vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to XXXX, XXXX, and Transunion. As a consumer I know that I have rights. I informed each bureau to remove all late payments that the bureaus are reporting on each account. XXXX opened XX/XX/XXXX, XXXX XXXX-opened XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. According to 15 USC XXXX, reporting late payments is illegal. The law states that a consumer report does not include transactions or experiences between the consumer ( individual ) or the person ( company ) making the report. Payment history and/or payment status is considered transactions. My experience is considered the line of credit, utilization. According to the FCRA, I have the right to an accurate and fair consumer report. XXXX, XXXX, and Transunion are nonaffiliated third parties. My consumer rights have been violated. The credit agencies did not notify me of an investigation or that remove any of the illegal information on my consumer report. I want all late payments removed. With that said, according to 15 USC 1681n, states that a monetary remedy of {$1000.00} should be paid to me ( consumer ) for each violation.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to XXXX, Equifax, and XXXX. As a consumer I know that I have rights. I informed each bureau to remove all late payments that the bureaus are reporting on each account. XXXX opened XX/XX/XXXX, XXXX XXXX-opened XX/XX/XXXX, XXXX XXXXXXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX. According to 15 USC 1681a, reporting late payments is illegal. The law states that a consumer report does not include transactions or experiences between the consumer ( individual ) or the person ( company ) making the report. Payment history and/or payment status is considered transactions. My experience is considered the line of credit, utilization. According to the FCRA, I have the right to an accurate and fair consumer report. XXXX, Equifax, and XXXX are nonaffiliated third parties. My consumer rights have been violated. The credit agencies did not notify me of an investigation or that remove any of the illegal information on my consumer report. I want all late payments removed. With that said, according to 15 USC 1681n, states that a monetary remedy of {$1000.00} should be paid to me ( consumer ) for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
CHEXSYSTEMS IS REPORTING AN UNPAID BALANCE ON AN ACCOUNT THAT HAS BEEN PAID IN FULL. XXXX XXXX  HAS BEEN PAID IN FULL AS OF XX/XX/2023 AND THEY HAVE SENT CORRESPONDENCE TO CHEXSYSTEMS. CHEXSYSTEMS HASN'T UPDATED THE STATUS OF THE ACCOUNT EVEN AFTER XXXX XXXX  HAS INFORMED THEM OF THE CORRECT STATUS 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Below is my validation request for Synchrony Bank. 

To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of both debts listed by your company. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
A complete and correct social security number that may help identify me as the party you are collecting from. 
A copy of the government issued Identification presented to incur this debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. 
A purchase agreement or assignment from the original creditor to your company. 
Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

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 2023-04-25 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: NC

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 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
Consumer complaint received 2023-04-25 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: NC

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-04-25 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 Crediting Report Act, the account listed below has violated my federally protected rights to privacy and confiendentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX This account has violated my rights.

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 2023-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I received a copy of my credit report and saw this item of information reporting : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number : XXXX The following account has been reinserted on my credit file in error as it had been previously deleted. I am once again disputing the completeness and accuracy of this item of information. It is my understanding that once an account has been reinserted there were required steps you should have taken as a result of that action. Accordingly, I was supposed to be notified in writing within 5 business days after the date of reinsertion. The notice was supposed to include : 1. Statement that the disputed information has been reinserted 2. Business name and address of any furnisher of information contacted etc.

3. Notice that the consumer has the right to add a statement I have yet to receive that written notice. Im requesting that you delete the item of information once again. 
XXXX XXXX XXXX XX/XX/1965 XXXX See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
My attached Equifax credit report of XX/XX/XXXX for my XXXX XXXX XXXX account # XXXX has inaccurate and conflicting data which has existed for over 5 months despite my diligent repeated efforts to delete my account and/or accurately report data. My credit report inaccurately reports the Date Closed XX/XX/XXXX while at the same time accurately reports under XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Obviously, conflicting data of when the account was closed needs to be corrected as warned by CFPB regarding Facially False Data required safeguards. I feel like I am being ignored and taken advantage of regarding my disputes in willful violation of the FCRA. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 120 days so they should be promptly deleted. I am distressed that you have included the inaccurate and conflicting information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The closure date needs to be reported accurately reported without conflicts otherwise deleted. You need to do a proper re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Below is my validation request from Capital One Bank. 


To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the two debts that are listed on my credit report. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
A complete and correct social security number that may help identify me as the party you are collecting from. 
A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

A purchase agreement or assignment from the original creditor to your company.

Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. 
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: IL

Complaint narrative:
I have sent several letters and made phone calls to Trans Union Credit Agency since 2019 to explain why my FICO SCORE XXXX is so much lower than the same scoring factor used by XXXX and XXXX with no results. In response, they send me an automated letter with my credit report. All three latest reports use the same data and the same score model XXXX yet XXXX reports XXXX, XXXX reports XXXX, and TRANS UNION reports XXXX. Just last week, TU had my score at XXXX. After receiving my last letter, they changed it but changed the comment of too many accounts with balances to proportion of loan balances to loan amounts is too high. This is also incorrect reporting as I have one car loan owing {$9000.00} and the balance in proportion to all of my credit debt which amounts to {$2000.00}. This XXXX point difference is incredibly hurtful to my report. It does not reflect my stellar payment history of 100 % on time payments over the past 6 years, my oldest credit line of 16 years, my credit used of 17 %, 0 inquiries, 0 missed payments, 0 public records, 1 pd collection. My issue is that using the FICO CREDIT SCORE XXXX model should be consistent with all 3 reporting agencies looking at the same accounts and data on my reports. XXXX and XXXX are following that factor. Trans Union is Not. I understand that other scores report differently so that is not questioned. XXXX XXXX model reports all 3 of my scores as EXCELLENT above XXXX. But it is unfair to accept a XXXX point difference from Trans Union when it should be closer to XXXX and XXXX using the same XXXX SCORE XXXX model

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 2023-04-25 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: NC

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-04-25 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: FL

Complaint narrative:
Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear Experian, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts contain missing information.

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( Procedure in Case of Disputed Accuracy ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

2 ) Account Name : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing 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 2023-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My home is located in XXXX Florida. On XX/XX/XXXX hurricane Ian hit the Gulf Coast leaving damages throughout neighborhoods. It was declared a devastated area by FEMA. I reported my damages with my home insurance XXXX XXXX  They issued me {$45000.00} for repairs. As directed. I had to endorsed the check and mail it to SPS Select Portfolio in UT. The endorsed there part and only sent me back $ XXXXto start my repairs. I have 390 sq ft of fence to replace PVC., a new roof, replacement for window screens, paint. Pool equipment repair, Prior before getting my money for the repairs I had to take out of pocket some costs like a tarp to cover the roof as well as hold my place with contractors to order supplies as there was a huge demand. I was instructed but SPS to log into a website called " Insurance Claims '' this shows me steps that is needed to complete once repairs are complete. They indicated I would get back the {$5000.00} after the final inspection was done. I received a text from there inspector XXXX who only wanted pictures of the final completion of the damages which I sent. SHe said it would take 7-10days. THis was sent and it was uploaded into the company 's site on XX/XX/XXXX. They still haven't released the money. They stated that only 95 % was done. I spoke to many reps and the last one stated that she will note that paint and clean up isn't based on structure and funds would be released this was two weeks ago and still no indication from there website that the rest of the money pay back for the work that was done was sent. The contractors want to pay off the balance and its leaving me in a very bad way with these workers and I don't want to go to collection. The house that is damage is an investment property and I was unable to rent during these time for the property not being safe. I requested a defer for mortgage assistance back in XX/XX/XXXX but it still hasn't finalized. I keep in touch every week and the underwriter who keep asking for the same docs over and over wont move forward. Even there Reps don't understand what is going on. I have complied with every request and they wont release the {$5000.00} or move forward with the mortgage assistance. They are stealing the home owners money and not releasing it to me to pay my contractors. can you help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: VA

Complaint narrative:
Transunion is reporting injuries that I have reported has fraud ; I have a fraud alert and my report is supposed to be frozen, so are are injuries keep popping up on my credit report. XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are FRAUD so they should be REMOVE

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