vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
I recently went to check my consumer report on XX/XX/2022 and I noticed some new accounts on my consumer report. The account that I am talking about is the XXXX XXXX  account XXXX Before I proceed, I would like to make it clear to your company, and those in position of authority at your company that congress makes it clear that the banking system is dependent upon consumer reports being fair, and accurate to me pursuant 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role and because your assumptions you have negatively affected my life, and those around me causing me severe hardships, mental anguish, and XXXX. I have been unable to provide for myself and my family because of you assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You are unfair in reporting this information without first consulting with me the consumer, you have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information because of that third party. I am demanding that this information be removed immediately.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate nor is it relevant to me, nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place shouldve been confidential so you in fact betrayed my confidence.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) If this was a factual transaction ( Which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) I the consumer was not given a chance to direct the information whether I want information about this transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.

Pursuant to 15 USC 1681a ( 2 ) ( B ) I the consumer is aware that transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. Thus, making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report.

Pursuant to 15 USC 1681b ( 2 ) I the consumer never gave written permission for this consumer credit transaction to be report on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I contacted The President and CEO of XXXX XXXX XXXX XXXX, via certified mail, twice in the past month. My mail is not being scanned as delivered and I have proof of sending it through USPS. I sent my complaint to the Attorney General of my state and XXXX responded within 2 weeks. Now my letters are in limbo. I asked for debt validation and they sent me back invoices which isnt proof of indebtedness or obligation to repay a debt. Theyve also violated multiple FDCPA codes and Ive sent an Affidavit of Truth which still stands as fact as it was not challenged and even if it were, I have exhibits proving otherwise. I know my rights as a consumer and Im still waiting for verification/validation of the origins of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
synchronybank.com synchronybank does retail credit cards i applied for synchronybank car care credit card XXXX times paypalcredit credit card i applied for XXXX  XXXX And all i get is " high risk source of application '' there is no mention of a credit reporting agency i have called there support in the past i get " They know nothing '' " Have no idea. '' " And can not tell me '' What credit agency did they check? i have no idea. they will not tell me. 
How could i fix info in error if they do not say what it is? 
They are unfair and illegally doing credit A check on the internet reveals i am not the only one synchronybank is in violation of THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] please take action against them thank you XXXX 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 2022-03-18 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: NJ

Complaint narrative:
I have a XXXX account with what is supposed to have a Date of First Delinquency of XXXX and is supposed to fall off in XX/XX/XXXX. Both XXXX have it reporting properly ; EXPERIAN is wrongly reporting it as a more current account. They refuse to correct it via disputes and it is impossible to call them as they no longer take phone calls from people and only use an automated system. I am demanding to speak to a human to confirm the accuracy of this information from EXPERIAN and they will not speak to me. I've tried to get past their automated prompts endlessly to no avail. This one mistake is causing a XXXX point difference in my scores and it is easily attributable to this one wrongly reporting 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 non-monetary relief
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.

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 2022-03-18 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: NY

Complaint narrative:
Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX I, XXXX claims i owe {XXXX and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
This loan was for XXXX to date i have paid {$640.00} and still owe XXXX the company is not interested i resolving this matter i can not longer afford the payments it was never made clear even thought they say they did i can not make the payments any longer and i hope they will consider the loan # XXXX paid in full.

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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe.

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes.

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish.

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE

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 2022-03-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently reached out to the TN Dept of Human Services regarding inaccurate information that they have supplied to the credit reporting agencies.

They are in clear violation of 15 US Code Sec. 1681s-2 : Responsibility of furnishers of information to consumer reporting agencies, because they do furnish information and they have a duty to provide accurate information - THEY HAVE FAILED TO DO SO.

I have asked that they validate the debt - pursuant to 15 US Code Sec. 1692 g validation of debts, I have a right to request all information pertaining to said debt, as this company continues to garnish my wages and I KNOW THAT THIS HAS BEEN PAID OFF, therefore, show me the amount that I owe. 

This erroneous information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. 

I am including my check stub, the letter received from the furnished, and the inaccurate information that they continue to furnish. 

Your assistance in this matter is crucial THIS FURNISHER IS IN COMPLETE VIOLATION AND THEY ARE IN WILLFUL NON COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: FL

Complaint narrative:
In accordance with the fair credit reporting act accounts 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 a 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
Consumer complaint received 2022-03-18 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: FL

Complaint narrative:
In accordance with the fair credit reporting act accounts 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 a 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 explanation
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX  ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: GA

Complaint narrative:
A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now

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 2022-03-18 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now

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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
When Truist bought Suntrust Mortgage and BB & T, I now h

ave 2 mortgages with Truist. 1. Primary residence mortgage. ( a ) When I transitioned to from the Suntrust Mortgage online system to Truist system, this mortage failed to appear. There seems to be no way to link it. I called customer service have been on hold for half an hour and no one is answering. ( 2 ) for tax year XXXX  I have not received a tax form ( today is XX/XX/XXXX ), since this account isn't appearing online I can't access this form online either 2. Second property mortgage. When I transitioned from the BB & T website to the Truist website, there are errors on the mailing address which can not be fixed online. Again, I called customer service have been on hold for half an hour and no one is answering. 

This is an unimpressive start to my banking relationship with Truist

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