vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: FL

Complaint narrative:
Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.I contacted the collection agency during XXXX and XXXX for all these closed accounts 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 Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have 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 other 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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my Experian, XXXX and Experian account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.

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 2023-08-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The XXXX XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The XXXX XXXX  said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: CA

Complaint narrative:
I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

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

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted the credit bureaus numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card as well. Those inaccurate names still have not been deleted per my request. 

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

Inaccurate names to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I received a notice prior to foreclosure from Shellpoint Mortgage Servicing, dated XX/XX/XXXX. The notice states I am two payments behind, each approximately $ XXXXThere is also a " XXXX XXXX XXXX '' of {$3200.00} on the notice. This charge does not appear elsewhere on my statement, and Shellpoint has failed to provide a written explanation of this charge despite multiple requests. Furthermore, this is a VA loan, and foreclosure is not allowed to begin until the loan is 90 days past due. According to my most recent statement from Shellpoint, I am not 90 days past due. 
When I was granted a deferral from Shellpoint they did not send me any sort of confirmation paperwork. This lapse in communication is why I missed those payments. Since the loan is less than 90 days past due, I wish to discuss a payment plan to resolve those two payments. However, I dispute the {$3200.00} " XXXX XXXX XXXX ''. Shellpoint has also failed to send the required loss mitigation packet, for a VA loan that would be the loss mitigation packet specific to VA backed mortgages. 
I have also requested reasonable XXXX accommodations from Shellpoint, in that any communication regarding this loan be in writing. On XXXX XXXX XXXX I requested via email to XXXX XXXX, the XXXX person assigned to my loan that communication be via email, and that Shellpoint suspend calls. This request was also made verbally several times both before and after. This request was not honored by Shellpoint, and they have continued to place calls to my personal phone as recently as XX/XX/XXXX. The correspondence I have received from Shellpoint says that I will need to call their number, which is not feasible, and they have provided none of the accommodations requested. 
Despite the previous foreclosure being withdrawn, Shellpoint is still reporting to the public that my home may be a distressed property. This has drawn unwanted attention from several people, one of whom, who gave his name as " XXXX '' and said he was working " for the mortgage company '' showed up on my porch and refused to leave when asked. He was very belligerent, and threatened to break down my door and XXXX XXXX  me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus

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 2023-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I posted my resume to several online remote jobs. I received an interview appointment by going to https : XXXX Reference Code : XXXX. A person posing as XXXX XXXX XXXX hired me and then had me fill out employment forms, which included a picture of my FL driver 's license, copy of my social security card, and a self-picture for an employee ID. I sent them to XXXX. In order to set up a home office, I made XXXX XXXX payments ( XXXX x {$500.00} ) via my debit card to XXXX XXXX ( XXXX ) XXXX for home office equipment. Then, I purchased ( XXXX x {$500.00} ) XXXX XXXX XXXX and then another {$400.00} worth of XXXX XXXX XXXX. All of these purchases were made using my Chase XXXX card. During this time, I communicated with a person posing as XXXX XXXX ( XXXX ) and a person posing as XXXX XXXX XXXX ( XXXX ). The additional emails for XXXX XXXX via XXXX teams were : XXXX and for XXXX XXXX XXXX via XXXX teams was : XXXX. There was also a person named XXXX XXXX who sent me an email via XXXX and then asked me to respond to XXXX. In total, I am out {$3400.00} and Chase has denied helping me with a return of these funds to my checking account. I have their letter indicating their decision, that is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently opened a mortgage loan on an investment property which SHOULD'VE been under my XXXX 's credit report and not my own. My XXXX  is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my XXXX when we signed the loan documents. Before signing documents, I confirmed with my loan XXXX that I was only signing on the XXXX 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the XXXX is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the XXXX to show that I have the right to act as the signer on the XXXX 's behalf, and the loan disclosure and documents which shows that the XXXX is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the XXXX. They do not allow the XXXX  entities to be the official signer of documents.

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 2023-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered a couch and ottoman from Wayfair in XX/XX/2021. I got a Wayfair credit card only because of their 0 % interest promotion ( which they're still advertising https : /XXXX ). I set my account on autopay, which has been in place since the beginning. When I logged in to pay off the balance before the XXXX year XXXX interest period ended, I realized they never applied the 0 % interest promotion to my account at all. They had been charging me over 30 % interest the whole time. I called to have them fix their error and they said because I didn't alert them within 60 days, there's nothing they can do. 

First of all, it's THEIR error, not mine. Therefore, their responsibility to catch, not mine. In fact, I don't believe it was an error at all. I think they do this as common practice to everyone who gets a credit card from them and unless the customer catches the interest charge, they do not apply the promotion.

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 2023-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX, suffered identity theft with my credit. My credit has suffered tampered inquiries that I did not do. I contacted all 3 credit bureaus, XXXX and XXXX have complied. Equifax did not want to help me. I contacted local law enforcement, I received a police report. I received as well an affidavit of my declaration which was notarized by the state of Florida by a police official as well. I have submitted all my supporting documents to this credit bureau and they are yet to comply. I spoke with Rife, employee ID # XXXX on XX/XX/XXXX at XXXXXXXX XXXX. This supervisor did not want to assist me neither, according to my rights they should be able to submit a dispute to have that removed, and they will not assist. I need my inquiries removed from my account. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX best used Inquiry date : XX/XX/XXXX These are the inquiries I need deleted immediately that are Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: TX

Complaint narrative:
My Complaint about the Key Bank Complain subject : Property insurance Inception : XX/XX/XXXX Entity name : XXXX XXXX XXXX XXXX There was property insurance in effect from the XX/XX/XXXX. 
However, the bank claims that the insurance we placed is not according to requirements after XXXX renewal. Our insurance remained the same. 
Bank had put lender placed insurance without informing us and had been collecting premiums from the bank through ACH which I didnt catch till later. 
The normal method of notification is through XXXX, I was never informed of the inadequacy of the Insurance and the Banks intention of placing insurance and after they placed the insurance. 
( I wanted to prove my understanding that the Bank informed any issue they deemed important through XXXX  by stopping payment. As expected I received a XXXX letter within seven days. ) So, I carried two sets of insurance for the last year and they still refuse to remove lender placed insurance after we satisfied all their requirements. I am carrying two sets of insurance as now and did so last year too. 
We enquired as to what is not covered, but the information come in pieces and the bank was never satisfied with what we provided. 
So we asked the bank to provide the full policy document for the insurance they placed. But they refuse to give us the document. The bank wants us to provide the certificate, full policy document and payment receipts, but refuse to reciprocate. 
I am at my wits end as they simply keep taking funds through ACH and I have no control. They claim they placed insurance but refuse to give any proof. 
So, I need to get refunds of all the bank placed policies as we had insurance in place to cover the whole period. If the coverage is lacking, I need proof of their coverage and specific costs and costs just to cover what was lacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: KS

Complaint narrative:
I opened a account with US Bank. Had several deposits made into the account. Then after about a week they froze the account disconnected my debit card without reason. Went to the Branch verified my identification after several attempts still was not able to access my money. Spoke to a manager said that they would fix it still was not able to access my money. For over two months almost 3 I have not been able to access {$1600.00} of my money. No one will give me a just reason and I have asked for the release of my money several times including going in person to pick up a cashiers check that I was denied. Due to this I have now had been charged massive amounts of late fees and been late on all my bills including my rent and I am losing my home. And still have not received my funds.

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 2023-08-06 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
on or about XX/XX/XXXX I placed an order for some curling irons, via my XXXX XXXX XXXX XXXX, XXXX XXXX, order was placed over the phone, & my XXXX XXXX XXXX XXXX, was used to pay for this order. Invoice XXXX was created. On XX/XX/XXXX I received some of the items I order, along with the invoice for what was shipped out. Invoice reads total amount charged to the card {$140.00}. 

I went online for Comenity Capital Bank, to make said payment. However, the total amount Comenity Capital Bank billed for this invoice on the statement {$140.00}. 
I called in multiple times and spent more than 4 hours total being transferred all over the place. I have been advised someone would call me back, no one ever has. On XX/XX/XXXX XXXX in Purchasing said it was interest. But I have never held a balance, always pay immediately. Then he advised it's customer service, and wanted too transfer me back to them. I just spent 2 hours with them and they transferred me to Purchasing. 

On XX/XX/XXXX I purchased items with a total of {$180.00}. But when I get my statement I have to pay {$180.00} else. Not {$180.00}. 

Today XX/XX/XXXXXXXX  My credit score dropped by 10 points because my debt increased. Comenity Capital Bank reported that I carried over a balance, and charged me {$2.00} interest on the {$1.00} they over charged my on my XX/XX/XXXX purchase. 
If I would have used nay other card that day, the sale would have been over & done. XXXX would have received their {$140.00} for the items I received. 

If Comenity Capital Bank rounds up purchases by a XXXX and we pay it, think of all the free money they get. That worked for them in XXXX. So for XXXX they try to get an extra {$1.00} with no explanation, no rhyme or reason. It's stealing and hoping no one notices.

Company response to consumer: Closed with monetary relief