vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: AL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the accuracy of the credit information that Experian has reported on my credit report. Specifically, my account with XXXX XXXX  ( Account Number XXXX ) was reported as being 30 days late on my Experian credit report, while other credit bureaus did not report any late payments on this account. 

I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities.

Therefore, I request that Experian investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete.

In support of my dispute, I have enclosed a copy of my credit report from XXXX and Experian that shows no late payments on my XXXX account. I also have attached any other evidence I have that demonstrates that this account was not 60 days late. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

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 2023-02-20 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
I did not authorize the local branch to do an hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I completely paid off my XXXX XXXX Account Loan on XX/XX/2023 and have yet to receive the the payout of {$720.00} that was promised once the loan was paid off completely. 

After the account was already paid off completely, I received a request to send in documents to verify my ID, and bank account. 

I provided a picture of my ID, SSN card, a picture of me holding the ID and a copy of my bank statements on XX/XX/2023 but have yet to hear anything back from them. 

I've initiated multiple chat sessions where I'm told that someone from a different deparment would contact me soon but have yet to receive one communication. I've also emailed their Disputes department just to be told that someone would contact me within 48 hours but have still not been contacted once. 

This loan was held as security and would be payed to me once I paid off the total amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My house caught fire and burned down on XX/XX/2021. My insurance company XXXX paid for the damage to my home and it was placed into an escrow account monitored by Mr. Cooper. I unfortunately was paid an initial amount out of the insurance funds which was stolen by the contractor. I have since accumulated the funds to get the house underway and have attempted to get additional insurance funds being held in the escrow account to continue with rebuilding my home. Mr. Cooper has repeatedly made false statements, inconsistent statement and blatantly stalled providing any further funds to me for my home. They reported one inspection of the home was at 10 % completion and needed to be at 25 %. On the second inspection they said my home was at 1 % completed. How can you unbuild a home? It has 4 outside walls, a roof, floors, interior walls, windows, doors and a full basement with poured concrete. Countless hours have been spent on the phone getting understand what they are doing and why no monies can be released which is hoping up the progress on my home be finished.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX Act # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX  Act # XXXX XXXX Act # XXXX XXXX holdings Act # XXXX XXXX  Act # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX  also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a consumer by law. I did not submit this in error. I never gave Transunion my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

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 2023-02-20 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: DISCOVER BANK
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Account With Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Medical collections under {$500.00} are supposed to be deleted from reports. Experian did not delete the account which damages me as a consumer XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}

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 2023-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: OR

Complaint narrative:
This wasn't a frequent call, it was more that they called me at XXXX XXXX  to get me to give them information on my XXXX XXXX XXXX step-son who has not lived with me or even lived in the same state as me in nearly 20 years. My step-son has never shared a phone account with me not do we have similar numbers. We don't share any financial anything together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This issue pertains to a dishwasher I had purchased on XX/XX/23 at Lowe 's in XXXX XXXX, IL. I was planning to use my Lowe 's Credit Card ( Synchrony bank ), a 10 % off coupon from Lowe 's ( when using the Lowe 's credit card ), and a {$25.00} gift card. The associate applied the 10 % coupon to my order ; however, when she applied the {$25.00} gift card, the coupon was no longer valid. The associate told me since the gift card was already used and the funds were un-retrievable, we would have to complete the purchase, refund the purchase ( giving me the {$25.00} gift card as Store Credit ), and redo the purchase again without a gift card ( just the 10 % off coupon+ Lowe 's Credit Card ).

The front desk and assistant store manager had to get a hold of IT but the refund of {$850.00} was made ( {$25.00} given as store credit in a card and the rest ( {$830.00} ) supposedly refunded to my Lowe 's Credit Card account with Synchrony Bank - see attached receipt time-stamped XXXX XXXX  ). Immediately afterwards ( XXXX XXXX  ), the purchase was made again ( with just the10 % coupon, for a total of {$810.00} ). 

I was told the refund would take a few days to be applied to by Lowe 's Credit Card account with Synchrony. After 15 days, I saw no refund on my online account, so I called Synchrony Bank ( XX/XX/23 ). I was informed the store never put in the request for the refund as no refund was pending on my account. 

I am asking for a refund of {$830.00} There was a letter sent by Synchrony bank stating they were looking into this issue and no payment is required at this time, while the charge is under dispute. However, this letter this no longer available online ( leading me to believe something suspicious is going on- I can't trust Lowe 's for their word as stated previously with the refund that was never processed by the XXXX XXXX Lowe 's branch ). 

I am told the dispute investigation can take up to 60 days and is not guaranteed. Synchrony never asked for any receipts or details so I am not sure what they will be investigating.

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 2023-02-20 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute an entry on my credit report regarding an account with XXXX XXXX  XXXX. The account in question has been charged off and has an account number of XXXX. 

I also want to dispute an inquiry on my credit report dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. 

I believe that these entries are inaccurate and/or incomplete and do not reflect my credit history accurately. I request that you investigate these entries and provide me with the results of your investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I also have the right to request that the credit reporting agency remove any information that can not be verified. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation XXXX. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX  {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation XXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of XXXX XXXX. XXXX XXXX XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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 an account without my written instructions. 
Violation XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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 an account without my written instructions.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX XXXX XXXXXXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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 an account without my written instructions.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation

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 2023-02-20 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: FL

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.

These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation XXXX. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX  {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation XXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX XXXX XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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 an account without my written instructions. 
Violation XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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 an account without my written instructions.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  XXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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 an account without my written instructions.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-02-20 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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