was correct by paying the dollar amount I was told at the time. TD Auto said I had to dispute with their company and the 3 credit bureaus to correct the negative reporting. I did report to TD Auto Finance and all 3 credit bureaus and nothing changed. This is not fair nor right, I paid every month by phone pay and if I was behind phone pay should of alerted me the correct amount every month to pay so I am not reported late to the 3 credit bureaus. Please make TD Auto Finance repair my credit ASAP to all 3 credit bureaus. I paid monthly and their phone pay shows this, so why am I being penalized for paying monthly by phone pay. My credit has suffered. Remove all negative monthly car payments with TD Auto Finance. Please repair immediately, I only have 2 car payment left. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So I have a Chase secure banking account, and my account is currently reporting a negative {$620.00} balance, which is impossible because the account is set up so that I can never go negative. I have already tried calling Chase to get this situated, but they are not able to get it situated.They are telling me that an XXXX XXXX payment of {$630.00} has been processed on my account, but that is not possible because the transaction was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to Barclays. Barclays has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for XXXX, XXXX and XXXX still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if Barclays disagrees so that additional willful violations can be avoided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
Experian would not let me submit documents throught the Dispute process so I'm submitting them here! Sent email on XXXX XXXX2022 with response saying they couldn't accept it over email. 

Comments for Documents : On or around XX/XX/ 2022 XXXX XXXX XXXX XXXX was sued by XXXX XXXX  XXXX XXXX. For XXXX credit card. The hearing was held on XX/XX/ 2022 in front of the honorable XXXX XXXX XXXX magisterial district judge for this Commonwealth of Pennsylvania small claims court XXXX - XXXX - XXXX in the town of XXXX Pennsylvania. The judge ruled that the plaintiff XXXX XXXX  XXXX XXXX. did not bear the burden of proof to prove that the account was XXXX XXXX XXXX or that XXXX XXXX is legally responsible for the account thus the account must be removed under the judgment of the honorable XXXX XXXX XXXX from the credit report for fair credit reporting act violations and/or identity theft due to them not prevailing in or proving in court that XXXX XXXX owns the account Judge XXXX invalidated the Debt by Judgment Attached on this Email. 

Sincerely, 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