vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
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 the 15 USC 1681. 
Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
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 the 15 USC 1681. 
Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: CL Holdings LLC
State: MD

Complaint narrative:
Debt was charged off by the company XXXX XXXX in XX/XX/XXXX. Without my knowledge debt was re-opened by Jefferson Capital SYST in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, Jefferson reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with Jefferson Capital SYST that I opened. This action has caused my credit score to drop XXXX points in one week! This action is not legal! I demand it be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I reached out to get a new card to use as the billing address changed. The company notified me that they wouldn't issue a new card because they closed my account. However, there has been XXXX notice that the account was canceled. They stated that they canceled the account due to returned checks, however, this was an accounting error on their end by an account I never added to the profile. So I personally never sent a bad check. I also paid off the account so there should be no reason to cancel. I also don't have a poor payment history with the company. At this point, I do not wish to continue business with their credit agency, however, I do want to make it known that this company canceled my account with no notice to me over an error on their part. I hope future consumers are protected from this type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
Not only have I tried multiple times to reach out to XXXX XXXX XXXX and Experian, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score. 
This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # 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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IN

Complaint narrative:
I took a XXXX mortgage 3 years ago with XXXX XXXX XXXX XXXX XXXX for the property at XXXX XXXX XXXX, XXXX IN XXXX. My monthly payment including principle, interest and escrow was {$620.00} per month. I paid via auto payment without delay every month till XX/XX/2023. XXXX XXXX XXXX decided to change service providers as of XX/XX/2023. 

The new servicer - Dovenmuehle Mortgage , Inc. NMLS ID XXXX has doubled the monthly payment to {$1100.00} claiming that I have escrow debt but can not provide any proof to this debt and sending me to the previous servicer. 

I can not afford this payment and tried to clarify with the new servicer, however, if I am forced to pay this amount I will not be able to pay it and will end up losing my house. 

PLEASE HELP. The new servicer phone number is XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: CA

Complaint narrative:
I loaded XXXX on my transactXXXX  card for my hotel room payment, I tried to activate my card they say that they couldn't verify my identity, then I tried other ways cause I am an single father with XXXX kids and I couldn't use my card and was left in the streets cause they kept playing on the phone when I would call

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 2023-04-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
my rights have been violated by XXXX, XXXX, and Experian on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX  XXXX, debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.

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 2023-04-26 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express card was maxed out during my divorce. I tried to pay it down and felt that wasn't getting anywhere with the high-interest rate. I called American Express to close the account and I also asked if they had any payment plans to pay down the remaining balance and ultimately settle the debt. 

They said at the time that they do not offer any payment plans and that as long as the debt is in place, I will be charged late fees, accumulating interest, and my credit would be hit with rolling lates every month until the debt is paid. I was unable to afford the very high principal and interest payments and accumulating late fees. 

In 2022 they called me and said they now offer a solution to make the debt owed right to them. We set up an automatic payment plan of {$230.00} per month until the settlement amount of {$8500.00} is settled over the course of 36 months. I have made 12 months of continuous pavments and have been in good standing with them. Once I have made all the payments, I will have the derogatory remarks removed from my credit. 

However the issue Im having and was completely unaware of until I tried applying for a VA loan to purchase my first home is that even during the settlement agreement and making my payment of {$230.00} every month on time, my credit is still being destroyed with rolling lates and derogatory remarks. 

This is resulting in me as a U.S. XXXX XXXX Service Member unable to work with lenders and purchase a home. I dont understand how Im paying them back the money owed on the agreement they established with me and still my credit score is being hit every month with rolling lates for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX  Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were 7 years old in Texas. I can not get Equifax to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to XXXX XXXX XXXX and XXXX XXXX XXXX to validate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
XXXX, ( 3 ) Mortgage Options Pending Your Review .I did not authorize a mortgage lender to look at my credit

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had a fraud issue on my business checking account. In XX/XX/2022 I wrote a check from PNC Bank of amount {$1000.00} to pay car loan, but this check was stolen, altered to another name for {$4000.00} and withdrawal by somebody from my checking account. I contacted to PNC Bank, reported a Fraud. They sent me a letter dated XXXX XXXX! with time frame regarding the proofs, but I received a letter XXXX XXXX! I send all proofs by XXXX. Finally I received a letter from them dated XXXX that said they denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My friend sent me a link to sign up for a credit card, capital one quick Silver where you get a {$200.00} bonus after spending {$500.00}. I called the CC to confirm the offer about 1.5weeks ago. I spent $ XXXX and the CC didn't give me the {$200.00} bonus. I called the CC company and they said that I don't have the promotion on my account and that the representative that I spoke to the previous time gave me incorrect information. I asked to close the account after this bad interaction with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: WI

Complaint narrative:
This account has violated regulations by providing misleading and false information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Vehicle 's that have gone through Court to have me removed from them- are still showing up on my credit- when I was told by a Judge that all 3 of the vehicles that I was on with XXXX XXXX XXXX have been removed- due to Fraud committed by Him with his company-

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Not only have I tried multiple times to reach out to XXXX XXXX XXXX and XXXX, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score.

This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX  XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # 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 2023-04-26 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: TX

Complaint narrative:
Not only have I tried multiple times to reach out to XXXX XXXX XXXX and XXXX, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score. 
This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with Possible XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
All the attorney foreclosure fees need to be removed since there was already an agreement with me and the bank about the past due amount and I was just waiting for the paper work from the bank The agreement was done in XX/XX/XXXX and to my surprise on XX/XX/XXXX I received the paperwork from the attorney at that time I contacted chase and chase told me no to worry that there was already an agreement so disregard that, I even went further and contacted the attorney to let him know there was already an agreement ( see attached ) I emailed him. That same day. 
Never received a response from the attorney and I trusted chase to disregard and also I was told no attorney fees will be incurred cause they will notified the attorney right away. 
That would be between the attorney and chase but they charged me for their mistake in communication and possibly chase didnt informe the attorney on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
I had an XX/XX/XXXX loan back in XXXX. I did a loan modification and the 20 % loan in the amount of $ XXXX went away around XXXX. In XXXX I tried to work with the debt collector Dyck-Oneal, Inc as this debt was very old and I no longer owed it. I had to sell my home in XXXX and they had a lien on my property for $ XXXX. They took my money from the sale of my home. How did it go from $ XXXX to XXXX. This left me in major financial bind. I called Dyck-Oneal crying and they didn't care. I wasn't able to complete the sale of my house until they got the money. This was a great rip off, it wasn't fair and I would like you all to look into this so I can get my money back. I am a XXXX XXXX and I did some research and found out that many of us were treated the same way, today the CFPB did a press release also talking about the same thing! My family and I were treated so unfairly and this was simply a money grab for them. Almost like a knife to my throat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
SPRING OAK LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my credit monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$870.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/22. I called XXXX and spoke with a representative to make them aware that I have never had an account with them and please provide accurate address, social, date of birth. The rep couldn't provide me with any accurate information other than the last 4 of my social. My address was not correct nor was my date of birth. I then ask them to remove it from my credit and she stated the couldn't because I owed them and some had cable in my name.

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