vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
ACCOUNT NAME - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Some one withdrawn money from my account online via XXXX pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: UPGRADE, INC.
State: FL

Complaint narrative:
I went to XXXX in XXXX and had purchased 2 train tickets from XXXX to XXXX. On the day of travel we are told that the trip was cancelled do to strikes in the city. I went on my phone to purchase other train tickets and I used my UPGRADE credit card, the transaction was declined and my card was blocked. Mind you, I was already at the train station and there were a lot of trains that where cancelled so I used another credit card to make my purchase. We got on the train and sitting there I decide to check my email and I see that I got an email from the train company congratulating me on the purchase of 2 train tickets. This email was from the transaction that was declined from UPGRADE. I was on vacation and I was stressed and frustrated to find out that the transaction went through in the end when originally it was declined. I unblocked my upgrade account and got in contact with them about the issue. This was on XX/XX/2023 and we are in XX/XX/2023 and they have not resolved my issue about refunding that transaction, not only that. yesterday I received an email saying that my issue was resolved and closed. I called them again today and they told me that they were going to open the case up again and that I needed to show them proof that I reached out to the train company and to show them a receipt that has the correct amount that was taken out of the account. This is ridiculous, the receipt that I have is in Euros because I was in XXXX, it is another currency. I have never had problems with a credit card company. They even had the audacity to tell me that I probably ran the card twice so 1 transaction went through and the other declined. If a transaction is declined there is no way it can go through. They have in their system that the transaction was declined and they still do not want to give me a refund. I called again and asked for a manager and they told me that was not possible and that my transaction was never declined that it was flagged for suspicious activity. The transaction was declined when I made the the purchase. How are you going to tell me that it was flagged because of suspicious activity and still run the card. It is {$180.00}, you know how much I have to work to make {$180.00}? This was a mistake on their part and I am being penalized. The worse credit card ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
Fell behind in my mortgage and was facing foreclosure when I got help in paying all back payments, fines and fees. the mortgage was purchased by SN servicing corporation from XXXX. I thought I was starting with a clean slate but when I got first statement there was an extra $ 1000+ attached in what they described as lawyer and foreclosure fees that had been paid. they said that they weren't included in the payoff even though they had plenty of time to do so, Then the next month they hit me with a {$350.00} legal assessment fee. For what? I have no idea. They also raised my mortgage over {$200.00} citing low escrow. I paid XXXX mortgage by sending money order because I was locked out of there portal to pay. talked to an XXXX XXXX who reassured me that he would fix that, at that time I made the XXXX payment over the phone using my XXXX account which is backed by XXXX.i thought that was it. a few weeks later I noticed that the money was still in account. called them up and talked to a man that said you can not use XXXX to pay mortgage. I told him that I told XXXX it was a XXXX account and he had not informed me, so I then got on their portal and paid from my normal bank, once again a few weeks later I notice money is in there. I emailed XXXX and he informed me that my account was non existent. I double checked my account and routing numbers and they are correct. I also found out you can pay with XXXX they lied. I contacted his supervisor and I am still waiting to hear from him. during this time they have assessed me late fee charges, returned check fees and I assume my credit score will take a hit for late payments. the only way to pay mortgage through them is with bank account on their web site. they don't accept debit cards. It is like they are setting you up to fail.I have had nothing but trouble since the moment they took over my loan. they are not a mortgage company and should stop trying to be XXXX. I know this is just going to continue over and over again. This has caused unneeded stress in my life. I finally get my mortgage straightened out and then I have to deal with their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX have violated my rights. 

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 an 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 2023-04-20 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: GA

Complaint narrative:
Re : XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX american express card reference number XXXX first i filed a complaint with cfbp next i will call XXXX  to alert the company of possible fraud on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-20 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: GA

Complaint narrative:
I reviewed my consumer file and there are several collections on my file that I have no knowledge to why they are reporting on my consumer file. This is Identity theft and I would like them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MN

Complaint narrative:
I contacted Ability Recovery Services LLC in order to validate the debt which they say I owe with the letter that is attached to this message. In addition, I sent copies of the debt in the amount of {$1200.00} showing on my credit report and highlighted it. I sent this letter XX/XX/23 and still have not heard a response from them verifying the debt.

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 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
4 Duplicate accounts are showing for Dept of EducationXXXX and US Dept of Education I am 100 % totally XXXX Veteran who has receive loan forgiveness but the duplicate accounts of my credit report for the same exact thing. Also the account status is incorrect US dept of education reflects with all three bureaus Student loan assigned to government, Paid collection Student loan perm assign government Student Loan Permanently Assigned To Government Dept of educationXXXX all the bureaus reflect Account closed due to transfer

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 2023-04-20 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: GA

Complaint narrative:
4 Duplicate accounts are showing for Dept of EducationXXXX and US Dept of Education I am 100 % totally XXXX Veteran who has receive loan forgiveness but the duplicate accounts of my credit report for the same exact thing. Also the account status is incorrect US dept of education reflects with all three bureaus Student loan assigned to government, Paid collection Student loan perm assign government Student Loan Permanently Assigned To Government Dept of educationXXXX all the bureaus reflect Account closed due to transfer

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 2023-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: LA

Complaint narrative:
False statements that I owe them funds. 
I have never done business with this company. 
Continues to report this as open account. 
Continues to try to collect funds after cease and decease letter. 
Continues to defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation
State: MI

Complaint narrative:
They are not releasing my money. I attempted a purchase on Friday XX/XX/XXXX at XXXX XXXX  in the amount of {$2500.00} but the merchant was unable to process the transaction and I immediately received a screen that said " your transaction could not be completed ''. The money is gone from my Albert account. The screen says it could pend for XXXX to XXXX days. It's been XXXX days total and XXXX full business days and I still don't have my funds back. Albert initially told me the hold would release in XXXX and now they're saying XXXX. They refuse to give me a statement on their letterhead to give to the merchant and they refuse to release the funds. The merchant has given me proof that the transaction didn't even begin processing on their end. I submitted the merchant proof to Albert and they STILL will not release my money. THEY ARE THEIVES. 
THERE IS NO NUMBER TO EVEN CONTACT THEM ON! I keep waiting for texts from them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
Attempts to get company to cooperate in proper investigation and removal has been unsuccessful. 
A write off / charge off is reported as gross income to the IRS. 
This company is reporting gross Income to all credit reporting agencies as debt. 
Gross income does not get reported on a consumer report. 
This makes the reporting of this account 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 2023-04-20 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: LA

Complaint narrative:
Attempts to get company to cooperate in proper investigation and removal has been unsuccessful. 
A write off / charge off is reported as gross income to the IRS. 
This company is reporting gross Income to all credit reporting agencies as debt. 
Gross income does not get reported on a consumer report. 
This makes the reporting of this account 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 explanation
Consumer complaint received 2023-04-20 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/2023 wellsfargo withdrew XXXX I have had my account for years my husband is on my account apparently my husband owes money and was garnished but with without notifying me at all when that money that was deposited was my checks my money there was no communication at all that this garnishment was going to take place I have bills to pay I'm on the accountant as well I was suppose to be informed of what they were to do this could've placed me in a negative amount If they would've looked at what checks were deposit they can see its in my name how can they not verify the other person on the account that this would occurred? I was told they can not speak of it only to the person that owes the money but they can withdraw the amount without the other person knowledge or permission?

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 2023-04-20 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 an 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 2023-04-20 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: CA

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. 

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, has violated my rights. 

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.

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