vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to Equifax, XXXX and XXXX and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to XXXX, Experian and XXXX and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am trying to purchase a home and everyone has been super cooperative and understanding, except Kohls Department Store. My lender, credit reporting agency and myself have been trying to get them to help us for 45 days and have made buyers and sellers wait, putting them in financial hardship. We have spoke to numerous people, got numerous promises, spent hours on hold, contacted headquarters, and have been yelled at and treated poorly in more times then not. We asked for two things that were needed to get my loan and purchase home. One was a zero balance letter that finally received after 30 day of inquiries and waiting. The next was a 30 day late I had when i was sick during pandemic. I have been a valued customer for over 20 years. I was verbally told yes twice and then called and said it was completed. Now i received a letter stating the will not do this. I have spent so mych money on appraisal and attorney to after 45 days have the deal fall threw because of one company and a unique situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: PA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S. Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to 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 2022-01-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *Please see attached documentation

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 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by FIRST CREDIT SERVICES XXXX INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : When Covid hit in XXXX, I called the gym to cancel my membership but they didnt allow me to cancel on the phone or online, they said to send a written notice, which I did. Months later I found a collection on my credit report. There is no membership fee due, I was not sent any notices of bills being past due either I was harassed on the phone and told the company I was disputing this debt and for them to only correspond with me via mail. But I kept on getting called by their robot caller and they failed to mark my account as disputes. 

This is my account regading this matter : Account name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX. 

Solution : deletion of my account from all credit bureaus ( XXXX, XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OH

Complaint narrative:
I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX *Please see attached documentation

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 2022-01-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX  SSN # XXXX DOB : XX/XX/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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony BankXXXX has been violating my rights as a natural person and federally protected consumer under 15 USC Chapter 41. They have been claiming to be the creditor and claim that I owe fraudulent debts. I am the Original Creditor- Per 15 USC 1602 ( g ). I filed an identity theft report on XX/XX/XXXX ( date shows differently because I printed it out again on XX/XX/XXXX ). I was sent back a letter on XX/XX/XXXX stating that the alleged debt was mine and they couldn't approve my fraud claim ( file attached labeled " XXXX XXXX Exhibit XXXX '' ). I sent an Affidavit of Truth to them via certified mail informing them of the violations ( & proof of each- which are attached ) they have committed that have caused much harm to myself, reputation, and overall quality of life. The Affidavit of Truth was received and I got back the green return slip letting me know it was in the hands of the CFO of the company XX/XX/XXXX. I did all steps needed to exercise my rights and Synchrony Bank/XXXX XXXX not complying. This is not my debt to pay back!

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 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This account is inaccurate and an FCRA violation. NCB MANAGEMENT SERVICE # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Please honor all request of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/21 XXXX XXXX withdrew {$200.00} at XXXX ; XXXX XXXX from my capital one 360 checking account without my authorization, I never heard of this company before and how they got my account information, XX/XX/21 {$250.00} at XXXX ; XXXX XXXX and XX/XX/21 {$250.00} was withdrawn a total of {$710.00} these errors must be corrected and on my bank statement has a telephone number XXXX TX it seems like only capital one 360 knows where the money went. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from MICROBILT, I never contacted or contracted with this company. I contacted MICROBILT by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I have been trying to pay the mortgage since XXXX XXXX. I successfully paid the mortgage last month, and have registered with their app, but the same login in user ID and password will not work. When I click on their button for having trouble to sign on and enter my account number it states they can not locate me and direct me to call. I have been on the phone for hours, and they are not picking up. There is no chat option, their website states it is coming soon. There are no branches in Illinois that they list on their website. It should never be this difficult to pay a mortgage online to an online bank. Today is XXXX XXXX and I am unable to connect with anyone in customer service to get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 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

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