vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account with Comenity Bank for Woman Within, XXXX, and XXXX XXXX accounts, have violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states 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 credit plan as a late for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
in accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to Experian to furnish to the creditors. Experian has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XX/XX/2022 while being XXXX to help with my XXXX XXXX however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.

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 2023-04-05 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:
Fruad Account reporting on my credit reports. 


XXXX. XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems is has reported that I of them {$1200.00} but I have never lived at XXXX XXXX XXXX. I have contacted the property directly to advised them that Its Identity Theft but the property advised me that they cant do anything about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing up on my credit report after I paid the amount of {$220.00} and it was also included in my bankruptcy discharge still it was still showing up. Contacted the agency and was told they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: WA

Complaint narrative:
In late part of XXXX, I was notified by XXXX XXXX XXXX that they had a collections from XXXX in the amount around XXXX. I explained to them that this account is fraudulent due to manipulation of the contract by breaching, and inaccurate amount & reporting the 1st delinquent. Also, consumer was never notified of any remaining balance due during XXXX XXXX period and after until XXXX XXXX XXXX sent a letter in late XXXX. XXXX terminated their alarm services during middle part of XXXX without submitting final billing. Consumer did make satisfactory dispute with XXXX XXXX that remove the collections on my credit report but having difficult time with Experian Credit dispute.

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 2023-04-05 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: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

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 2023-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Having checking account with Chase Manhattan bank regularly paying my Chase Manhattan bank credit card balance from my Chase account. In XXXX similarly arrange on Chase website payment from my Chase checking to my Chase credit card - {$490.00} for XX/XX/2023 having sufficient funds on the checking account funded with my Social Security benefits. Then Chase Manhattan Bank denied the transaction, sending me a letter-attached that recommends to contact my financial institution in order to clear the transaction and providing for my convenience the XXXX number of the institutiion - their own number. My attempt to resolve the issue connecting Chase via phone, and secure messaging did not come to results with cliche responses - " cope and paste '' contact your fiancial insititution to allow the transaction. I believe it is fraud focused on extortion late fee and interest payments to the bank. My majot concern is that if Chase Manhattan bank commting sch frauds what is a status of our banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
Fruad account appearing on credit report. 



XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: SC

Complaint narrative:
For almost ten years, I made payments to XXXX on my student loans for my XXXX degree. My loans were in forbearance while I finished my XXXX XXXX, which I paid for out of pocket as I went. XXXX sold my loan to XXXX. I have served the country ( XXXX XXXX ) and government ( XXXX XXXX XXXX ) for over 30 years and should qualify for service forgiveness, but my loan was sold, an act that was out of my control. When I called the lenders, they told me I'd need to refinance my loan and start over with the ten years of payments. That is unfair, and how do I know that my loans won't be sold again before I pay for ten years. Thanks for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was approved for a XXXX XXXX XXXX XX/XX/2023 was suppose to receive it within 7-10 working days, I never have received the card even though an account has been set up at Synchrony bank XXXX I have tried to contact them to no avail, ( representative could not speak America English to well ). I received an email stating a card was sent out and would recieve it by XX/XX/2023 but I still have not received the card as of todays date, XX/XX/2023. IT is Account ending in : 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 2023-04-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
This company is trying to collect a 15 year old debt that they purchased. I have never had any dealings with them, or made any paymentarrangements. I dont owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone has applied for two credit cards ( XXXX XXXX and XXXX ) without permission.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My son, XXXX XXXX, XXXX, and I are joint account holders of a Chase College Checking account. On XX/XX/2023, I noticed two unauthorized transactions to XXXX XXXX in New Jersey. The first charge was for {$65.00} on XX/XX/2023 and the second was pending on XX/XX/2023 for {$280.00}. I questioned my son, who is a XXXX XXXX in XXXX, NY, about these transactions and he was adamant that he did not make either of these two purchases. Promptly on XX/XX/XXXX, we contacted the Chase claims department to file a dispute for the two transactions. They quickly deactivated the debit card associated with the checking account, issued a replacement debit card and provisionally credited the account for both unauthorized charges totaling {$340.00}. Chase Claim XXXX XXXXXXXX. The replacement debit card was promptly received and activated. We thought that the issue had been settled. Thereafter, on XX/XX/2023, I noticed that the provisional credits for {$65.00} and {$280.00} were reversed. When I contacted the Chase claims department, they explained that their investigation indicated that the charges were not considered to be fraud, as no new devices were used for these transactions and that there was XXXX XXXX recognition. This is completely untrue! My son and I are 100 % adamant that neither of us made these transactions. I asked the customer service representative to re-open the claim, but they refused without me providing them with new information or documentation. When I asked what I can provide to them to show that this was fraud, they could not provide me with an example. When I asked if they can provide me their " proof '' that these were supposedly legitimate transactions, the customer service representative indicated that I would have to take their word that the investigation findings were correct. By the way, we have yet to receive their investigation conclusions in writing. Why can't they provide me with the investigation documentation? Show me the supposed XXXX recognition, show me what device was used. This " investigation '' was conducted by some " back office '' department that can not be reached by phone or by email..This is completely unacceptable! I would like to see the documentation uncovered during their investigation. Ultimately, I would like our {$340.00} credited back to our account since these are fraudulent transactions. It is very known that these fraudsters and hackers are very sophisticated in how they manage to obtain a customer 's information and run rampant on that individual 's accounts. The banking institutions are falling short in protecting the consumer of these cyber crimes, so we have to pay for it? No, unacceptable! Please have them return our {$340.00} as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a bill from XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: The Sayer Law Group, P.C.
State: IA

Complaint narrative:
I got foreclosed on and Sheriff sale was yesterday. I was given a Writ of Removal to be out of my house in 5 days. 
This loan is about 20 yrs old. It was a HELOC loan that was interest only and upon due date I didn't have the {$19000.00} to pay it and they wouldn't refinance or extend it. I didn't have a payment set up so I didn't pay. It was charged off for years then put back in force and the bank files foreclosure. I called the bank and they were happy to set up new payments. I made those payments until they notified me to stop making payments as they were going to sell the loan. The loan seemed to change hands alot and lots of messages to not pay, also during covid. The loan servicer, who is XXXX XXXX servicing XXXX, account # XXXX and in my attempts early on they were not willing to work with me. Also, there has been discrepancies in the amount I owed. The buyer of this loan sent me to foreclosure and I submitted to the courts for a Forbearance and expected to see a new court date that I never got. Got notice of Sheriff sale and tried to get legal counsel but couldn't find anyone. I am current on my first mortgage but second mortgage completed sheriff sale and I got the Writ that afternoon. 

Can you help, I want to save my house. I fell I was not treated correctly and want legal help to get extension or legal help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a XXXX XXXX XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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:
Fraudulent account appearing on credit report. 

XXXX. XXXX XXXX XXXX  {$5600.00}

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 non-monetary relief
Consumer complaint received 2023-04-05 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Curfin Holding Company, Inc
State: IL

Complaint narrative:
This whole contract is fraud and needed void! They violated my consumer rights.. also its alot of things they didnt disclose to me as a creditor greater Chicago finance company , also the car dealer XXXX XXXX XXXX they dealt with I will like this contract voided! I also have them in civil court for a lawsuit! Under all violation codes theyve committed!!

Company response to consumer: Closed with explanation