vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I invested into to Capital One Auto Finance XX/XX/year>. ( acct # XXXX ) The means of investment was an extension of credit. The instrument that was used to extend me credit was an application. That application that I filled out and provided to them was a SECURITY. Per their Prospectus report, filed wit the SEC, they stated that they transferred and securitized my security, which is COMMINGLING and SECURITY FRAUD! The {$10000.00} balance posted on my consumer report is INTEREST OWED TO ME!!! I sent them MULTIPLE LETTERS REVOKING THEIR POWER OF ATTORNEY, and didn't get a response. The information posted on my consumer report is FALSE and MISLEADING. Due to this FALSE and MISLEADING information, it shows that you are not properly performing the duties quoted in your indenture, thus you are BREACHING YOUR COVENANT and FAILING TO PERFORM YOUR FIDUCIARY DUTY. The Indenture Trustee and Issuer are required to perform as specified within the Indenture. Capital One Auto Finance also stated that they wouldn't list notes on any exchange, However this is more FALSE and MISLEADING information. I have gotten a CERTIFIED FINANCIAL SECURITIZATION AUDIT done on my account and I PROOF that they are trading on the SECONDARY MARKET!! I have gathered ALL of the Necessary information to pursue Litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The Creditor did not have the consent of the Surety to talk to the debtor regarding the debt by law that exonerates the Surety and discharges the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this 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 non-monetary relief
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft. I contacted the credit bureaus to notify them that my identity was stolen and forwarded them my identity theft report as well as a list of fraudulent account and personal verifying documents and they failed to make any corrections to my credit report. I have no knowledge of these accounts and I believe I was hacked. I really need this misinformation to be removed from my credit reports 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
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
More than a week ago, I requested, by filing IRA distribution form, synchrony bank to transfer the total amount, on the maturity date ( XXXX ), for IRA account No. XXXX, to my synchrony high yield savings account XXXX. 
I informed, more than four times, I need money from the account to pay my bills, including Medical bills, synchrony bank to put the total money on the morning of XX/XX/year> to my above account XXXX. 
Even at XXXX XXXX, my money, which I need very badly, XXXX synchrony bank has NOT deposited the above money, for at least {$1300.00}, in my above account XXXXthis is nothing but an illegal ACT intentionally Committed by synchrony bank so that I will not be able to pay my bills, as stated above, ON TIME. 
You people at consumer protection bureau must know that this XXXX, XXXX, synchrony bank is far worst than XXXX XXXXXXXX XXXX. Still you people do not take any action against this corrupt and XXXX bank. 
Please HELP me. Thank 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 explanation
Consumer complaint received 2024-03-18 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX I XXXX XXXX am submitting this complaint on my own behalf RE : Inaccurate late payments, charged off accounts-IMMEDIATE action required. 

I noticed that you're continuously reporting inaccurate, unverifiable information, and errors on my credit report after my initial disputes indicating that I was late on the account noted below : XXXX ACCT # XXXX explain how you can report these negative marks when I was never late? I am demanding proof showing I was late. You never proved that I was late. Therefore you must update my credit report to reflect PAID AS AGREED/OK. 

XXXXXXXX XXXX ACCT # XXXX Experian, XXXX XXXX and XXXX are reporting different payment statuses, last reported dates, dates last active, inconsistent payment history as referenced on attached credit report.This account is reporting by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. 

XXXX  XXXX XXXX ACCT # XXXX XXXX and XXXX aren't reporting this account at all, yet EXPERIAN continues to report it.This account is being reported by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. 

Furthermore I would like to remind you of four laws that indicate you can not report this type of information on my credit report.

Under 15 U.S. Code 1681b Permissible purpose of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION TO FURNISH THIS ON MY CREDIT REPORT.No consent is fraud-therefore you can not legally report these alleged charged off accounts, or late payments to my credit report Under 15 U.S. Code 1681 section 602A-state that I have a right to privacy.

Under 15 U.S. Code 1681b-Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore legally you can not report this information-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
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Hi CFPB Staff, I made a purchase from XXXX XXXX XXXX XXXX XXXX  under the premise of receiving an additional {$150.00} statement credit on my Synchrony/XXXX XXXX XXXX  ( attached as Confirmation & Order Status for your Order # XXXX ). This is a Synchrony provided store card for XXXX XXXX. I based this premise on the promotional email which I have included ( attached as Get up to a {$150.00} credit! XXXX XXXX ). 

I complied with all the terms of the offer : Making the purchase between XXXX and XXXX ( XX/XX/XXXX actual purchase ), making monthly payments on time, keeping my account in good standing, and submitting a request for the credit to Synchrony in a timely fashion ( Done on XXXX, attached as Synchrony XXXX XXXX - Your Submission ID # XXXX, includes some unhelpful back and forth with Synchrony rebate support ). 

Here 's a record of the contacts I was able to find in my logs and emails. 

XXXX Email reply to Synchrony request submission email asking for update, was told I needed to wait the full 90 days after the promotion ended by XXXX XXXX. 
XXXX XXXX around XXXX. Can't remember the name of the agent. Spent most of time trying to get them to understand what the problem was. Zero help. 
XXXX Outgoing @ XXXX to XXXX. Spoke to a woman whose name I do not remember, she said she could see the submission and there were no issues, asked me to be patient and wait for it to be processed. 
XXXX Outgoing @ XXXX to XXXX. Got through the automated system and the call was disconnect by XXXX rebate center. 
XXXX Outgoing @ XXXX to XXXX. Spoke to XXXX XXXX this time over the phone instead of email. Told me she couldn't help me, and I needed to call the main line. Denied my request to speak with a supervisor. 
XXXX Outgoing @ XXXX to XXXX. Spoke with XXXX who claimed he put in a request for management review and that I would receive a written decision within 5 business days. I never received anything via email or mail afterwards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Ive never received written notice about alleged debt certified mail please send proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
Debt Collection name : [ Jefferson Capital systems ] Debt Collection address : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ] Account number : XXXX Account number : XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. 
I also attached XXXX XXXX XXXX XXXX where company can collect debt from. 
Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I have ran into financial hardship. I reached out for help from my Carrington and was directed to Missouri 's XXXX program and was told at first that was all that could be done for now. I contacted XXXX XXXX in XXXX for help with the application, which they did but never filed with XXXX. I call Carrington back the following month to check up on progress. This is when I am informed that Carrington has options for help which should have been offered first. This time they opened an application online for me to fill out. This application submission window closed because Carrington 's website would not accept the uploading of documents that were within the file and size requirements. XXXX months into the process I discovered why the documents would not upload. In the coding of the portal is restricted to smaller than requested. It was a simple coding mistake. Carrington 's response when notified about the issue was " No wonder people complain about it not working all the time ''. my house is now in foreclosure with a sale date of the XXXX, I am needing help because I dont think that the legal process was followed along with the misadvertised file size and piecing out information that extended the process to apply for help. It was like Carrington was gatekeeping assistance avenues and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
XX/XX/21 im in reciept of a report claiming that i owe XXXX XXXX # XXXX according to the fair debt collection practices i have a right to the allegeddebt validation

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 2024-03-18 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: IL

Complaint narrative:
XX/XX/21 im in reciept of a report claiming that i owe XXXX XXXX # XXXX according to the fair debt collection practices i have a right to the allegeddebt validation

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 2024-03-18 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: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE A FRAUDULENT ACCOUNT IN THE AMOUNT OF {$650.00} ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. IT IS HURTING MY ABILITY TO OBTAIN CREDIT. 

ALSO I DO NOT RECOGNIZE, NOR DID I GIVE XXXX XXXX XXXX AUTHORIZATION TO CONDUCT A HARD INQUIRY ON MY REPORT DATED XXXX. PLEASE REMOVE THAT AS WELL

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 2024-03-18 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: TX

Complaint narrative:
I was a victim of identity theft. I contacted the credit bureaus to notify them that my identity was stolen and forwarded them my identity theft report as well as a list of fraudulent account and personal verifying documents and they failed to make any corrections to my credit report. I have no knowledge of these accounts and I believe I was hacked. I really need this misinformation to be removed from my credit reports 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 non-monetary relief
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. I contacted the credit bureaus to notify them that my identity was stolen and forwarded them my identity theft report as well as a list of fraudulent account and personal verifying documents and they failed to make any corrections to my credit report. I have no knowledge of these accounts and I believe I was hacked. I really need this misinformation to be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief