vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-09 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Data and Contact Management Solutions, LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I received letter from DCM SERVICES LLC stating I owe them a debt. I responded with request to validate said debt and attached a form to be filled out it its entirety and sent back to me ( which they have failed to do ). Statements with my personal and private information is not a contract binding me to the third party debt collector ( DCM SERVICES LLC ). They have sent me false and deceptive forms and infringed on my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
They called me 6 times yesterday from a private number refusing to tell me where they are calling from. Every time I asked who was calling they would either hang up or keep asking me my name. Finally today they were able to tell me who they were. It is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt.

*Proof of ownership with my approval to sell this debt to a third party company *Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney. 

Sincerely, 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 2022-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I paid my Torrid Credit Card balance to XXXX XX/XX/2022, to date the XXXX balance has not been reported to the credit bureaus. I called the company on XX/XX/XXXX to find out why and they told me they had a " system update '' that prevented the account from being reported properly and advised they would do a manual update in 2 days, as of this morning they card is still not reporting a XXXX balance. I've also had another XXXX balance statement generate since payment in full. 

If I was 30 days late, on day XXXX they would PROMPTLY be reporting my delinquency, I expect my payment in full to be reported JUST as promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I was the victim of robbery on the street in which my phone was stolen from my person by 4 individuals. These individuals proceed to access the phone and attempted and successful in some instances to make various transactions from multiple banks, money transfer apps, XXXX and more. These individuals transferred {$2200.00} from my Navy Federal Savings account through the mobile app to accounts they linked through the app that night. They also transferred {$680.00} from my checking account. 

I contacted the police and an investigation is ongoing. Police Report # XXXX Washington, D.C. Metro Police Department XXXX XXXX XXXX. 

I then contacted all my banks, phone company, the whole works about locking accounts and getting issued new banking cards etc. All the other financial institutions either blocked the thief 's from accessing my accounts ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX ). All the linked credit cards that were compromised such as XXXX XXXX and a XXXX charge to XXXX XXXX were all quickly ( within 2-24 hours ) returned back to me and deemed fraud. Navy Federal Credit Union however, returned the {$680.00} back to my checking account considering this fraud but had a separate investigation for the savings account which I spent numerous hours on the phone trying to get updates on my case. 2 months have gone by and I just received a letter from Navy Federal saying they will not be returning the money to savings account and deemed my responsible for the claim. 

I was robbed, police were contacted, banks were contacted immediately. These individuals who I do not know did not know were able to access my bank account without having my password to bank. If they are not returning the money that is ludicrous because they are basically saying my money is not safe with their institution. They also returned my checking account funds which they money was all transferred in at the same time in the same way. I need your help. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been asking for validation on this account to prove that I was ever late, it shows XXXX times, but I never was, I've sent letters asking for validation and proof of said late payments with no response, just keep getting ignored.

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 2022-12-09 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: PA

Complaint narrative:
I reached out to XXXX and Equifax credit agencies regarding this XXXX account. The agencies listed above are reporting inaccurate information as XXXX has deleted the item from my credit report ( please see attachment of letter I received ). XXXX and Equifax were sent a copy of the letter from XXXX asking to remove the account as they are reporting inaccurate information across the board from all 3 different credit agencies. The account has been deleted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
I reached out to Experian and XXXX credit agencies regarding this XXXX account. The agencies listed above are reporting inaccurate information as XXXX has deleted the item from my credit report ( please see attachment of letter I received ). Experian and XXXX were sent a copy of the letter from XXXX asking to remove the account as they are reporting inaccurate information across the board from all 3 different credit agencies. The account has been deleted by 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 2022-12-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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:
There are multiple items on my credit report thats inaccurate I would like to be remove since 2007 until now

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 2022-12-09 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: LEXISNEXIS
State: AZ

Complaint narrative:
CEASE AND DESIST I, XXXX XXXX, Natural person and consumer, am notifying LexisNexis that you are violating 15 usc 1681 and my rights as a federally protected consumer. 
XXXX XXXX and XXXX is reporting a Bankruptcy on a consumer report bearing my name and alleges you, LexisNexis, have validated the Debt and Verified the accuracy of the data. XXXX, and XXXX have refused to cease reporting this inaccurate information more than XXXX times and claim that you validated the information, my information has been frozen with you and I have a confirmation letter from you dated for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and case number XXXX. This means that my information has already been provided to you as far as my identification to validate me and my account and you shouldn't be sharing any information with no XXXX. 
Lexis nexis is the Furnisher. 
Per FCRA Section 623 ( a ) ( 1 ) ( A ) When you provide information to the CRA, You have Obligations under the FCRA to ensure the accuracy of the information you Furnish. As a rule, its illegal to report information that you know to report information that you know or believe its inaccurate. 

Per FCRA section 623 ( a ) ( 1 ) ( C ) You can not, under any circumstances, report information the consumer has told you is inaccurate if it is, In fact, Inaccurate.

Per FCRA 623 ( a ) ( 2 ) ( B ) If you furnish information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, You must promptly notify the CRA and provide corrections or additions.Going forward, you must furnish only the correct information to the CRA. 

As evidenced by your removal of this account from LexisNexis reporting ( after I disputed and made multiple phone calls ), you still have notified the CRAs, Specifically XXXX XXXX AND XXXX that they are illegally reporting. This is a direct, willful violation of 15 USC 1681. 

This is not a dispute. This is a Demand for LEXISNEXIS to comply with federal law and cease infringement on my right to privacy and fair consumer reporting. 
I've been dealing with this harassment for over a year as a result of your illegal actions and it has cost me countless opportunities, my credit, my reputation and put undue hardship and stress on me and my family, you LEXISNEXIS, are civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've sent in documentation to remove fraud alert

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I've tried to remove hard inquiries on my Experian report with no luck.

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Request received from XXXX XXXX XXXX Transaction ID XXXX Note Suspicious transaction of {$500.00} detected. 
If not done by you contact Fraud Investigation team at XXXX ( XXXX ) XXXX to cancel. Service hours ( XXXX ) Details Money request amount {$500.00} Total {$500.00}

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2022 I went to Regions bank to the atm to deposit my check which I received in cash. It was XXXX XXXX I put it into the ATM and it gave me a receipt stating that the transaction did not go through. It kept my cash. 
I called that afternoon and they said it would take around 10 days to get my money back, but to call back the next day. On XX/XX/2022 I called around XXXX and they said I should receive my money in my account today because XXXX would come but to call back after XXXX. Around XXXX I called back and the lady told me it would be around 10 days before my money would be deposited. This is my paycheck, I have bills, children I have to feed. I can not play this game with them.

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 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Consumer USA XXXX Auto loan - My payments is due monthly on the XXXX of the month with my first month being due on XX/XX/XXXX which I paid on XX/XX/XXXX and was allocated at principal of {$640.00} and interest of {$150.00} at a total of {$800.00}. My 2nd payment due on XX/XX/XXXX was paid on XX/XX/XXXX for {$700.00} was allocated at principal of {$510.00} and interest of {$180.00}. I asked them why was I paying more towards the interest than my principal just because I paid my bill early and was told that my interest will start from the date that I pay until the next day that I pay. So if I do not pay my bill until XX/XX/XXXX, which the system is showing as my due date, they told me that I will be paying $ XXXX towards the interest for that month, almost double. I do not think that it is appropriate to take that much of my payment to go towards their interest instead of my principal. I would understand a max of 30 days of interest for a month but to charge me a month and a half towards interest payment just because I paid my bill early, that is just outrageous and completely unfair. Their website shows how their interest works, and how they are telling me that it works is completely different and an outright scam. I want to notify anyone and everyone that can do something about this unjust practice. I have saved screenshots that I can email to show how my payments have been applied and when my due dates are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.

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 2022-12-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank refused to cash a check because I didnt have an account with them. The branch is in XXXX XXXX Louisiana. The check was written by their customer. I had to back to the customer and tell them the bank manager said they cant write checks to anyone that doesnt have a bank account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been asking for validation on this account to prove that I was ever late, it shows XXXX times, but I never was, I've sent letters asking for validation and proof of said late payments with no response, just keep getting ignored.

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 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I sent a domestic wire transfer of {$70000.00} to Binance US. Binance has restricted my account. I have requested a wire transfer recall from XXXX. XXXX has notified Binance of the wire transfer recall to my XXXX checking account ending in XXXX. Binance is not cooperating and is not returning my funds. My {$70000.00} in funds are being held by Binance with no reason. I only want my funds returned to me immediately. Here is the information for the wire transfer to Binance US. 
XXXX XXXX XXXX XXXX XXXX XXXX BAM 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 2022-12-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a XXXX  XXXX bankruptcy reporting on my credit bureau report that does not belong to me. I have made several attempts to reach out to the credit bureaus so they can perform a thorough investigation to remove this error. The credit bureaus have verified the bankruptcy every single time without providing me with any documentation that ties me directly to this erroneous blemish on my report. I contacted the courthouse because that is where the public record should be stored. They responded that they do not share information with the credit bureaus. I am confused as to how the credit bureaus can verify an item without have complete access. I feel that my rights are being violated. Furthermore, this error in reporting is hurting me financially. I am writing your organization today hoping that you can help me in getting the credit bureaus to perform a thorough investigation so that this negative bankruptcy account can be removed for my file.

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