vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost XXXX years. I submitted MULTIPLE disputes to XXXX, XXXX and Transunion and stated that i NEVER had an account with XXXX XXXXXXXX from XXXX of XXXX. XXXX deleted the account from my credit report. XXXX and Transunion did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. Transunion and XXXX has refused to delete. If this account is not taken off of my credit report I will file a lawsuit against Transunion, XXXX and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. XXXX and Transunion have a legal requirement to remove falsely reporting information and have refused.

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 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Inaccurate reporting on my account. I opened the account in XXXX over 16 years ago. I transferred the mortgage to a different lender years ago and its still saying payment status as " current ''. The new mortgage company that I transferred too I paid the house completely off XXXXFCRA allows 30 days for this to be rectified. I want this completely removed from a 3 credit Bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX  ( Original Creditor : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX XXXXXXXX let me know there was a credit card opened in my name, i never opened this specific capital one credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have items on my report that should have been remove due to improper use from a identity theft that has taken place This has greatly affected my life health and financial responsibilities I am unable to get approved for a house car or any kind of credit card This is affecting my mental health

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card account around XX/XX/2021. XXXX never sent me my account information or credit card so that I can activate my account and make payments online. Because of this, I was not able to make a payment on time and XXXX / XXXX marked me 30-days late on a payment. There are also several other errors on my XXXX and Trans Union reports that have not been corrected or deleted after several disputes. 

It is not fair that a consumer be hit with a 30-day late reporting when he did not have the opportunity to make a payment because the furnisher did not send the proper account information in-time. XXXX XXXX XXXX has violated the FCRA and I believe the Fair Billing Act as well.

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Now that my loan was transferred, Aidvantage has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11 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:
Credit reporting agencies XXXXXX/XX/XXXX( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Experian XXXX XXXX ( XXXX ) XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Account # XXXX Dear Sir or Madam & CFPB I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$11000.00}, and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX Lastly. 

Within four business days after receiving your request, the credit reporting company must block that information from your credit report. 

Is this not the law? So why do you keep returning this account validated by the same company accused of fraud? 

I ask the CFPB to use their enforcement authority to resolve this issue and do a thorough investigation into this matter. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. 

Enclosures : passport, state issued ID, utility bill with current address and more proof.

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet refuses to provided me any validation of the debt. I requested information to the validity of the said debt owed, but Nelnet refused to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Entered into agreement to purchase hearing aids for my husband.  At time of purchase I was offered interest free for 1yr. First payment was in the amount of {$100.00}. I paid {$150.00} for the next 11months. Those dates were from XX/XX/XXXX to XX/XX/XXXX. Total amt pd at this point was {$1600.00}. I then sent them on XX/XX/XXXX another {$150.00}, I sent another {$150.00} XX/XX/XXXX, I then called to get the final payment amt. to close this acct. I was informed that I needed to pay {$540.00} for bk interest as the free interest was only offered for 11 m.I immediately over the phone gave them my debit card to pay the {$540.00} to satisfy this loan. 13 months later I am receiving a bill in the amt of {$100.00}. I have sent letters, I have called them numerous times. At this time my original contract was in the amt of {$2000.00}. As of this writing I have pd Synchrony Bank formerly known as Allegro Credit {$2400.00}. As of this writing I feel they owe me {$400.00}. They have been harassing me by phone at least by 57 calls. I have written to them only to receive nothing in return.

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX OF XXXX Inquired on XX/XX/2023 XXXX & XXXX XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023

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 2023-05-11 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief