vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 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 non-monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX - Transfer of {$10000.00} rejected by Chase from XXXX XXXX XXXX ( I am the owner of both accounts ) XXXX - called customer service rep, told me Fraud team rejected it, fine verified the identity together with XXXX XXXXXXXX XXXX Chase told me to try to transfer $ XXXX again and rep said she put the notes to not reject it as she verified I am the owner on the account XXXX - Chase again rejected the transfer and locked me out XXXX - I called Chase again, rep told me Fraud team rejected it, and the rep said don't know why. While restoring online access, the Rep deleted the external account I have to have the money in the bank account for a payment XXXX - what can I do now? Why is the Fraud team NOT READING the notes?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
When applying for a line of credit through kay XXXX via comenity bank, I was reportedly declined because of the following : -High average credit limit or loan amount on revolving/real property trades or credit balance to limit ratio on revolving trades -Low level of authentication indicative of first party fraud or ID fraud -Recently opened revolving trade or limited history on revolving trade The report also said my behavioral risk score was XXXX as of XX/XX/XXXX of 2022, Im assuming because of the previous list. 

None of this sounds familiar to me. I received this information in a notice mailed to me later after the initial application. 

I was also unable to create certain accounts being told that my information doesnt match/lineup when attempting to check into this using sites such as XXXX XXXX etc I have been trying to get in touch with comenity or kay, but every time I do, I either get put on hold forover, theyre closed, or I get told I need to have an account for them to actually help me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. XXXX inquiry dated XXXX .Please remove these inaccurate inquiries off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name XXXX Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter

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 2023-01-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -BRCLYSBANKDE Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter

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 2023-01-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have an account with Navy Federal and I did not give them permission to report my account to the XXXX Credit Bureaus... There is no sign documentation stating otherwise...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: CO

Complaint narrative:
I originally sent Experian a letter in XX/XX/2022 to investigate and update information that is being inaccurately reported on my credit report on XXXX XXXX XXXX  I sent a follow up letter because I didnt receive any response nor were any of these accounts notated as being in dispute. 

I sent another follow up letter in XX/XX/2022 because they only corrected 3 of the 7 accounts. All the accounts are reporting the same and they are ALL WORNG. SO they ALL should have been updated They are reporting on these accounts an inaccurate payment status. 
2 of the accounts are closed and they are reporting a derogatory payment status. 2 of the accounts are open and current, 1 is a dept of education student loan that is in deferment so not only are they violating FCRA, they are blatantly disregarding FEDERAL LAW.

Ive included 4 of the accounts copy of the credit report with the information that is being reported by THEM NOT THE CREDITOR inaccurately. 

I will not accept any response stating that the creditor has verified its reporting accuretly, IT IS NOT THE CREDITOR that Is reporting it wrong EXPERIAN is reporting WRONG. 

I also included all three letters that were sent to them.

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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This complaint is in regard to a collection letter mailed by XXXX XXXX XXXX, LLC to collect a debt owed by my deceased mother, XXXX XXXX XXXX. Two of my mother 's creditors used XXXX XXXX XXXX, XXXX to collect outstanding account balances. As the Administrator of the estate, I wrote letters to the creditors to the best of my ability to inform them of the death. I provided a death certificate for documentation purposes. Before I was able to settle the outstanding balances, XXXX XXXX XXXX, XXXX sent a letter to the Estate of XXXX XXXX. Sheets to an address that is not related to any of her accounts in any way. The letter was requesting information regarding the administration of the estate. I am filing this complaint because I do not understand why XXXX XXXX XXXX, XXXX felt that it was necessary to send a collections advice to a random address. I believe that this predatory collection agency searched for the same last name in the same city, state, zip code as a fishing expedition. This is very offensive to my mother 's memory.

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 2023-01-03 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: FL

Complaint narrative:
In XX/XX/2020 I lost my wallet and all of its contents inside of a bar in XXXX FL. I filed a police report and closed all of my accounts, I also had to replace my credit cards and state issued drivers license. Somehow my mobile was also hacked and passwords were breached. Ever since I have been dealing with identity theft. Under the Fair Credit Reporting act 15 usc 1681 furnishers must investigate disputes received from credit reporting agencies and shall correct them. At this time I am exercising my rights under the FCRA to have all fraudulent accounts listed blocked and deleted 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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had XXXX XXXX at XXXX XXXX  for my nephew XXXX XXXX Three days service XXXX  was exactly the same in all aspects Room Charge for Day 1, XXXX XXXX Day 2, XXXX Day 3, XXXX XXXX XXXX Thus I am due for refund  XXXX for Day 1 room overcharge Medical Supplies : Day 1, XXXX Day 2, XXXX Day 3 XXXX, thus I was overcharged XXXX XXXX for 2 days equal to XXXX XXXX Total credit due is XXXX plus XXXX XXXX which equals XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I am a XXXX XXXX XXXX who is trying to get my loan payments certified for XXXX through Mohela. I have been calling them for the past 4 months to only be told we have received it but it takes 90 days to process. I have called back many times and they keep telling me they have received my application and my employer qualifies as I work in XXXX XXXX. 
I feel that my PSLF is never going to be processed and that they will not count al of my payments that qualify since they are refusing to even look at my paperwork not have they even brought over my loans which they said will happen in order to count my payments. They make you wait for hours on the phone never answering the line and when they do answer you get someone who can never give you any information as they say that they don't have the ability to answer your questions. 
In addition when you go online to check you account there is nothing there for you to check as all you get is a screen that says your account is in good standing and that more information can't be provided to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

Complaint narrative:
XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.

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 2023-01-03 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: NY

Complaint narrative:
XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.

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 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS XXXX, TRANSUNION AND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2023-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS XXXX, XXXX AND EQUIFAX. 
TXXXX 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 EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
Hello, The collection agency Waypoint Resource Group located at XXXX XXXX XXXX XXXX XXXX, TX XXXX reported a {$470.00} debt on my credit XX/XX/22. I never received any correspondence from this collection agency prior to the debt being reported on my credit. On XX/XX/22 I sent a certified mail debt validation request letter to the collection agency. The letter was delivered and given to an individual at the collection agency XX/XX/22 per XXXX tracking number. It has been almost XXXX months since I have not received a response back from the collection agency in regards to my debt validation request letter.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from Ally Bank noticing me that Ally Bank ( they ) will be closing my account on or about XXXX XXXX, XXXX. The letter did not specify a reason while citing their right of closing any account at any time for any reason from the Desposit Agreement ( ally.com/da ). However, by closing my account on XXXX XXXX, XXXX, Ally Bank will be avoiding fulfilling a promotional offer ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) where they are obligated to deposit the bonus to my account on or by XXXX XXXX, XXXX. 

I have reached to Ally Bank customer service and they refused to provide a solution or fulfill the promotional offer terms. A reason I received from them is that they sent a letter to me on XXXX. XXXX, XXXX asking me to stop certain buying group activities otherwise they will close my account. However, despite it's questionable whether those certain use of my account is outside of their scope of service, I have stopped such use of my account since I received the letter.

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 2023-01-03 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: NC

Complaint narrative:
Under unfair practices, 15 U.S.C. 1692f it states that debt collectors may not Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business. 

On the letter I received was a symbol for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Anyone can read my letter and see that there is an attempt to collect a debt on me and that is extremely embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation