vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Sent a letter to Trans Union with appropriate ID requirements, and requested a copy of my credit report and have not received a copy yet, I would appreciate a copy so I can make any necessary adjustments to my report 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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello. I paid my PayPal MasterCard ( Synchrony Bank ) off, {$16000.00}, on XX/XX/XXXX. 
When I attempted to make an approximately {$3500.00} purchase on XX/XX/XXXX, they said I had insufficient credit available. The person I talked to on the phone attempted to defend their actions, but was not able to do so effectively. Long story short, they have taken my electronic funds transfer and are sitting on at least a portion of it, probably making money on it. This seems unacceptable to me, and while I am cancelling this card and my PayPal accounts, I'd like to know if this is legal and common practice.

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 2024-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have an account with synchrony via Ashley furniture. They recently informed me that they were going to start charging me {$2.00} a month to bill me. When I tried the steps to remedy on their website, the account couldn't access my account information. This has been unchanged for weeks. A company trying to collect money should not be able to charge the customer for sending a bill. Then when trying to not incur these charges the steps you are instructed to follow do not work. I have a feeling this is by design.

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 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: IL

Complaint narrative:
A couple of weeks ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank . Never heard back from them about the job, however today I received a new debit card for a new XXXX account I never asked for. I called and they cancelled the account, advising that there had not been any activity. They said they also filed an XXXX Report. 

This comes on the heels of a letter I received about XXXX weeks ago from XXXX XXXX, saying somebody tried to open a credit card in my name but they thankfully declined it. Since I've had my credit frozen I'm not sure how PNC was able to open an account. 

I'm a XXXX and it's starting to feel like I've got a target on my back...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: FL

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.v

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to XXXX XXXX and send me a copy of my updated credit report. I give the company full authorization to investigate this matter. 

I XXXX XXXX gives TransUnion authorization to continue.

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 2024-05-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Around XX/XX/XXXX or earlier, I spoke with a customer service representative to request a payoff from my account. I was told that he was putting the request in. However, after a week I heard nothing. First off, this is a commercial lender and unlike other lenders, there was no way to request payoff automatically online without sending an email, in which you receive no confirmation or any info. 

After a week, I reached out to see where the payoff was and was told it takes XXXX to XXXX days everyday until XX/XX/XXXX, when the timeframe was mysteriously updated to XXXX to XXXX business days to receive payoff from the day of request online via email message.

I am two payments behind and have a buyer for the property, but this lender, Shellpoint Mortgage is intentionally not providing a payoff quote in a timely fashion and the sale of the property is now in jeopardy due to time restraints. Waiting XXXX weeks plus for a mortgage payoff is ridiculous. Shellpoint maintains that they don't take payoff requests via the phone and the fact that anyone who answers does not provide any type of status updates concerning your request indicates a lack of quality service to clients. Additionally, the employees there seem to take it personally if you ask questions often being rude, short, and curt providing responses such as " oh well '' " not my department '' " That's all I can tell you '' " You'll get it XXXX to XXXX days after the request '' " That department doesn't take phone calls '' " There is no update ''. 

In over 20 years of working with lenders, this is one of the most unbelievable experiences, if I myself was not personally experiencing it. I need the payoff quote today or I will be unable to pay this loan at all, perhaps that is the goal of the lender to intentionally cause additional financial hardships for customers who care about paying their bills ontime.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
credit inquires improper use of your report dont regonize

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 2024-05-10 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
credit inquires improper use of your report dont regonize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit report item disputed on XX/XX/2024. 

Consumer TransUnion credit reports get locked out of viewing their credit report after entering any dispute. It's unfair that a consumer is locked out for disputing one item on a credit report. XXXX and XXXX don't deny a consumer access to their website due to a single dispute for up to XXXX days! If a consumer attempts to check too often by logging in to their TransUnion account, their account gets locked out, as happened to me today XX/XX/2024. The representative stated that it could be a username/password issue however, that was incorrect as my credentials were saved on the browser and the access was NOT locked out due to multiple incorrect attempts. I confronted the representative about it and they unlocked the account. Please STOP TRANSUNION from allowing them to stop displaying a consumer 's credit report due to a current dispute and even worse, locking a consumer from viewing their report by locking them out of their account. It's challenging and time-consuming having to go through their IVR system to qualify to speak to a representative. 

Also, asking questions about relatives that I have not been in contact with for over XXXX years and no longer living in the area and having that as a question including buying a home in a new state is an UNFAIR question. I had to ask other family members to get the answer/confirm that the person left the state that I thought she was living in, moved to Florida, and then confirmed that she purchased a home in Florida. It's an UNFAIR security question!

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This submission has not been submitted before and this is not submitted by XXXX XXXX XXXX. I just reviewed my credit report and found several accounts that are violating my rights In Accordance with the Fair Credit Reporting Act Convergent. The accounts listed below are violating my rights according to these Laws 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.

Furthermore, please provide the following information and if you can not provide every single document to me, please remove the below accounts asap or I will be forced to file a major lawsuit, report this to the XXXX  and contact the Federal Trade Commission.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am experiencing communication tactics issues with MIDLAND CREDIT MANAGEMENT. Despite my requests to cease communication or limit contact to specific channels, they continue to harass me with repeated phone calls. These calls are often made multiple times a day, which is disruptive and causes undue stress and XX/XX/XXXX. Additionally, some representatives of the collection company have used abusive language during these calls, further exacerbating the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peer Advisors, LLC
State: LA

Complaint narrative:
Compu-link, Conducted a non-judicial foreclosure on XXXX XXXX XXXX XXXX XXXX La XXXX XXXX Louisiana is a judicial state. Due to this wrongful foreclosure due process laws were violated. During this sale an amount of XXXX was completed. The deed was never transferred. After XXXX years the house as of today is titled to my parents. Louisiana law after you initiate a foreclosure statute of limitations are 3 years. Parents died 2019 and the statute of limitations has passed. 

We are trying to cure the title but we need XXXXlink corporation to release the lien due to illegal foreclosure in the state of louisiana. This is not my debt and request removal from title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
I don't recall having a contractual relationship with this collection company SPRING OAKS CAPITAL LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Delete this Collection Account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: AR

Complaint narrative:
flagship denied my request for a LOAN MOD AND EXTENSION OR DEFFERAL OF PAYMENTS AND WAS DENIED. I LOST MY JOB AND NEED CAR TO LOOK FOR OTHER JOBS.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; SOLVERITY - XXXX {$5200.00} XXXX XXXX  - XXXX {$2300.00} XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX IN - XXXX {$19000.00} XXXX  - XXXX XXXX - XXXX ACCOUNTS XXXX  - XXXX {$100.00} 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 2024-05-10 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: LA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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