vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.

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 2022-09-19 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX and XXXX are saying I was past due 30 days with syncb/XXXX. I was never late with them I've complained to Syncb and they stated I was never late both verbally and by letter. I dispute over and over. Syncb responds everything reporting is correct never late. XXXX responds everything reporting is correct 30 days late. I've called Syncb and they stated they would send statement as such to XXXX but they still will not remove. I've tried everything but you or an attorney

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 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone has opened two loan accounts which are on my credit report and also provided an address change.

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 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WI

Complaint narrative:
My loan servicer is EdFinancial Services. I requested a refund of payments made during the pause on XX/XX/2022. I was informed that this would take 5 months. I followed up on XX/XX/2022 and was told again it would take between 150 and 180 days. I am concerned that my refunds and newly adjusted loan balances will not take place prior to the time I am able to request my forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: OH

Complaint narrative:
Transunion and XXXX are saying I was past due 30 days with XXXX. I was never late with them I've complained to XXXX and they stated I was never late both verbally and by letter. I dispute over and over. XXXX responds everything reporting is correct never late. Transunion responds everything reporting is correct 30 days late. I've called XXXX and they stated they would send statement as such to Transunion but they still will not remove. I've tried everything but you or an attorney

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 2022-09-19 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: IL

Complaint narrative:
I have wrote the 3 bureaus several times about the inaccuracies on my report yet they keep saying the accounts are verified but haven't provided me no documents showing I authorize any of these accounts I demanded they be deleted and the accounts are still on my credit reports one one or more of the bureaus

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 2022-09-19 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: OH

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE can delete the whole online account and not just the credit card ending in XXXX. And not mail all statements but just the statements with remaining balances ). 
Overall Chase system is full of glitches, with its representatives having difficulty comprehending ( unless I'm not conveying well ) and I'd rather be done with this. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
YOUR COMPLAINT Fidelity National Finance took my job, my money total of {$250000.00}, XXXX XXXX XXXX XXXX. I have documentation from doctor that has proven my XXXX XXXX XXXX XXXX I was lead to believe these judgments not belonging to me would be corrected, they were false pleadings, misleading, and XXXX  stretched the proceedings out for the stature of limitations causing the issues to go away.. Fidelity National Finance wrote a letter stating they would fix my credit problem but they did not. The same promise was written to XXXX XXXX. I feel that they disparaged my character. 

XXXX XXXX is now working for XXXX and had worked for XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX. is involved with the loan initiators. I am not worried about alerting her. XXXX XXXX is in interest with the title insurance. Only trying to go after me and not honor what title influence is for. The homeowner has had title insurance forever. They actually filed a claim to get it on record because of my actions. There are a lot of them trying to cover themselves with people moving around between companies. There is a XXXX XXXX who was my claim person. The first claim person who I have a letter from oh everything is fine we will take care of this. This was when XXXX gave me XXXX XXXXXXXX to file a complaint on their behalf also. XXXX XXXX of XXXX. I actually filed claims on covered items and they were refused. Now, once again, they should be defending me and I have a new claim person. XXXX XXXX says, " remember I work for XXXX and that is who my loyalty is with. '' and that is my homeowner policy with XXXX. I dont know if you need the policy numbers of that. Homeowner policy, XXXX title insurance. It started out at XXXX then it was type 4 in XXXX. XXXX XXXX is what they were calling themselves at one point. The claim number is XXXX and the policy is XXXX. That was one policy filed on my account with them. XXXX XXXX and her number is XXXX. In your investigation you will find that to cover their ( profanity ) XXXX filed in XXXX when the original one I filed was in XXXX. I have a recording of someone in the executive branch telling me, sure file for both of us. That was XXXX XXXX who was made to disappear for a while but I found her and she still works for XXXX. XXXX and insurance that is the forced insurance they put on and it is $ XXXX 6 months. There is a class action suit and they got sued for this. None of this is public knowledge of what was being done to thousands of people. The claim number I have is XXXX. This is the initial person who I filed this against and her phone number is XXXX. I filed this XX/XX/XXXX. XXXX XXXX is counsel for XXXX and her number is XXXX. And the claim number there was XXXX which they hooked them up together I see. This just goes on and on. This is what I can give you on the company and then make the statement in writing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2022-09-19 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off my Credit card with Comenity-forever 21 in full. I have no balance at all. balance is XXXX. So in XXXX or XXXX of 2022 I received a bill from them for XXXX dollars. it said it was interest. So I sent them XXXX $ just to make sure it was fully paid off. From that date on for the next four months they keep send me a bill for XXXX cents saying I still owe them money and I don't. I spoke with comenity on XX/XX/2022 and told them I don't owe them any more money and my account was fully paid off. I demanded they remove the charges for XXXX dollars and stop send me bills. I paid the account off in full 3 months ago. Comenity removed the charge and apologized. on the same phone call I told them to cancel my credit card I was sick of there XXXX and that they are committing a federal crime by putting a stamp on the fraudulent bill and mailing it to me ( wire fraud ) .They asked why am I closing my account? Because of they fraudulent bills you keep sending me. That phone call took place XX/XX/2022. I received a bill from them in XXXX, even though my account is closed and has been paid off for close to 5 months now. I want them to be penalized with a fine from the government, charged with a federal crime and I want XXXX $ for them trying to ruin my credit score. The only way this company will learn is if you hit them with a huge fine and make them pay me for this. Otherwise they keep doing this to the American public and think they can get away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have never opened/been associated with an account with the alleged bank in which the collection agency CACH LLC has place my name and social security into their database. After doing my own research the dates where I had opened any type of accounts doesn't even match up with the date the collection agency has reported, so it seems the alleged account was re-aged because at that time I was XXXX XXXX XXXX to XXXX, which further leads me to believe it was a fraudulent account. I have never received a debt validation letter, never received a phone call, I never even seen the original creditor throughout any of my credit reports ever. Ive disputed this account several times seeing all sorts of issues for inaccuracies. I've seen this collection agency not update the status since XXXX which is weird because I've disputed, conflicting DOLA across credit bureaus ; something is just strange about this account. I've noticed that less than a year remaining this illegal collection will be removed from my credit report, so im not so concerned about it affecting me long term because I haven't had the need to use my credit so much, however I've decided to educate myself and clean up my credit report from any errors and possible identify thefts. This company has NOT verified or validated this debt and every time I dispute it, the false debt remains on my credit report as if it was validated but yet the last status date is from 5 years ago. Could someone please help because now I am annoyed. Where and who is the original creditor? when was this account opened? what account type is it? did someone falsify my signature? was there even a signature needed? why are there so many inaccuracies cross-bureaus? how did they verify this date to assume it was mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: CA

Complaint narrative:
De

spite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )
& I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-09-19 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.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: NC

Complaint narrative:
I need this agency to find the stimulus cares act payment and get the new payment time ongoing in XXXX For my debit card I am working with

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 2022-09-19 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:
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  Account XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX, XXXX  Account 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

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