vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XX/XX/21 $ XXXX original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists.

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.

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 2023-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Sources Recievable Management XX/XX/21 $ XXXX original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.

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 2023-06-15 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: WI

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 confidentially under 15 USC 1681. Convergent Accounts # XXXX ( XXXX XXXX XXXX {$850.00}, XXXX XXXXXXXX {$800.00}, XXXX {$0.00}, Capital {$700.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 the information is inaccurate. I sent serval disputes to these companies and they yet to follow you guys rules and laws. I am ready to take legal actions if I don't get a fair and proper insvestagation or these fraudulent accounts be remove 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 2023-06-15 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: FL

Complaint narrative:
Harassment phone calls. Calling XXXX times a day before due date has even past. Calling from multiple numbers as well. When asked to stop calling me multiple times in a harassing way I was told to pay my bill and it would stop. My due date for my payment wasnt due for another XXXX days! Absolutely a nightmare dealing with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
Calls before XXXX, and after telling them do not call my phone number they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I pulled a copy of my credit report on XX/XX/2023 to make sure that my credit was in good shape before I applied for a loan and that's when I discover a collection agency by the name of Midland Credit Management has reported a past due account of {$790.00}. 

I have never received any communication from this collection agency stating that I owe them nor was I made aware of my rights to dispute. I contacted the credit bureau on XX/XX/2023 and all XXXX ( XXXX, XXXX, XXXX ) came back with " account verified ''. I also sent a debt validation letter to the collection agency ; to which they sent their first piece of communication to me, on XX/XX/2023, enclosed with what looks like copies of XXXX bills from a creditor. 

This agency is in violation of the FDCPA and I'm demanding that they remove this collection from my credit reports. 

According to U.S Code 15 U.S. Code 1692g, the collection agency was supposed to make attempts to contact me before they reported a collection to my credit report. They did not. I've only found out about the alleged debt, when I requested a copy of my credit report prior to submitting a loan application. 
This agency also failed to provide sufficient validation for this debt. Sending XXXX bills from a creditor does not constitute of complete validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
When I opened this card I had incorrect information on my credit report leading to me having extremely high interest. I have since discovered and corrected the error. I have spoken at length with Goldman Sachs employees to see if there is any allowances, processes, etc. To re-pull my credit or otherwise base my APR on my actual credit worthiness. I have continually been contacted by people who refuse to answer my questions or generally do not understand the question, but are happy to tell me there is no possible way to lower the APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: MO

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/26, I received 5 letter 's from JP Morgan Chase, NA, advising that they were going to close 7 of my accounts. When I asked why, I was told that they didn't have to give an explanation because of a clause in the account application that allows the bank to do that. A search for reasons and similar situations on the internet and through personal contacts revealed various reasons for an account closure, but other than the facts of account inactivity, one turned out to be a XXXX XXXX XXXX credit card that had never been used, and 2 that are just old accounts that contain funds, but had no recent transactions. Of the remaining 4 accounts, ( 2 checking / 2 savings ) all are active. There are no red flags that I can see. There haven't been any strange or sudden deposits, withdrawals, or over drafts. Two of the accounts are over XXXX XXXX XXXX, while the other 2 are only about XXXX years. I think that it's important that I be given a reason why they took this action. Without an explanation I'm unable to tell if they are working with accurate information. And without knowing if inaccurate information is being circulated how can I go about getting it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
i bought a house as a va foreclosure in and around XXXX then in XXXX i refinanced it with XXXX who in turn sold it to countrywide mortgage who went bankrupt during the recession of XXXX during all of this transferring through the years i paid my insurance and taxes without an escrow when the loan was originated this was agreed to by all of the transfers. then it was with XXXX XXXX XXXX i paid my taxes and insurance, i dont know what happened but sps servicing ended up servicing my loan. the first thing they do is request and sign me up for escrow against my wishes. i told them by law if at origination of the loan if it was in closing papers that person who has the loan they are not to change this unless you refinance with a new bank or taxes are in arrears. i have been dealing with this for the better part of XXXX years, me and sps are paying the taxes right. i have never missed a mortgage payment or failed to pay my taxes when due. so the past few months sps has been charging me a late fee when i have been paying my rent on time when there should only be a late fee after the XXXX of the month. im sending a file with this complaint and you will see the late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NY

Complaint narrative:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: NY

Complaint narrative:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I purchased a money order for {$600.00} from Western Union at a XXXX XXXX in XXXX XXXX, Texas. It was denied by XXXX XXXX XXXX when I tried to do a mobile deposit, so I tried again with my secondary bank, XXXX, but it was denied again. Then I decided to physically deposit it with XXXX XXXX XXXX and a few days later they contacted me to tell me that it had been denied again. But because of their company policy, they are not able to return the check to me. I am unable to request a refund from XXXX without the original copy of the check. I contacted Western Union directly and they refuse to give me a refund. But neither of my bank claims to be in possession of the funds, therefore the {$600.00} was never taken away from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD AUTO FINANCE it appears that you have turned Acct XXXX on my credit report into a charge off, but I never received the 1099. Can you be so kind to send me a 1099 for this actual item that has charged off due to my financial hardship?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Oportun published my account to the credit bureaus without my written consent. This was back in XXXX of 2022. In accordance with the Fair Credit Reporting act Oportun # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: IL

Complaint narrative:
Global Lending applied for loan was approved but to my knowledge I haven't obtained any car with this loan company and I was notified that I had an account but when I tried to retrieve information about my account i get no information I lost my wallet about a month ago and I canceled my credit cards but my ID was also lost. I noticed that my accounts were being hacked or canceled once I pay amounts I these incidents to credit union as well as company I purchased items so I decided to get A VPN when I checked into my credit union my VPN notified me that my USB no longer was compatible to my XXXX  to my knowledge I don't have A USB and wasn't plugging it into my computer I got this message numerous times then I heard A noise upstairs in another apartment moving around i hear this when I am on my computer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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:
HI 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted several request to update and correct my name and addresses that are on my consumer report. By law nothing should be on my report without that is incorrect or approved be me the consumer. My name is XXXX XXXX XXXX no other name or names should be on my credit profile as they are not correct. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX no other addresses or previous addresses as they are incorrect should be on credit profile. It's the duty of these consumer reporting agencies to provide accurate and exact information with the consumer consent as all this information is my personal information. Please update with XXXX name and XXXX address.

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 2023-06-15 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:
HI 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 2023-06-15 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: SC

Complaint narrative:
I am disputing all of the inaccurate information that I found on my credit report. These accounts are not verified and no method of verification was provided to me. Please remove all inaccuracies because it is a defamation to my reputation.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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