vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KEYCORP
State: MI

Complaint narrative:
I am writing to file a formal complaint against KeyBank for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Fund Transfer Act ( EFTA ). My experience with KeyBank has been extremely distressing, characterized by persistent harassment, misrepresentation, negligence, and a failure to comply with federal regulations, all of which have had a detrimental impact on my financial stability and mental well-being. 

Harassment and Abuse ( 15 USC 1692d ( 5 ) ) : I have been subjected to repeated and continuous phone calls from KeyBank or its representatives, amounting to harassment and occurring at inconvenient times.

Misrepresentation of Debt ( 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692e ( 14 ) ) : The alleged debt has been inaccurately presented in character, amount, and legal status. Moreover, the use of misleading names or titles in debt collection efforts has caused confusion.

Failure to Properly Validate Debt ( 15 USC 1692g ( b ) ) : My requests for debt validation have not been met with adequate responses. KeyBank has failed to provide verification of the debt signed under penalties of perjury, essential for ensuring the accuracy and truthfulness of the debt claim. 
Disputes of Electronic Fund Transfers ( 15 USC 1693f ( 3 ) ) : I dispute two transactions that have resulted in the alleged debt. KeyBank has failed to determine whether an error occurred within the legally required 10-day period, and I have not received any correspondence regarding the outcome of this dispute.

Seeking Treble Damages for Recurring Issues ( 15 USC 1693f ( e ) ) : Due to the recurring nature of these issues with KeyBank, including their non-compliance and errors, I intend to seek treble damages. These repeated instances have caused significant distress and inconvenience.

Lack of Evidence for Authorization of Transactions ( 15 USC 1693g ( a ) ) : KeyBank has not provided any evidence, such as a signature, photograph, or fingerprint, to substantiate the authorization of the disputed transactions. This absence of proof casts serious doubt on the validity of these transactions.

Financial Harm ( 15 USC 1693h ( a ) ) : The incorrect handling of my account by KeyBank has led to financial harm, with insufficient funds and incorrect account balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report 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 2024-02-06 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-06 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: GA

Complaint narrative:
The company in question, XXXX XXXX XXXX XXXX and other consumer reporting agencies such as Transunion, XXXX and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7

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 2024-02-06 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: GA

Complaint narrative:
The company in question, XXXX XXXX XXXX XXXX and other consumer reporting agencies such as XXXX, Equifax and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2024-02-06 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX XXXX minute recorded conversation was had by someone in XXXX XXXX XXXX Ally Auto XXXX XXXX 
XXXXPayment arrangements were discussed by a gentleman I spoke to. 
XXXX. XXXX payments ; XXXX {$290.00} on XX/XX/XXXX. the other of {$470.00} on XXXX XXXX. 
XXXX. Car was taken ANYWAY the next morning at XXXXXXXX XXXX XXXX XXXX I applied for XXXX XXXX and waiting on the Governments results. I feel I was misled.

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 2024-02-06 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: EdFinancial Services
State: MA

Complaint narrative:
I had a loan payment on XX/XX/24 for {$250.00}. The money came out of my bank account XX/XX/24. The website updated my accounts but stated inly {$150.00} was paid and updated loans 1 and 2 only. Loans 4 is missing the {$75.00} dollar payment and loan 5 is missing a XXXX dollar payment. I did contact the company on XX/XX/24 via live chat. They told me to wait a few days to update my balance. This is the last payment for the 120 days where the amount would go straight to the principal of loan 5. So now Im collecting interest in an inaccurate amount.

Balance is still not corrected. On XX/XX/24 another payment of {$250.00} was paid with the amount coming out on XX/XX/24. All balances were updated for that payment. The {$100.00} dollar payment from the XX/XX/24 payment has yet to be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card didn't report my phone number to XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I received my XXXX mortgage analysis on XX/XX/XXXX with a refund of {$1000.00} ; however, the new analysis has my mortgage increasing as of XX/XX/XXXX. I contacted AmeriSave on XX/XX/XXXX and was told the analysis was from last year 's payouts to my insurance company and county taxes. I explained they overestimated my taxes last year, which caused the refund. I requested a new analysis be completed and my mortgage be adjusted correctly ; I was informed I would have to wait 45 days from XX/XX/XXXX, due to federal laws. I explained if my monthly payment is based on last year 's number and I received a refund, then someone made an error, and I should not be waiting 45 days for the analysis to be done. I also explained the amount I pay does not have a refund with interest the company has made, so I don't feel I should be getting an increase when last year 's payment created a refund.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and was sent into an anxious spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting Address that's I have not lived at all and employers that I never worked for. I can not be at XXXX addresses at the same time. 

Addressee List ( False information ) 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 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 Employers List ( False information ) NEED XXXX INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I was using XXXX connection in year 2018, I wanted to switch connection so I started looking for options. I went to various shops- XXXX, XXXX etc. I liked the option that XXXX XXXX gave me and I took it. But during the process of checking offers, XXXX people took my application and didn't close it. I never got any sim or connection from them, also they didn't send any invoice to me. But after some time, I got a collection notice from XXXX XXXX for XXXX dollars. 

I thought it to be a scam so I ignored it, I called them once to dispute it, but it also didn't work. Now I had to pay XXXX dollar as settlement amount as it was showing on my credit report, which I was never worried about until now. Now even after making payment for something I never got, it will take 30 days to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I file XXXX complaints with Consumer Financial Protection Bureau case Number XXXX & XXXX. 

Instead of Equifax completing the request or providing the information they sent me a letter requesting that I send them a copy of my Social Security Card and Driver License. 

I refuse to provide Equifax a copy of my Personal information which I am not required by law Under the Fair Credit Act Law. XXXX Equifax had a data breach which affected millions of people there for I do not trust Equifax by send my persona information to God Knows Who. I also was impacted by Equifax data Breach there for I'm demanding the delete the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The same fraudster withdrew money twice even though I reported the fraud for the same person less than a week ago. Bank should block this fraudster after the initial complaint. 

XX/XX/2024 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-02-06 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: GA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission, filed a complaint, contacted the police department, and obtained a police report, which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account number XXXX Account number XXXX REPORTING-Status Open. {$930.00} past due as of XX/XX/2023. STATEMENT REFLECTS PAST DUE OF Pay This Bill : XXXX FIXED RATE LOAN XXXX Bill is past due Your minimum payment includes a past due amount of {$2800.00}. Please make a payment now. 

To avoid additional late fees and further impact to your credit history, you must pay the full minimum due by your next payment date. 
This is an attempt to collect a consumer debt and any information obtained may be used for that purpose.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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