vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
At the end of XX/XX/, I called to request my JETBLUE BARCLAYS credit card be closed as it was not an actively used card but more importantly i did not want to continue paying an annual fee on a credit card ( JETBLUE BARCLAYS ) credit card wasn't in use. The {$99.00} annual fee far outweighed the benefits i was receiving by keeping the card ( JETBLUE BARCLAYS credit card ). I had a reasonable expectation that my request was completed as requested, therien there would not be any further fees or charges on the mentioned credit card ( JETBLUE BARCLAYS credit card ). I felt confident that i would not have to monitor this card going forward as it would be closed. To my dismay and shock, i received a message saying that i was delinquent due to an annual fee of {$99.00} that was assess on the card, that i requested closed at the end of XX/XX/2023. I made the payment in full ( {$99.00} ) to avoid any negative impacts and called Jetblue in the attempt to resolve the issue. The consequences of the card not being closed as requested has resulted a significant decrease on my previously stellar credit score with an additional 7 year remark on all 3 credit reporting agencies. This has and will cause me a significant financial burden on future financial ventures i am planning.

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 2023-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
These are medical debts and should have been covered through public aide/government insurance. I've disputed this plenty of times and this is the only thing on my report these XXXX companies. I attached screenshots of the companies from XXXX XXXX  and you will see XXXX different scores for some reason and they have changed the name or something because the XXXX is new but I remember seeing these amounts before and I disputed and it was gone but it's back now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-03 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with NFCU when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up 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 2023-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2023 it was brought to my attention that the back office of PNC Bank had closed down my newly formed home equity line of credit, approximately one week after its initial formation.

They then substituted my loan for an alternative product without my consent that changed my rate to variable vs fixed as initially agreed fully two points higher than the product initially issued.

The branch staff were unable to determine how this happened and immediately escalated the issue to three higher level banking officials within their organization and no response has been received to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
They are taking too long to record payments. Currently I sent a payment on XX/XX/17 to pay off the balance and its now XXXX and they have not recorded payment. Its making me late and incurring fees. It was late yesterday so you can see I paid it two weeks early to avoid problems. I am not giving them my bank information to pay thru them. Paying from my bank allows me to keep records in one place.

This should not be happening. Its too easy to deposit checks.

Photo 1 shows last check daye XX/XX/17. Photo 2 shows check still outstanding. Not cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Transunion to reinvestigate these accounts : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with TransUnion regarding XXXX XXXX, it is now XX/XX/XXXX and that dispute is still open I also mailed A certified letter to the company requesting deletion of my credit report since it is not my account, they have not responded. On XX/XX/XXXX I called TransUnion and asked for this account to be deleted since the company never responded to them or myself and the rep hung up the phone. I called again every day since and each time a rep hung up. Yesterday XX/XX/XXXX I called and spoke with a woman gave her the file number and she said she see it has been more than 30days then put me on hold and hung up. I called right back and spoke with XXXX another rep who said the same thing but told me the account was closed so not to worry about it. I expressed I did not care whether it was closed I wanted the account off my credit report he then placed me on hold and hung up. It is now XX/XX/XXXX and this account still sits on my credit report with no update from TransUnion. Well over the 30day mark. File number 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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian now has damaged my credit, they are not telling the truth they are trying to run out the clock they refuse to fix the problem they acknowledge is on there end.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO 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 non-monetary relief
Consumer complaint received 2023-06-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with XXXX when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: VA

Complaint narrative:
I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with XXXX when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have asked Lexius Nexis to update the Bankruptcy information. Lexius Nexis have been sharing this information with XXXX, XXXX, and XXXX  without my consent. I received a letter from the Court stating they did not share this information with Lexius Nexis and XXXX XXXX. This is a violation of my credit report and rights as a consumer. I received a letter from Lexius Nexis stating to contact the court. I have provided proof from the court it is not shared. It has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XXXX XXXX I had filed a complaint with Experian because of the fact that the written off amount was greater than the balance due so I wanted that issue verified with the furnisher if not removed from credit report because of the misrepresentation that it was demonstrating. It ended up coming verified but to my surprise that account now appears duplicate on my credit report with two different balances and written off amounts. 
The first original account that is still present on my report shows a balance of {$8100.00} with a write off of {$8500.00} The added account to my report shows a balance of {$8500.00} and a is written off amount of {$7600.00}. 

I am attaching exhibit A from the month of XXXX  that shows that the duplicate account was not present before, along with Exhibit B stating how that duplicate account appears now on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: ND

Complaint narrative:
Two personal loans were provided to an individual using my name - identity theft. Upstart did not provide an accurate verification process ( proof of address, such as property tax statement or utility bill, proof of employment, such as paystub or 1099 ) and provided individual with ( 2 ) loans in amount of {$19000.00} and {$22000.00}. The loans were provided in XXXX of XXXX and I was notified in XXXX of XXXX they were in default. All 3 credit bureaus were alerted of same and my credit score has decreased dramatically. I have contacted Upstart via telephone, ( 2 ) overnight letters and have filed police report, filed report with FTC and contacted all 3 credit agencies with account freezes in place. Upstart has provided no response. I am now contacting an attorney. I am reporting this company as they are providing loans to individuals identifying as others without a required verification process and this is a violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX, I AM WRITING THIS CLAIM BECAUSE I AM A VICTIM OF FRAUD THEY STOLEN THE PERSONAL INFORMATION FROM MY CHECKING ACCOUNT, TO CARRY OUT FRAUDULENT TRANSACTIONS, THE COMPANY XXXX AND THE COMPANY *XXXX* I HAVE NEVER HAD RELATIONS WITH THESE COMPANIES, SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO DO FRAUD, I NEED HELP TO REOPEN THIS CASE AND VERIFY WELL WHO STOLE MY MONEY AND BE ABLE TO RECOVER IT, AND PUT A STOP OF PAYMENT TO THE COMPANIES THAT HAVE WITHDRAWN FROM MY BANK ACCOUNT...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 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: AL

Complaint narrative:
I keep getting alerts by email, about my credit. I have not applied for any credit with these companies and these inquiries are unauthorized and/or illegal!! My mom has an alert with XXXX, our cellphone company and it alerted us that our email is on the dark web and my name & Social Security number is too due to a data breach! 
I took the time to contact each company separately and neither one could give me any information on where this inquiry came from. The only course of action they gave was to the credit bureaus. However, the credit bureaus are stating I need something in writing from each company, before they can remove the unauthorized inquiries. The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit, insurance, Employment, Court Order. 

Since I have not applied for or done either of these, the unauthorized credit inquiries are related to none of the aforementioned permissible which are as follows : XXXX/XXXX  - XX/XX/23 XXXX XXXX  XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES. 
XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX  XXXX Bankruptcy XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX/XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX/XXXX  Date of Inquiry XX/XX/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 2023-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
The mortgage company has not released funds for the insureds project. They have also not released the funds owed to me. They are holding our funds hostage and making demands i have already complied with. At this point, they are committing tortuous interference and delaying a construction project which is costing the insurance company more money every month this is delayed.

Company response to consumer: Closed with explanation