vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Bank which does financing for Amazon XXXX. 
Charged approx {$990.00} dollars XX/XX/year> with 6 month deferred interest. Overpayments made after were applied to the deferred interest as opposed to the non promotional balance. XX/XX/year> shows owing aprox XXXX on promotional and now have to pay {$650.00} on non promotional or pay interest. I asked why the overpayments were not applied to non promotional. There is no way to break out where you pay when making payment. I requested that the overpayments be corrected and applied to the non promotional and was declined with the following response. 
Thank you for your recent inquiry regarding your Amazon Store Card account, and the opportunity to be of service to you. 
Federal Regulations require that we apply amount in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest until the payment is exhausted. There is an exception to this rule for deferred interest promotion. In the last XXXX billing cycles before expiration for any deferred interest promotion, any amount paid in excess of the required minimum payment amount must be allocated to the expiring deferred interest promotion. 
Unfortunately, we are unable to accommodate your request as, XXXX We are only able to reallocate payments to and from deferred interest promotions. We will only reallocate a payment if the request is made within 60 days after the transaction date of your payment as shown on your statement. Payments can not be reallocated from an expiring deferred interest promotion. Payments can not be reallocated as it is less than or equal to the minimum payment due. Payments you requested to be reallocated has not been received

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 2024-11-04 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: FL

Complaint narrative:
VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX I am writing to verify that you have the right individual and to request that you provide documentation confirming this. 

Please supply me with a contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1.The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof the the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting this debt until you have provided validation of the debt.

Additionally I request that you do not access my credit report or report anything to credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I am writing to verify that you have the right individual and to request that you provide documentation confirming this. 

Please supply me with a contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1.The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof the the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting this debt until you have provided validation of the debt.

Additionally I request that you do not access my credit report or report anything to credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to 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 2024-11-04 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. XXXX XXXX XXXX, account number : XXXX, balance : {$210.00} XXXX. XXXX XXXX XXXX XXXX, account number : XXXX, balance : {$4300.00}

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 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally complain about my experience with MR Cooper/Nationstar Mortgage concerning my loan modification process. My situation involves significant difficulties that have impacted my ability to manage my loan effectively. 

In XX/XX/year>, I was informed by representatives that a Notice of Default ( NOD ) had already been filed against my account. Based on this misleading information, I believed my options for negotiating a payment arrangement were limited. I only received the NOD in XX/XX/year>, indicating that I was still within the timeframe to work out a payment arrangement. 

Under California state law, specifically California Civil Code 2923.4, there are protections in place for homeowners, particularly elderly individuals, against misleading information from lenders. Misleading an elderly homeowner regarding their loan status can constitute a violation of this law, which aims to prevent unfair and deceptive practices in mortgage transactions.

The misinformation I received not only created confusion but also led to unnecessary distress and financial uncertainty. Had I been accurately informed about my loan status, I would have pursued a resolution much earlier.

Since the NOD was filed, I have experienced an influx of solicitors and other visitors to my home, which has created an uncomfortable and intrusive environment. This situation has added to my distress, as I am being approached by various individuals related to the loan process. Under California Civil Code 2923.4, there are protections for homeowners, particularly elderly individuals, against misleading information from lenders. Misleading an elderly homeowner regarding their loan status can constitute a violation of this law, which aims to prevent unfair and deceptive practices in mortgage transactions. 

Also. For over a month now, I have been unable to upload my loan modification documents due to a persistent error code ( 500 ) on their online portal. Despite multiple attempts and reaching out to customer support, the problem remains unresolved. This technical issue has severely hindered my ability to submit necessary documentation on time and has caused considerable anxiety regarding my loan status.

I am seeking your assistance in addressing these issues with MR Cooper Specifically, I would like the CFPB to investigate the ongoing technical problems with their loan modification portal and the misleading information provided by their agents. It is crucial that lenders provide accurate and timely information to their customers, especially in matters as serious as loan modifications and defaults.

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your help in ensuring that consumer rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Our business checking account was used for fraudulent purchases on Sunday XX/XX/year>. I called keybanks fraud hotline twice on Sunday and was left on hold without ever speaking to a single person. I sat on hold for over an hour. Live chat with an agent is also not available outside traditional business hours. I then called the fraud hotline Monday XX/XX/year> during business hours and sat on hold for another hour without speaking to a single person. There is NO response to fraud threats or acts of fraud. No prioritization or urgency whatsoever. Two days of attempting to contact Keybank regarding over {$700.00} of fraud and they have not even picked up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
identify you and your account. 
I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX- XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX  XXXX {$46.00} XX/XX/XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Report shows 1 out of 4 accounts being paid on time. I have been paying all of my accounts. 
I have no debt, only one XXXXXXXX XXXX XXXX  being paid on time with XXXX balance. 
XXXX XXXX XXXXXXXX XXXX loan being paid on time, never missed a payment. 
Mortgage loan is current, been paying on time last 5 years. 
Bankruptcy Chapter XXXX was completed XX/XX/year>. All done paying back Trustee  with no lapse or missed payments. 

I have not debt, all is paid for.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I have submitted a dispute for a large amount ( multiple transactions ) of unauthorized transaction that happened on XX/XX/XXXX for total amount of {$1900.00}. It has been about a month now and still no provisional credit has been given. 

I only received a notice that they are working on it without any specific dates. Even though they are still investigating and will take over 30 days now they have no provided any provisional credit or a permanent credit. Not providing the any credit for the unauthorized charges at this point when the time has significantly passed is a clear violation/breach of the consumer contract. 

As I said, I can wait until the investigation to complete, but I will need to have the proper provisional credit to be provided - if the investigation will continue further than 30 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE THESE ARE KEEPING ME STRESS, THESE LATE PAYMENT REMARKS ARE NOT MINE, PLEAS HELP ME RESOLVE THESE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
I submitted documentation via priority mail w/ my personal information and letters from and the company stating they never recieved by documentation when it shows it was delivered my tracking number from the XXXX XXXX tacking number and I have a receipts.

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 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-11-04 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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