vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my XXXX XXXX XXXX XXXX credit report, and I noticed some late payments posted on my consumer credit card by Synchrony Bank/ JCP acct number XXXX. Your company is in clear violation of the FCRA. 15 USC 1681 Section 602 A states I have the right to privacy. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions to furnish this on my credit report! Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Update the above late payments from my consumer report to paid as agreed. This creditor is in violation of 15 USC 1681 Additionally above creditor Synchrony Bank/ JCP acct number XXXX has been reporting inaccuratly to all 3 CRA ( XXXX, XXXX and XXXX ). Please see attatched documents and credit reports. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 602A of FCRA Synchrony Bank/JCP ACCT # XXXX is not reporting properly. I have recieved a total of XXXX different reports from said account mistakes ranging from inaccurant account history/ late payements dates/ account type/ account closed dates/ account open dates. I have been denied a loan already. Ive spent the last month trying to get this corrected all while in need of a vehicle. It has caused me a great deal of stress and time trying to sort this out. All steming from inaccurate/ legal violations of FCRA from said creditor. Thank you very much for your time.

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 2024-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/year>XXXX  I contacted Equifax about unautorized and inaccurate fraudulent accounts that I disputed that came back verified! XXXX the supervisor from Equifax fraudulent dept that I the consumer spoke to from XXXX XXXX  to XXXX XXXX  est on XX/XX/year> stated that he did not see my police report attached to my complaint from the CFPB # XXXX. I stated to XXXX from Equifax I the consumer can see my CFPB compliant # XXXX has my local police report attached. XXXX disregarded my statement making me feel not important causing emotional damage. XXXX also stated that my FTC report was not valid.I XXXX XXXX the consumer question XXXX from Equifax how is my FTC report is not valid. XXXX stated that he could not tell me why it was not valid I would have to send an updated FTC report. I notified XXXX he had violated on behalf of Equifax my consumer rights following the guidelines of the FCRA. XXXX ended my call without notifying me that the call would be ended. I am also filing a complaint with XXXX  for XXXX the supervisor at Equifax. At XXXX est I the consumer spoke with XXXX XXXX the Fraud dept of Equifax and stated that I was just on the phone with XXXX and he had ended our call.Shree apologized for XXXX XXXX action and asked how may she assist. I the consumer stated to XXXX that Equifax has violated so many laws according to the FCRA guidelines. XXXX stated that I would need to send an updated FTC report reporting this matter so the accounts can be DELETED. New FTC and police reports will be attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Solar Mosaic LLC
State: MI

Complaint narrative:
Company refuses to serve me as a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: SECURITY CREDIT SYSTEMS INC
State: NV

Complaint narrative:
XXXX XXXXXXXX. The matter is reported to the authorities. United States Department of Education, get these perjurious panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive contacted Experian, XXXX XXXX XXXX by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called Experian today XX/XX/XXXXXXXX XXXX XXXXXXXX EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX  keeps calling me, every day nonstop. They call me more than XXXX times a day from multiple phone numbers. I blocked the numbers and they call me in private. I told them I am not employed and I have a child. I cant pay my debt at the moment. Theyve been calling me repeatedly for more than XXXX months already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the 1099c which means the debt was cancelled according to IRS.

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA.

FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the 1099c which means the debt was cancelled according to IRS.

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA.

FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was promised employment by a copy called XXXX then the company apparently sent me a check to deposit in my account that I needed to send to a an Office equipment supplier called XXXX XXXXXXXX. I deposited the money but before it could clear I was asked to send an equivalent amount via XXXX. I tried to send the {$4600.00}, in XXXX chunks through my accounts at XXXX XXXX XXXX and Wells Fargo. I was asked to send the money via through XXXX XXXX XXXX XXXX declined the transfer because according to them XXXX was not a registered XXXX user. However, Wells Fargo transferred the money in XXXX chunks without any questions asked. 
Here are other emails of individuals connected with this scheme : XXXX : had online chats from XX/XX/scrub>XXXX  to XX/XX/year> XXXX : email directing me to reach XXXX above XXXX : sent me the checque XXXX : received the XXXX transfer XXXX : affiliated name is XXXX XXXX I also have copies of XXXX transactions to 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Last year, XXXX year ago this past XXXX I received a call from what appeared as the credit card company XXXX XXXX. I generally dont answer calls unless they come up as a contact which the phone in question did. It was early in the morning and a woman who identified herself as a XXXX  XXXX representative asked me if I was trying to charge {$1000.00} on my account for a game system and I said no because I was at my credit limit at {$300.00} already plus I didnt play games so I wouldnt buy a {$1000.00} game system even if I could. The woman advised me that my account was in jeapardy and that she was putting the supervisor of XXXX XXXX on the phone immediately. A man by the name of XXXX XXXX got on the phone and urgently told me that I was needed to help catch whoever was trying to fraudulently use my credit card so I agreed. XXXX XXXX XXXX had me download a XXXX XXXX and then I was told to go get a {$300.00} XXXX gift card, which I was going to be reimbursed, and to tell him when I got it so he/they could instruct me on what to do with it so I did. After I got the card and gave him the information suddenly he vanished and then I checked my account and saw that another {$300.00} XXXX gift card was purchased from my account. I got alarmed and called XXXX XXXXXXXX to find out what was happening and I was told that they never called me blah blah so I told them about what happened and they were hostile to me, called me a liar and a thief, hung up on me and when I called again they treated me bad again, refused to give me the identity theft information that I paid for, demanded that I pay for the fraudulent charges and closed my account. Then they reported that I was late on my payments to the credit bureaus and sold my account to a collection agency. I was never late in my payments but I did refuse to pay for the fraudulent charges. Now today at XXXX MST a man who didnt identify himself other than he represented a Id theft company called me about XXXX XXXXXXXX false charges and tried the same as the last scammer.

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 2024-02-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2024-02-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I submitted an application for an Income Driven Repayment plan ( specifically the Income Contingent Repayment plan ) through the studentaid.gov website in XX/XX/XXXX with an estimated monthly payment amount of {$170.00}. My servicer MOHELA received that application in XX/XX/XXXX. However, it is now XX/XX/XXXX and MOHELA has still not processed the application or changed my repayment plan, and they are billing me on the same Level/Standard plan. I called them on XX/XX/XXXX to ask why the repayment plan type has not changed, and they could not provide a straight answer other than telling me that the administrative forbearance ( which MOHELA themselves applied while processing the ICR application ) may have interfered with processing the application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I received an alert saying XXXX XXXX XXXX attempted a hard inquiry. I called XXXX and they didnt see an application for a line of credit. This inquiry is still on my credit report and I want Trans Union to contact me about this and remove the inquiry. 
XXXX # XXXX XXXX type : pull attempt while locked

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 2024-02-06 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: Experian Information Solutions Inc.
State: IN

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 explanation
Consumer complaint received 2024-02-06 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: AL

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error SPEC LOAN SV Account XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity

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 2024-02-06 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: TX

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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