vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint and Dispute Regarding Late Payments and Unlawful and Unconstitutional Forms of Payment Dear Sir/Madam, I am writing to express my concerns and dispute the late payment reports from Western XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. As per the details provided by these institutions, I have been reported for late payments on the following 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 


These late payment reports have negatively affected my credit standing. However, I dispute these charges based on my understanding of the United States Code ( UCC ) 3-501, House Joint Resolution 192 ( HJR-192 ), and the Fair Credit Reporting Act ( 15 USC 1681 ). 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, as per 15 USC 1681, I have the right to dispute the information in my credit report that I believe is inaccurate. I am exercising this right to challenge the late payment reports. 

Additionally, it seems that when taking a loan, this transaction is treated as an investment contract. As such, I request the Consumer Financial Protection Bureau ( CFPB ) to provide me with the 1099-OID form for these transactions. If the money I borrowed was created at the time of the loan being granted, then shouldn't I be seen as the issuer of this money? And if that is the case, how can I owe money when I am the issuer of it? 

I am seeking the CFPB 's help in providing clarity on this complex matter. I believe it's essential for all citizens to understand the nature of our monetary and financial system, including the constitutionality and legality of the forms of payment being used. 

I appreciate your attention to this matter and look forward to your response. 

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 non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I had auto Loan account Loan was for is for {$15000.00} Amount I paid entire loan {$29000.00}. Loan contract was signed on XX/XX/XXXX Original Rate on agreement was XXXX. % for 60 month terms that would have matured in XX/XX/XXXX. Santander bank misrepresented the terms of the Extensions and did not state that my rate would increase. The Respondent misrepresented to me the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C.

I did contact the Executive Complaints office that reopened my account to be settled as I was not informed on the filing of the charge from the Attorney General as they did not send me any information due to not confirming my correct address which i always updated. I was never provided any information on this case and how I was clearly a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I wanted to dispute this on experian it would not let submit all my information .Dispute letter late payments Experian 15 U.S. Code 1681a Definitions : rules of construction [ U.S. Code ] US Law 1 L11 Legal information institute 15 U.S. Code 1681a - Responsibilities of furnisher of information to consumer reporting agencies ( a ) dirty of furnisher of information to provide accurate information.

1 ) Prohibition ( A ) reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) subject to section 1681s- 3 of this title any- ( I ) report containing information solely as to transaction or experience between the consumer and the person making the report : There is says consumer report in general the term consumer report means any written oral or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness credit standing credit capacity character general reputation personal characteristics or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the late payment on Experian not to delete a late payment. I would like Experian to change it to pay as agreed or change it to OK. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address identification number XXXX XXXX residential type apartment geographical code XXXX XXXX XXXX I never resided at this address or lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX See uploads. ID 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a ftc report because i found inaccurate accounts on my credit report and nobody is helping me at all.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a ftc report because i found inaccurate accounts on my credit report and nobody is helping me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
TRANSUNION AND XXXX, AND WHOEVER IS INVOLVED WITH DEFAMING AND UNDERCALCULATING SCORES PUTS AN UNFAIR DISADVANTAGE TO PEOPLE WHO DO NOT HAVE THE HIGHEST EDUCATION OR POSESS GENERATIONAL WEALTH AND IT IS DISCRIMINATORY IN NATURE BECAUSE IT IS INHERENTLY XXXX INFORMATION BY REDUCING SCORES WITH NEARLY 100 POINTS LEAVING PEOPLE WHO NEED BETTER HOUSING, BETTER CREDIT OPTIONS AND THEY ARE JUDGED BY THE HISTORY AS I HAVE A BANKRUPTCY ON FILE, FOR WHICH IS DUE TO BE REMOVED XXXX OF 2024, I SHOULD NOT BE PENALIZED THE SAME AMOUNT OF POINTS AS IF I JUST FILED BANKRUPTCY AND BEING NEAR THE END DATE OF BANKRUPTCY BEING REMOVED, ALSO THE INDIVIDUAL CREDITORS SHOULD NOT BE AN ADDITIONAL IMPACT OR REPORTED ON A CREDIT REPORT WHEN THE BANKRUPTCY IN ITSELF IS ALREADY A POINT AGAINST THE CONSUMER, IT IS DOUBLE SCRUTINIZING THE CONSUMER FOR THE SAME THING, THIS NEEDS TO STOP, INDIVIDUAL CREDITORS WHO HAVE BEEN DISCHARGED SHOULD NO LONGER REFLECT ON THE REPORT, I HAVE FILED DISPUTES WITH TRANSUNION, XXXX THAT THEY SHOULD NOT REPORT DOUBLE NEGATIVES ON SUCH REPORTS AND IN XXXX SCORE. THESE ARE ALL VIOLATIONS IN THE NAME OF XXXX SCORE TO KEEP THE POOR, IMPOVERISHED CLASS IN POVERTY BY REDUCING EQUAL OPPORTUNITIES THAT ARE PROTECTED SUCH AS RACE AND INCOME, AS I AM ALSO A SECTION 8 RECIPIENT FOR SUBSIDIZED HOUSING, THIS PUTS US AT A DISADVANTAGE WHEN WE ARE TRYING TO ELEVATE OUR HIGHER LEARNING AND IMPROVE OUR CREDIT, BUT XXXX SCORE AND ALL CREDIT REPORTING AGENCIES WHO CALCULATE WITH PREJUDICE AND DOMINATING THE RENTAL MARKET LIKE XXXX NEEDS TO STOP, THEY ARE ALL FOCUSED ON THE GENERATIONALLY WEALTHY AND REDUCES OPPORTUNITIES. XXXX SCORE STATES THAT IT GIVES OPPORTUNITIES TO THOSE WHO HAVE NO CREDIT SCORE, BUT IT DEFAMES PEOPLE WHO ARE TRYING TO IMPROVE THEIR SCORE, ONLY TO BE SCORE AT THE BOTTOM, WHEN THEIR HIGHEST SCORE SHOULD BE SHOWCASED ESPECIALLY IN XXXX, ALL CREDIT REPORTING, ANY CALCULATIONS TO DO WITH CREDIT.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. There are several inconsistencies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
closed b.o.a account # XXXX XX/XX/2023 remaining bal XXXX said id have check in XXXX days.waited XXXX days no check. called again said id have check in XXXX  days waited XXXX days no check. tonite was my XXXX phone call cust rep said i have to go to branch office XXXX XXXX hours from me

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 monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint and Dispute Regarding Late Payments and Unlawful and Unconstitutional Forms of Payment Dear Sir/Madam, I am writing to express my concerns and dispute the late payment reports from Western XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. As per the details provided by these institutions, I have been reported for late payments on the following 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 


These late payment reports have negatively affected my credit standing. However, I dispute these charges based on my understanding of the United States Code ( UCC ) 3-501, House Joint Resolution 192 ( HJR-192 ), and the Fair Credit Reporting Act ( 15 USC 1681 ). 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, as per 15 USC 1681, I have the right to dispute the information in my credit report that I believe is inaccurate. I am exercising this right to challenge the late payment reports. 

Additionally, it seems that when taking a loan, this transaction is treated as an investment contract. As such, I request the Consumer Financial Protection Bureau ( CFPB ) to provide me with the 1099-OID form for these transactions. If the money I borrowed was created at the time of the loan being granted, then shouldn't I be seen as the issuer of this money? And if that is the case, how can I owe money when I am the issuer of it? 

I am seeking the CFPB 's help in providing clarity on this complex matter. I believe it's essential for all citizens to understand the nature of our monetary and financial system, including the constitutionality and legality of the forms of payment being used. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have no knowledge or approve this loan called XXXX that's on my account.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
EQUIFAX it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate Equifax has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. All three can't be accurate or correct. FCRA requires you to fix it or delete it. Please send the method of verification after the reinvestigation and an updated consumer report. 

ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Global Lending Services LLC
State: CO

Complaint narrative:
I was denied for the loan from XXXX XXXX and they opened a loan within global lending which i had no knowledge of until i had already started signing paperwork and also was pressured into buying a warranty that i never wanted and also had to put a down payment down which of my knowledge is illegal and violates my rights. also after giving all the paperwork i was harassed into giving them more paperwork and they now want the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXX : {$0.00} ; DEPT OF EDXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} 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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX My first Social Security check for {$970.00} was sent to a closed account at Chase bank, that I closed due to fraud activity on the checking account ending in XXXX. 
Chase bank kept the funds and never refunded me, due to a balance that was from the fraudulent activity. Social Security sent the funds to the wrong account. Chase bank refused to release the funds back to me, knowing I filed with them my account was closed due to this activity. 

On XX/XX/XXXX, Social Security, once again, sent the funds of {$1000.00} to Chase bank, in which they took {$220.00}, from my Social security, stating that, there was a past due balance on the account, and sent me a check for {$830.00}, without any reason for the deduction, and refuse to send me the funds. 

It is my understanding, that Social security is a Proctective payment from any creditors and debt collectors as long you receive them via direct deposit to your bank account. per SSR 79-4 Section 207, 452 ( b ) ,459 and 462 ( f ) ( 42 U.S.C 407,652 ( b ), Levy and Garnishment of Benefits. I never was sued or had a court order for payment of any balances owed to Chase bank. This action came from Chase bank collection department.

I am seeking {$1200.00} to be return to me immediately, and punitive damages of the same amount.

Company response to consumer: Closed with explanation