vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I mailed a method of verification for several accounts on my credit report for XXXX ( 2 ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXX/XXXX but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I mailed a method of verification for several accounts on my credit report for XXXX ( 2 ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXXXXXX but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.

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 2023-03-05 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint regarding the inaccurate reporting of information by XXXX XXXX ( account number XXXX ), XXXX XXXX XXXXXXXX ( account number XXXX ), and XXXX XXXX XXXX ( account number XXXX ) to the credit bureaus. 

Despite my efforts to rectify this issue, I have not received any response or resolution from these companies. As such, I am now informing you that if a resolution is not reached within the next 30 days, I will seek legal counsel to pursue compensation for each account in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I request that all closed accounts associated with these companies be removed from my credit report as soon as possible. 

I understand that the FCRA provides for damages of up to {$1000.00} per violation, and I will not hesitate to take legal action to pursue these damages if necessary. I believe that it is only fair that I receive compensation for the harm caused by the inaccurate reporting of information, which has negatively impacted my credit score and my ability to obtain credit on reasonable terms. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I never gave any written consent to any reporting agencys to report anything NEGATIVE on MY behalf on MY consumers report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a collections account 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 : 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 explanation
Consumer complaint received 2023-03-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
Back in the early month of XXXX XXXX  I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: Nationwide Recovery Systems, Ltd
State: MI

Complaint narrative:
These companies unlawfully reported accounts ( XXXX XXXX, NATIONWIDE RECOVERY SYSTEMS XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
These companies unlawfully reported accounts ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in processing disputes for all of the following information on my credit report with transunion. checking my file alot of data is hindering my file an causeing denials. this is hurting me please correct an remove all data asap.

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 2023-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection Services showed up on my XXXX credit report. With the law that just passed. Medical debt under {$500.00}. Can no be reported on any credit report. I am going to sue Franklin Credit Services. For reporting debt that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
Back in the early month of XXXX XXXX I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: TX

Complaint narrative:
In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 18USC 1028a Aggravated identity theft 15 USC 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 explanation
Consumer complaint received 2023-03-05 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: FL

Complaint narrative:
I am interested In disputing all incorrect information on my credit report with Equifax. checking all information listed the data is incorrect. please remove all listed items to correct my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: NC

Complaint narrative:
This is a system-wide problem. It is impossible for a buyer to get a Loan Estimate from a lender- unless the buyer makes an application for a mortgage.

Check it out.

Go on-line - try to find rates on-line for a 30-year mortgage without making an application. 
When consumers make applications, the Loan Estimate in buried deep in a pile of other forms the lender forwards to the borrower. 
Everything must be e-signed, and the borrower has little idea what they are doing. The lender will not provide a XXXXoan Estimate without a full application, and the borrower can not " shop '' for a mortgage.

The Loan Estimate invariably contains a " sample '' interest rate that is not locked, and that a buyer can not lock. 
With rates going up, borrowers will get hammered by lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
XXXX XXXX approved financial services on a term of 36 months for work needed to be done on my teeth. Account was set up on auto pay for 36 months. At the end of the 36 month term of payments made the account was deemed paid in full. Which was never reported on my credit report. 

6 months after the account was paid in full. XXXX XXXX is alleging that they didn't get paid for some of the services performed from insurance. Is now saying I owe additional monies because of their bad accounting. I was never informed during the 36 month payment process that additional monies were owed. Until it showed up on my credit report as a collections account.

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 2023-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it XXXX concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Capital one account number ending in XXXX Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report. 

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report. 

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA 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 explanation
Consumer complaint received 2023-03-05 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: DE

Complaint narrative:
I am a natural person, I am a living being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint regarding the inaccurate reporting of information by XXXX XXXX ( account number XXXX ), XXXX XXXX XXXXXXXX ( account number XXXX ), and XXXX XXXX XXXX ( account number XXXX ) to the credit bureaus. 

Despite my efforts to rectify this issue, I have not received any response or resolution from these companies. As such, I am now informing you that if a resolution is not reached within the next 30 days, I will seek legal counsel to pursue compensation for each account in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I request that all closed accounts associated with these companies be removed from my credit report as soon as possible. 

I understand that the FCRA provides for damages of up to {$1000.00} per violation, and I will not hesitate to take legal action to pursue these damages if necessary. I believe that it is only fair that I receive compensation for the harm caused by the inaccurate reporting of information, which has negatively impacted my credit score and my ability to obtain credit on reasonable terms. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution to this issue.

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 2023-03-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022 I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$400.00}. A couple of says later I noticed the same item was listed for less money and I attempted to contact XXXX and ask them to adjust the price. They refused stating I would have to return the item and order a new one at the new price. On XX/XX/2022, I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$350.00}. 

On XX/XX/2022, I returned the first jack ( ORDER # XXXX ) via XXXX XXXX  XXXX XXXX The XXXX tracking number is XXXX. The item was received by XXXX 's depot the following day, XX/XX/2022. 

Based on XXXX 's policy I was supposed to receive a refund within 30 days of the return. Which did not happen. My XXXX account is linked to an XXXX store card issued by Synchrony Bank ( Account ending in XXXX ). I contacted Synchrony after the 30 day period ( and after multiple attempts to resolve the issue with XXXX ). 

Synchrony Bank attempted to process the dispute and I have provided them multiple times with the XXXX tracking number and other information, but they continue to state that I am not providing them with information. I contacted XXXX and thety told me that on XX/XX/2022 at XXXX PM XXXX, XXXX refunded to synchrony {$400.00} to resolve the dispute. Synchrony did not credit the refund to my account and continues to deny the claim. XXXX will not process a refund stating they returned the {$400.00} to Synchrony and consider the matter resolved. 

To date, I have paid twice for an item, of which I only have one in my possession. I have asked both XXXX and Synchrony Bank to provide any evidence of this XX/XX/2022 transaction and neither have provided me with the information. I'm left to conclude that Synchrony has received the funds from XXXX and are keeping it for themselves without properly crediting my account. This is unacceptable and I expect to have an amount of {$400.00} credited to my Synchrony account whether from XXXX or Synchrony Bank.

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 monetary relief