vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I closed this account in XX/XX/2023 with a balance of {$600.00}. I made a {$200.00} payment at least three times. But the balance keeps going up. I learned last week that the account was not closed and that two different phone numbers had been added to the account. Discover also claims that they did not receive the {$200.00} payment that I made over the phone with them in XXXX. I filed a fraud claim 9 days ago and I was assured that the account was closed. 

I received a letter from Discover today via XXXX mail thanking me for reopening my account. The account is supposed to be under investigation for fraud. Not only did Discover reopen the account they increased the APR to 27.99 %

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
They have called me 47 times in the last 24 days. Most calls are 2 times a day and including weekends. We are currently working with a debt relief program and the program has already been in contact with Barclays to resolve our account yet they continue to call twice a day or more everyday.

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 2023-07-07 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-07-07 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
in Early XXXX I noticed a unauthorized amount an credit card on my XXXX XXXX which I check weekly. I decided to check My XXXX account and I found 3 personal loans and 2 in correct addresses with several other hard inquires that were not mine XXXX was very helpful clearing up all except the personal loans and one address belonging to the fraudulent account. 
I have talked to Affirm XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX twice now the first time XX/XX/XXXX they stated they would clear it up the second time XX/XX/XXXX they could not find the accounts. Affirm has reported to XXXX that the reported the information has been and the information is accurate so they could not clear my report. 
Opened on XX/XX/XXXX {$2800.00} Balance now {$3000.00} Opened on XX/XX/XXXX {$400.00} Balance now {$440.00} Opened on XX/XX/XXXX {$420.00} Balance now {$460.00} address in question not mine never lived their XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
I noticed a debt collection on my credit report in the amount of {$120.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
None of these banks, I bank with or have an account with! I do not recognize signing up for anything! Or someone used my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did not try to receive any credit card or do any increase. Nothing to do with Wells Fargo, please fix this inquiry on my 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 non-monetary relief
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has reported XXXX XXXX to my credit file without my consent. Ive never had any dealing with XXXX XXXX. Transunion has violated the FCRA law 15 USC 1681B rule. I did not give Transunion written consent or permission to report this account to my credit file. Transunion has violated the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I had went to a furniture store one day an had the guy at the desk run my credit to see what I could be able to be approved for and they ran my credit muiltiple times but I left because I wasnt ready to make the purchases and a couple months later I ran my credit and seen that I had a credit collection for the dept of XXXX $ and I never got any furniture from the furniture store so now I dont know what to do to take that dept of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a XXXX XXXX in XXXX XXXXXXXX XXXX.On XX/XX/ I got a ride through XXXX. Two passenger get in my car and robbed my phone they show XXXX XXXX XXXX and asked for a unlocked phone. 
Then they start shoping from my phone and transfer money from my phone through XXXX and XXXX XXXX. and open two cards using my Iden ties. they have used about XXXXXXXX XXXX dollers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, 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 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: AZ

Complaint narrative:
I hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, 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 2023-07-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$610.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company 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 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Carrington Mortgage is in violation of federal regulation on servicing transfer as well as proper oversight of their vendor plus possible other violations describe below. The servicer failed to properly obtain hazard insurance information [ Insurer, agent, policy number ] after acquire servicing from prior servicer. This resulted in Carrington forced place insurance which is extremely expensive. Further more, Carrington outsource monitoring of the insurance status to 3rd party, which is likely related to the seller of the force placed insurance. This created mis-alignment of interest where loan borrowers are income opportunities for both Carrington ( by mean of moving operating expense to their insurance vendor ) and the insurance seller. 

Carrington 's insurance monitoring vendor ( likely the one force placed insurance ) was in receipt ( twice from me and once from my insurance agent ) of proof of insurance, yet they claimed the document was invalid because it came through incomplete. I submitted through their document website twice while my insurance agent sent it via Fax. This practice is at worst intentional ( how can both website and fax be bad?? ) and at best grossly negligent. 

I am pleading with CFPB to investigate this potential pattern of practice putting Carrington customers at harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off American Express credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner.

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: MI

Complaint narrative:
OXXXX XXXX XXXX XXXX I file a dispute with Experian XXXX and XXXX my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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