vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and law firm Klima , Peters & Daly , P.A . will not properly verify and validate the alleged debt and they refuse to identify and respond to discrepancies found within statements they sent to me. Moreover, they have been submitting false robo-signed affidavits to the courts. 

The consumer has reason to believe that the affiants and notary public as well as the debt collectors, Klima, Daly & Peters, P.A. and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. are fraudulent and has presented inaccurate documents and false affidavits. Upon my research, I have found that the affiants, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all notaries public in the state of Virginia along with other notaries public that may work for the same company. They create what appears to be false and robo-signed affidavits using the same template that claims they are both Litigation Support Specialists and notaries public by switching roles and witnessing each others signatures which is illegal as they do not have firsthand knowledge of record keeping of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. records as they claim they are employees of an agent or affiliate, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) that does not appear to be a part of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Moreover, I have asked the plaintiff to provide the original signed contract/agreement and to investigate the discrepancy found within the statements sent by the Plaintiff that shows three different accounts under the defendants name and they have failed to do so, as the original contract will reflect the original account. 
The affiant and the notary public claims in other affidavits that they/he/she : Is allegedly a Litigation Support Specialist who claims to be employed by an agent or affiliate XXXX XXXX XXXX XXXXXXXX not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. employee The affiant and his/her partners are all notaries public in the state of Virginia The notary public XXXX XXXX XXXX acts as the affiant in other cases as an employee of XXXX and as a Litigation Support Specialist when on her XXXX profile, she claims to be an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as a Sr. Legal Coordinator. On the fake affidavit that was presented in this case, she is the notary public under the alias XXXX XXXX XXXX. How can she be both the affiant and notary public, then work for two different companies? 
Attached to this complaint are affidavits used in different courts by the same affiants and notaries public who claim to be working for an affiliate or agent of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I have notified other agencies of this discovery as well. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank for the second time has closed an account of mine for a store card WITHOUT notifying me when I've NEVER missed a payment They claim that they took this action based on internal credit formulas. In essence they canceled my account based on a credit score change that they can't prove affects my payments to them and essentially further plummeting my credit score when I'm breaking my back to pay them over other creditors I've had long before them. This is malicious, egregious, unethical, and intentionally spiteful. I was working and saving to get myself back in a vehicle following an auto accident and now my credit will suffer a devastating blow because a company that I never missed a payment to decided to viciously close my account to make their books look good after I've made payments on time to that account to them. I don't trust malicious businesses.

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC-1681 SECTION 602 States i have the right to privacy. 15USC1681 SECTION 604- A SECTION 2 also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC-1666B a creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with navy federal XXXX XXXXXXXX XXXX. There is also a personal loan with XXXX XXXX. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX  that i need off. It was opened XX/XX/XXXX. There is also a dent buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX ( XXXXXXXX XXXX ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on 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 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.

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 2022-10-31 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: FL

Complaint narrative:
In according with the fair credit reporting act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Accounts name XXXX XXXX XXXX  XXXX, accounts name XXXX XXXX XXXX XXXXXXXX, accounts name XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 section 602 a .state I have the right to privacy 15 u.s.c1681 sections 604 a section 2 it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years 15 u.s.c 1681s 2 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was being scammed and didn't know at the time by someone portraying to be my online boyfriend that is a said celebrity. I went to make a transfer with my bank to my at the time online boyfriend and his management company and the bank sent me a notice that the transfer went through but then canceled the transfer and terminated my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for a new line of credit and the company informed me that my credit score had dropped so I logged in to Equifax to check my credit report and I saw that my credit score had dropped tremendously I have paid all my open accounts on time and I didn't open any new line of credit and there is no collections on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: SC

Complaint narrative:
My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My Current Address is : XXXX XXXX XXXX XXXX 
XXXX SC XXXX Sincerely

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 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Increasing mortgage. No past due payments. Little decreases. 

Mortgage XXXX - $ {$1400.00} due XX/XX/2022 Today is Monday XX/XX/2022 2022

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ive noticed my minimum payment increase dramatically, I reached out and received different replies. They range from the rate doesnt go down to the rate increases evethough the balance decreases. I was just told the rates the same as when I opened this account which is false. I asked why would XXXX XXXX, XXXX  and XXXX slow me to file and be granted a rate reduction but they wont allow even a request. 
Unfortunately I feel this lending practice is strange.

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 2022-11-01 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: Conn's, Inc.
State: TX

Complaint narrative:
I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my 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 2022-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Jet Lending Inc.
State: TX

Complaint narrative:
Lender is supposed to help refinance the house. I had already gone through the process and step to refinance the house back in XXXX of XXXX. I told them I wanted to move forward with the process because the value of the house exceeded the previous appraisal value back in XXXX. At the time my credit was XXXX, and another I cant remember. I was told I could get 50 or 60 % of the value. The lenders loan officer were no help on anything I asked of them. I also had money left in escrow. Now they are telling me the house went through foreclosure without notifying me and now they are saying I have to buy the house back

Company response to consumer: Untimely response
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified. 

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX XXXX : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT Metro 2 data field formatted reporting! 

PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 


Sincerely 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 2022-11-01 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: GA

Complaint narrative:
I was affected by this breach when someone used my information in 2018. Transunion created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. I wrote Transunion about the following fraudulent accounts : 1-XXXX XXXXXXXX XXXX I have proved this account information is fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted these companies and told them they are fraudulent accounts. These debts are not mine. These egregious stains on my credit file prevent me from obtaining future student loans. I urge them to remove these items immediately before I am forced to take legal action. They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. However, they are not concerned about lawsuits. They are getting paid more money by these companies when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB and Federal Trade Commission to step up and force XXXX to do the right thing. I look forward to an uneventful resolution of this matter.

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 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation
State: TX

Complaint narrative:
Dont know who the company is never did business with the company.

Company response to consumer: Untimely response