vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
So in XXXX I pulled my credit report and noticed 4 accounts in collections that I never had so I started reaching out to these companies and started the dispute process and identify theft process on my end. So 3 collections were removed from my credit report and the 4th company XXXX XXXX XXXXXXXX XXXX XXXXXXXX refuses to show actual proof that it's my account. I've faxed over everything from police report, ftc identify theft report, affidavit, etc showing my identity was stolen and I'm disputing. The only this they sent me was a bill from the company and they state that is there proof it's my account.. I called them 13 times and keep getting nowhere I've spoke with them and said how is a bill proof it's my account ofcourse there would be a bill that's why it's in collections to begin with that still doesn't prove its my account. The other collections companies were great with helping resolve getting these off my credit report but for some reason this 1 company keeps sending me bills only after I called to dispute the account I've told them it's not mine and they are not willing to work with me. Also I did reachout to the original card company XXXX XXXXXXXX and they told me my file is and has been set at fraud and identify theft and not sure why the collection agency is still reporting this as my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX my wife contacted Truist Bank about a lien on our HELOC we have through them. When the HELOC was approved in XXXX, neither the bank nor appraiser noticed that the property linked to the HELOC was not the property that should be linked to the HELOC. We have given 2.5 acres to our daughter to build on the land that is owned outright and located on the property the lien is incorrectly on. We requested on XX/XX/XXXX that a partial release be made immediately so our daughter can move forward with her build and then have the HELOC linked to the correct piece of property. My wife and I have contacted the bank numerous times to get this resolved and never receive any information. The person we originally contacted to fix this talked to my wife once and myself once and then would not answer or return our calls. I went to the bank in person, got nowhere and then went to a different branch. It has been almost 4 months now and I am still not being given any information other than it's with the legal department. This was a mistake made by the bank and should have been corrected immediately. My daughter has been unable to move forward with her build which could have been mostly completed had it not been for the incompetency of Truist 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 explanation
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
US DEPT OF EDU XXXX & XXXX Unpaid student loan collections. Please request XXXX at ( XXXX ) XXXX they correct the reporting on these accounts as these accounts should not report delinquent as student loans are covered under the COVID RELIEF ACT until 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 2023-03-25 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: AL

Complaint narrative:
See attachments. They refuse to investigate these inaccurate accounts on my credit file and continuously lie and give me excuses when I call.

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 2023-03-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
See attachments. They refuse to investigate these inaccurate accounts on my credit file and continuously lie and give me excuses when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX , XXXX XXXX XXXX , and XXXX  XXXX XXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2023-03-25 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: VA

Complaint narrative:
On XX/XX/2023 Experian received a letter from me stating that they are reporting multiple inaccuracies on my credit report Account # XXXX ( XXXX XXXX XXXX. ) Experian updated the account without acknowledging any of the inaccuracies. 
It's a collections account it should not be showing a pass due balance, it should not be showing a payment history, this is not an open account, the high balance should not be lower than the regular balance and the balance owed is not correct. The balance owed on my credit report says {$420.00}, but the statement XXXX XXXX XXXX sent me from the original creditor says {$420.00}. I will be attaching a statement I received from XXXX XXXX XXXX showing the inaccurate balance owed. By law, the credit bureau is held accountable for reporting 100 % accurate. My credit report is not 100 % accurate.

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 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC
State: ID

Complaint narrative:
I received a letter in the mail after moving from XXXX, XXXX to XXXX, XXXX. It was dated XXXX, XXXX, XXXX. I did not receive the letter until after the New Year. 

After I opened the letter I needed more information. It stated that I owed, {$2300.00}. 
At this time I began researching what I could do as I couldn't trust that I somehow owed a company, $ XXXXThere was nothing on my credit report file on this debt and it stated that, " Your account with Advance Financial is severely delinquent '' On XX/XX/XXXX I sent a debt verification letter through certified mail and it was delivered to the address : Advance FinanciaXXXX Customer Retention, XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX. I received no verification response from the company via mail or other form of communication. 

I then called the company phone number, XXXX, on XX/XX/XXXX. They had all my personal information on file including my social security number. I then request them to remove the debt from my social security number because they did not respond to my debt verification letter within the legal timeframe of 30 days. I stated that they did not meet the debt verification laws and they must remove the debt from my name. They refused to remove the debt, asked me to email them documentation and I completed their request on XX/XX/XXXX immediately after the phone call. 

I emailed them copies of the USPS stamped certified mail receipt, the verification letter that was sent, the tracking number of the mail that was sent, and I did not get a response. It is now almost to the end of XXXX and they refuse to remove the debt as they are legally responsible to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account agency can not furnish an account without my written instructions.

15 USC 1666N : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I am a consistent shopper on Amazon.com. On XX/XX/XXXX, I was prequalified for an Amazon store card. XXXX, I applied for the credit. Synchrony Bank, then refused to approved me, although my credit meets the requirements for approval, because they then, required me to use a link and upload my identification card and a video of myself. I refused because this is very dangerous and unsecured. This is an invation of my privacy! No other Bank requires this! Everything I put in the credit application was valid and accurate to my credit file. 
Then Syncrony Bank required me to fill out an affidavit on identity & have it notarized by a bank or credit union and fax it to them. I did. 
When I called them to follow, they refused to approve me because they claimed it would take XXXX business days to review my fax. This is not legal and must be stopped. My application needs to be approved immediately. It's been 2 days. This is a form of punishment because I refused to allow them to invade my privacy. 
Synchrony, usually have overstepped your boundaries. 
No company that furnishes information to my credit report has ever been required to provide my identification card nor any videos of me to prove my identity. Therefore, neither should I, the consumer be required to do so. 
Credit approval is not based on whether or not you upload your identification & a video of yourself. 
I did not request, nor do I need any protection, when I accurately provided all information, required to obtain the store card. 
Synchrony Bank, I do not want my likeness saved in your databases. This is not secure nor required for credit. 
Synchrony Bank, I demand that you approved my Amazon Store card or fact legal action. You have XXXX calendar days to comply. By the way, according the Federal Consumer Laws, to be factual, I'm extending you credit. 

Warm Regards, 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 2023-03-26 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, Santander Consumer USA released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give Santander permission to furnish fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My quicksilver card ending in XXXX has an XXXX XXXX membership as a free benefit. The terms state I am to charge the membership to the card, and it will automatically be credited. I set this up but have been charged 5 times and only received credit for 4. I am owed an additional {$9.00} that Capital One needs to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion failed to investigate my dispute requests. 

Transunion is in violation of Federal Law.

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 2023-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Mohela became the servicer for my loans at the end of XXXX. Originally XXXX. I had paid a substantial amount during covid, over XXXX dollars. After debt relief was announced I requested a refund. Still no refund, but my loan balance has returned to the original amount. Mohelas website provides XXXX information about the transactions/refund. I didn't request a refund for the full amount. I only requested a refund for a certain transaction made during that time. I've not received a check or a deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit report by the listed creditors. I have already disputed these items with the credit bureaus, but the creditors have failed to provide verified information in response. As such, I am seeking your assistance in enforcing my legal rights under the FCRA and FACTACT.

The inaccurate reporting by the creditors is causing serious harm to my financial wellbeing and has been affecting my ability to secure loans or credit. These inaccuracies have caused my credit score to be artificially low, making it difficult for me to obtain credit at reasonable rates. This has also resulted in me being denied credit opportunities and has made it difficult for me to obtain the financing I need to make important purchases. 

For instance, XXXX XXXX XXXX ( XXXX XXXX XXXX has been reporting inaccurate account type and monthly payment information, which is a clear violation of the FCRA. Similarly, XXXX XXXX XXXX has been reporting inaccurate account type and monthly payment information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been inconsistent in their reporting of account type and monthly payment information across different credit bureaus, which is a violation of FACTACT. 

These inaccuracies have had a significant impact on my life. For example, I have been trying to secure a mortgage to purchase a home, but due to these inaccuracies, I have been denied the loan. Additionally, I have been unable to obtain credit for other important expenses, such as a car loan or a student loan, which has further hindered my ability to improve my financial situation. 

Therefore, I request that you assist me in enforcing my legal rights under the FCRA and FACTACT. Specifically, I request that the listed creditors remove these unverified collection accounts from my credit report. I believe this will help me improve my credit score, which will, in turn, enable me to obtain the credit and financing that I need to live a better life. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX  Acct. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.

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 2023-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Experian, XXXX and XXXX are different, which means the account has not been properly verified legally.

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 2023-03-25 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/XXXX My Kia XXXX was totaled. Between The insurance company ( XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from Kia Motors stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called Kia and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from Kia Prior to that notice on my report. I have two letters from Kia finance who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with Kia with no additional 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