vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Attorney - XXXX XXXX XXXX XXXX  On behalf of Synchrony Bank XXXX, WA XXXX RE : Account XXXX Dear XXXX, I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter.

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 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: TX

Complaint narrative:
I received a debt collection letter from Johnson Mark XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas XXXX XXXX. Referencing my anticipation of a possible tax refund. XXXX XXXX may request a 1099C form with the Internal Revenue Services to cancel debt of $ XXXX. 
Attorney XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX, placed a lien on my XXXX and XXXX XXXX XXXX XXXX  checking and Saving and received {$2700.00} from both accounts., I did file a complaint with CFPB XXXX. I received a release from XXXX XXXX XXXX XXXX. And today I received a letter from Johnson Mark demanding an additional amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I was behind on my car payment with Prestige Financial. I was trying to work out payment plans as I was off work for a while. No notice of a repossession was sent to me they came at XXXX in the morning and took my vehicle it is at Auction as we speak to get sold. It isnt showing on my credit as repossession it is showing as an open Auto loan. I am trying to get a car so I can get to work and cant because of this mess. This company was not willing to help and wont communicate with me since they took my car without notice. I still have both sets of keys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM LIVING SO PLEASE DONT CLOSED OUT THIS COMPLAINT WITHOUT SENDING ME VERIFICATION AND A RESOULUTION. 

15 USC 1681 ( I ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
Lender, Lakeview Loancare bought my loan from XXXX Mortgage. The Lender has been terrible since purchasing our mortgage. Have never had such issues where my mortgage fluctuates from month to month. This lender can not tell me why it continually adjusts other than they did a reassesment. Loan # 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 2024-02-12 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
I contacted Trans Union due to the fact that there were several non-mailable addresses, phone numbers emails, several different names that did not apply to me And ask them to remove them from my credit report, as well as ask them for the third-party agencies that shared this information and violated the privacy act of 1974 trans Union did remove them from my account but would not share the third-party agencies as to. I am eligible for compensation at {$1000.00} per violation from this company and I am looking for my compensation. There was XXXX items removed from my account that I am owed compensation for as well as the physical and emotional distress. This has caused me from being denied due to these items, being on my account and impacting me and many different ways! I am looking to report these companies and also collect compensation due to this. I believe I am owed XXXX for the XXXX items and another {$8000.00} for emotional and physical distress for a total of {$27000.00} from TransUnion. They have violated these statues and rights and violations of privacy information and I Opd out of this! As well as reporting payment history which is illegal and charge offs which is a certificate of inedebtness and is reported as income and is not reportableTrans Union, XXXX, and XXXX have all violated these laws and I would like compensation for that as well {$1000.00} per violation I am counting over 40 violations on my credit report, as well as a physical and emotional distress due to not getting fair credit they are all guilty for violating the privacy act of 1974 and many other federal laws and they have over 50 inquiries on each creditors report that are illegal a well! 


Rights violated - Privacy act of 1974 Ucc 1681 Ucc 1692 15 usc 6802 -6805 16cfr 313 16 car 433.2 & 3 15usc1692

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
ALLY ACQUIRED OLLO, BUT FAILED TO CORRECT ALL LATE PAYMENTS REPORTING TO ALL CRAS,

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 

Items below should be deleted as soon as possible due to identity theft : Addresses : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Collection account as listed below : XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Inquiries as followed below : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute unauthorized and inaccurate inquiries on my credit report. I will appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
a credit card was opened in my name without my knowledge. at the time the account was open i was a underage of having a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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: NM

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.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
My student loans were transferred from Nelnet to XXXX in XXXX of XXXX. A year later, the nelnet accounts are still showing as open on my credit reports resulting in double the amount of loans on my report than I truly have. I have emailed nelnet to get this resolved with no response to them. I filed a dispute with XXXX  regarding the loans on XX/XX/XXXX. However, the disputes were closed on XX/XX/XXXX and the loans left open on my credit report. Nelnet has had a year to make this right and they have not. This negatively affects my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear reviewer, I am writing to dispute late payments on my credit report that I noticed upon the review of my Consumer Credit Reports which resulted from identity theft. These discrepancies in question is regarding the payment history section of my XXXX  Account ( Account Name : XXXX XXXX Account XXXX # XXXX ). Experience Credit Bureau reported missed payments multiple dates which are showed on the attached supporting documentation. I had never been late on my XXXX credit card payments and the account which was registered in my parents address had XXXX balance. After further investigation, I discovered that these late payments were not made by me, but rather by an identity thief. I tried disputing this through XXXX, but they indicated that my account is close and could not assist or do anything for me. I was astonished by their response as they are responsible for helping current and past clients to resolve issues. My only option was to submit my claim through cfpb. 

I request that you please investigate and remove these inaccurate late payments from my credit report as soon as possible. I have attached relevant documentation, including a copy of the Credit Bureau Reporting that I am now paying XXXX XXXX  monthly to XXXX  in order to continue to protect myself from future identity theft. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes and correct any inaccuracies promptly. I hope to get response within 30 days and hope that these charges can be removed from my credit report as I have NEVER ever been late on my XXXX payments. I sincerely hope that this request will result in favorable outcome to clear my name. 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 2024-02-12 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all financial institutions by definition under that title. 

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so that I can receive a open end account with them ; to receive payments with them and defer. 

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report about me to any XXXX party, and I have a right to privacy, which is attached to this complaint. 

TransUnion needs to provide strict proof that the alleged creditor ( XXXX XXXX XXXX XXXX XXXX ) is, indeed, the secured party and holder in due course of the aforesaid alleged original agreement in issue and has an enforceable perfected security interest therein pursuant to and in compliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

TransUnion and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ) which have not been honored. 

Ive requested my consumer file numerous times and haven't received it, only my consumer report which still shows inaccurate non-public information. ( proof has been attached ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist/Settlement offer Opt Out Confirmation ( XXXX ) Identity theft report Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule Invoice

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