vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have 2 Collections showing on my credit report 1. XXXX XXXX and 2. XXXX XXXX. I have requested proof of these belonging to me. After 3 requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am XXXX XXXX XXXX, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the XXXX benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
At the beginning of XX/XX/2022, I lost my wallet and immediately locked all credit and debit cards before ordering replacement ones. On XX/XX/2022, I received my replacement Barclays XXXX XXXX. I activated the card and unlocked it. 
Immediately after doing this, XXXX transactions that I did not recognize or authorize appeared on my balance. The vendors were XXXX XXXX XXXX for {$14.00}, XXXX # XXXX for {$4.00}, and XXXX XXXX XXXX  for {$210.00}. I called Barclays immediately to report fraud and they sent another replacement card. On XX/XX/XXXX, I received a letter from Barclays stating that they found the charges valid due to " chip card technology was used, which can not be counterfeited. '' After calling their fraud department to once again report that I did not make these purchases, they requested that I file a police report to share with them. I have attached a copy of the transactions from my balance, as well as the police report I shared with them. 
I also placed a fraud report on my credit report and submitted a claim with XXXX to ensure Barclays I did not make these purchases, and have attached copies of those as well. 
After receiving these documents on XX/XX/XXXX, Barclays started another fraud investigation. I have now been sent no updates and have now called twice to inquire as to any findings. Both times, the person I spoke to said there have been no updates and when I asked what's been done in terms of investigating, they gave no clear answer. So, I do not believe they are actually investigating the fraudulent purchases. Due to how long it's been, I've had to pay the minimum pay due amount in order for there not to be an impact on my credit score. These purchases have also accrued interest that I will be responsible for.

I don't feel that Barclays has taken this issue seriously, and is hoping to leave the " investigation '' open until I end up paying off these charges or leave them to harm my credit score. I'm especially irritated as these charges came simultaneously immediately after I activated my new card. I'm not sure how this even happens as I had just received the new card so the number shouldn't have been available for anyone to use.

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 2022-07-26 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: TX

Complaint narrative:
15 U.S. Code 1681 Equifax has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them. 

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Equifax could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed Equifax over 4 times with this. And yet Equifax STILL shows this account. I am within my legal rights to demand this account be removed from my equifax report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well. 

3XXXX XXXX XXXX - Collections account - This account was paid in full and XXXX  XXXX greed to remove this from my report and yet it still shows in my equifax credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Equifax has NOT done this! 

I am left with no choice but to start legal procedure against Equifax if these accounts are not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This inquiry reporting on my consumer report is unauthorized. There also was no consumer benefit from this inquiry. 

XXXX XX/XX/21

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 2022-07-26 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This inquiry reporting on my consumer report is unauthorized. There also was no consumer benefit from this inquiry. 

XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent Receivables LLC elicited a company by the name of XXXX XXXX XXXX XXXX to attempt to collect a debt from me that I do not owe them. 

XXXX XXXX XXXX sent correspondence to me dated XX/XX/2022 that I received in the mail today XX/XX/2022. The correspondence states that Resurgent Receivables LLC is the creditor of the account. And that I owe them money. This is false, misleading, and deceptive statement. I do not and have not ever entered into a credit contract with Resurgent Receivables LLC for any debts. 

They are not the original credit of the debt they are attempting to collect, and the laws are very clear about Collection Agencies dealing in false, misleading and deceptive practices. 

In addition to their false claims about being the alleged creditor, they sent XXXX XXXX XXXX after me to collect on their behalf. 

To add insult to injury, XXXX XXXX XXXX is in violation of North Carolina General Statute 58-70-01 which prohibits them from practicing debt collection in North Carolina without filing a surety bond with the North Carolina XXXX of XXXX 's office. In addition to their violation of NC General Statute 58-70-01, they are also in violation of North Carolina General Statute 58-70-50 which requires them to place their permit number showing that they have a registered surety bond on file on any correspondence they send me. 

XXXX XXXX XXXX 's correspondence dated XX/XX/2022 has no such permit number on it. Under North Carolina law " a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony ''. 

I am DEMANDING that Resurgent Receivables LLC delete their inaccurate, un-validated collections from all consumer reporting agencies under my social security number. I am also requesting that they cancel the alleged debts, and cease from selling the debts due to their violation of Federal law that states that " debt collectors are prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt '' which they have clearly done. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA. 

If they do not delete the negative tradelines they are reporting under my social security number, I will be seeking all legal remedies afforded to me by law and will have to appear in a venue local to me to defend themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My living spaces/synchrony bank store credit card was closed out with a balance on XX/XX/22. I have never missed a payment, made large payment to pay off balance before the promotion expires. Synchrony has failed to notified me of the closing of my account, two statements were sent to me XXXX for XXXX and XXXX for XXXX but no closing account letter. I called them today, XX/XX/22 to ask why the acct was closed and was the account sold to a new creditors. The agent had no answer to my questions besides saying even tho the acct is closed I must continue to pay my loan because I agreed to pay it, which is correct however I didnt agree to my account closing and paying on a closed account balance which may have a negative impact on my credit. Scnchrony bank is shady and bending laws and regulations to meet their shareholders expectation and not the consumers. Im requesting an investigation into this banks policy and practices and lack of notification for closing an account

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 2022-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have inquires on my credit that was due to fraudulent information and have sent if over 30 letters to transunion and have not gotten any response.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), 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 ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Dates XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dates 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 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-07-26 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights and needs to be deleted from credit report these inaccurate addresses are not mine and needs to be deleted from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this name is not mine and violates my rights XXXX XXXX XXXX XXXX to be deleted from credit reports These telephone numbers are not mine and need to be deleted from credit report XXXX XXXX XXXX XXXX XXXX XXXX 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 consent

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 2022-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LoanCare, LLC
State: MI

Complaint narrative:
I am a consumer and home owner. I've been receiving letters everyday ( except the weekend ) since XX/XX/2022 from several different attorneys, debt collectors, home foreclosure advertisements stating that my home is in the process of being foreclosed by XXXX. Because I haven't received any prior information or knowledge of this taking place, this is a violation of the FDCPA in so many ways : 1. I wasn't given any options or a way to settle the alleged debt ( that was never verified that I owed ) that was claimed I owed. 2. Without prior knowledge that a foreclosure was in the works, XXXX has taken matters into their own hands and moved towards the process to foreclose my home and have it listed in auction. 3. They falsified documents to make it look like I owed a third party lender ( which whom I never signed a contract with to even state or agreed I owed ) and never paid. 4. They've shared my private information to these sellers, credit bureaus and agencies, and legal advocates which I did not give my consent for. 5. Coercion - I was told that if I didn't pay the house in full within six months from the date I was given the notice of my home being foreclosed, that I would lose my home unless I pay a fee to claim and file bankruptcy. XXXX. Defamation of character. Right now I'm facing foreclosure even though my home has been paid.

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 2022-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have XXXX Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After 3 requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX  balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have 2 Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After XXXX requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.

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