vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: EQUIFAX, INC.

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In XX/XX/XXXX, I called and wrote re : disputed unauthorized charges/purchases and products not delivered to me on a PayPal Account w/Synchrony Bank XXXX The disputed charges were all found in my favor and account closed. In XX/XX/XXXX, I received another bill for the same charges. When I contacted PayPal, was told a new account was opened and the disputed charges were put back on the new account, which was not authorized by me. Again there was an investigation and that account was closed. I was told my credit score would be rectified. Again in XX/XX/XXXX, I received another bill from PayPal. The charges were again on another PayPal Account, which I did not open. I wrote and provided evidence for an investigation. I was not notified of the outcome. Instead in XX/XX/XXXX, I received another bill on a new unauthorized PayPal Account for the previously disputed charges from XXXX, with fees and interest. Within two days of receiving that statement there was a late payment credit report made by PayPal. I am beyond frustrated with this company!

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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: NY

Complaint narrative:
The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: CORELOGIC INC
State: RI

Complaint narrative:
Misusing my credit profile without my authorization and would like it removed from 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 2022-11-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX found out a credit card was opened fraudulently on my name through Bank of America, after reviewing alerts on my XXXX account. My name, DOB and SSN was used to open the fraudulent account. The account was opened XX/XX/XXXX. By XX/XX/XXXX the account had a balance of {$15000.00}. BOA told me on XX/XX/XXXX they put a hold on the credit card account and opened a fraud claim. They are supposed to be sending me an affidavit form to complete and return. BOA advised it could take approximately 30 days to investigate. 

On XX/XX/XXXX I also filed a police report with XXXX NC XXXX, and contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) to freeze my credit. 

On XX/XX/XXXX I contacted XXXX XXXX to open a fraud claim for ID restoration. This was not done and I had to call back on XX/XX/XXXX to request this again On XX/XX/XXXX, also contacted XXXX to request a 7 year fraud alert- was told they will also notify XXXX and 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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond. 
Also Citi bank charged my account XXXX $ without my authorization, the funds Citi bank took without my permission is also exempt.

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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account belongs to my XXXX XXXXXXXX XXXX never knew the existence of this account and they send this to portfolio recovery I try to explain the credit but never listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I had disputed some transactions totaling {$730.00}. The merchant involved agreed I wasnt the one doing the charges. I sent the paperwork to Chime. They have refused to investigate and refuse to credit back. As a result theyve denied recurring payments that I did authorize and have affected my credit. Every time I call I get someone in another country who doesnt understand and wont help me. They are illegally holding my money and refusing to help with the dispute that the vendor is ok with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: IL

Complaint narrative:
The loan of {$1000.00} was financed on XX/XX/2022. I have made XXXX bi-weekly payments of {$250.00} totaling {$2000.00}. Due to financial hardship, I requested they remove teh ACH withdrawals from the account. They claim they will aggressively seek the remaining balance of {$3500.00}.

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 2022-11-17 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: MA

Complaint narrative:
In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a.

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report 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 2022-11-17 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: MA

Complaint narrative:
In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a.

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report 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 explanation
Consumer complaint received 2022-11-17 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: WA

Complaint narrative:
This company is not updating my credit report. In XXXX my statement closed with a {$480.00} balance. I have not only paid of my balance every month since then, I have overpaid, and they are still reporting {$480.00}. Today Transunion reported that XXXX reported a {$480.00} balance on XX/XX/XXXX, but I have provided statements that show that this is incorrect. As a result, my credit score dropped almost XXXX points!

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 2022-11-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This company is not updating my credit report. In XXXX my statement closed with a {$480.00} balance. I have not only paid of my balance every month since then, I have overpaid, and they are still reporting {$480.00}. Today XXXX reported that XXXX reported a {$480.00} balance on XX/XX/XXXX, but I have provided statements that show that this is incorrect. As a result, my credit score dropped almost XXXX points!

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 2022-11-17 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: SC

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-11-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with XXXX and Equifax blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX XXXX  ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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.

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2022-11-17 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.

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2022-11-17 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: OK

Complaint narrative:
In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. Capital One has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is FRAUD. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on Capital One for making false claims. Capital One knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked XXXX, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to Capital One because I give my social every time because again I had no idea of this account, Ive never had a Capital One account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with XXXX. Capital One isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
Called on XXXX with a simple question about changing my homeowners policy and how is the easiest way to handle that. I spent nearly 45 minutes working my way through their phone tree before I finally got a live rep, during each transfer of the process I was told " this is an attempt to collect a debt ''. My mortgage has never been past due and is usually paid 5-8 weeks in ADVANCE. As of today I don't owe a payment until XX/XX/XXXX and they are trying to collect a debt? I finally got a customer service representative who refused to help me, I asked for someone else a supervisor/manager that could answer the question, she refused and then transferred me elsewhere. I will need instruction on how to change my insurance carrier and since it is impossible to work with PHH filing a complaint is the only way to get somebody to discuss this with me.

Company response to consumer: Closed with explanation