vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This company has been negatively impacted my credit for years. I have asked for a debt validation letter, the original contract from the original creditor, proof of legal right to collect on the debt. I have been harassed consistently over the years from various numbers from this company about collecting the debt although they have not sent any of the info to have asked. They have also changed the date of the debt to reflect the current month and year so that they can be in the statue of limitations. I have to them this is a violation of the fair credit reporting act, and they continue to falsify information to the credit bureaus. This has prevented me from getting a mortgage, and has affected my mental health. I have over XXXX numbers blocked on my phone from this company violating my privacy and rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
The bank I'm reporting on is First Citizen 's Bank  XXXX XXXX, NC, XXXX routing number XXXX. 
Our normal monthly mortgage payment of {$160000.00} was inadvertently drafted on XX/XX/XXXX, the same day as our {$210000.00} mortgage payoff amount. This was due to transaction timing, and while I don't have heartache with the extra {$16000.00} having been drafted, I DO have a problem with the fact that the statement reflects a refund on XX/XX/XXXX, but the refund was in the form of a check DATED XX/XX/XXXX, but not MAILED ( postmarked ) until XX/XX/XXXX. We did not receive the check until the following week, effectively giving the bank a nearly one-month float on the overpayment. 
Since we do our business banking with them and the {$16000.00} payment was electronically drafted, the bank could have processed the refund electronically the next business day. 
I wonder if this is a routine practice with First Citizen 's Bank. If so, then consumers are being unfairly denied access to their funds, and potentially lost interest. 
The fact that the check is dated XX/XX/XXXX, the day after the overpayment, by not mailed until XX/XX/XXXX makes it look like they are concealing something on their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
I am writing to formally dispute the reporting of XXXX XXXX XXXX # XXXX on my credit report. As supported by recent legal interpretations and case law, the inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Due Process Clause of the XXXX XXXX. 

As per the attached notice from TransUnion, federal courts have ruled that the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens is no longer permissible under the FCRA. The Fair and Accurate Credit Transactions Act ( FACT Act ) specifically defines the word credit and stipulates that a collection of an account is only permissible when the collection is in connection with a credit transaction. The relevant case law, including decisions from XXXX XXXX XXXX v. Trans Union LLC and other similar cases, explicitly reject the practice of using consumer reports for non-credit transactions such as child support obligations. 

Furthermore, in Troxel v. Granville, 530 U.S. 57 ( 2000 ), the Supreme Court underscored the protections afforded by the Due Process Clause, preventing the government from intruding on fundamental rights and liberty interests. The state may not interfere with the liberty interest that parents have in controlling the care and custody of their children unless it is necessary to protect the best interests of the child. This principle further supports the argument that reporting child support obligations on credit reports is unconstitutional, as it unduly burdens the parent without serving a legitimate credit-related purpose. 

Given these facts and the legal precedents, I request that XXXX, Transunion and XXXX immediately remove any and all references to child support obligations from my credit report. Reporting this information is not only legally unjustifiable but also violates my constitutional rights. If no response is receieved within 14 days I will be forced to file a complaint in XXXX court! 

Please confirm in writing that this information has been removed and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NV

Complaint narrative:
Recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I've submitted a dispute letter to Equifax asking them to update and remove anything that's reporting inaccurate to my consumer report. They responded with a letter stating that they don't believe I sent in the dispute letter. I am aware of 15 U.S. Code 1681- Congressional findings and statement of purpose, and that Equifax is reporting inaccurate information. I am asking them investigate my dispute letter that's included with this complaint. These inaccuracies that are under multiple violations are negatively impacting my credit score limiting my ability to obtain any funding or relationships with any potential lenders. In accordance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), and that it states that you must remove anything that's inaccurate. Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: PA

Complaint narrative:
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 XXXXXX/XX/XXXX 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 U.S.C 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS.

15U.S.C 1681 SECTION 602A STATES IHAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A 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 FALLOWING ITEMS OF INFORMANTION 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 ) ( a ) 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.

DELETE THE ACCOUNTS BELOW :

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 2024-07-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 XXXXXX/XX/XXXX 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 U.S.C 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS.

15U.S.C 1681 SECTION 602A STATES IHAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A 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 FALLOWING ITEMS OF INFORMANTION 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 ) ( a ) 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. 

DELETE THE ACCOUNTS BELOW :

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 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged {$19.00} by XXXX for a trip. I couldn't find this trip anyway in my uber history on the app. I informed Wells Fargo about it. They called me and asked me for proof. I emailed screenshots of my app for days before and after XX/XX/year>, which was when the charge was posted. When I heard nothing, I went ahead and uploaded the documents onto the website under the dispute. Two days ago, Wells Fargo informed me that they had closed my dispute, no reason given. 

I complained previously that Wells Fargo no longer investigates credit card disputes. They are downsizing and cutting staff and this has affected the dispute handling process. Now, they simply close disputes without investigation.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am writing to express my dissatisfaction with the inconsistencies on my credit report that have not been resolved despite submitting dispute letters.

I have identified several items on my credit report that are inaccurate and have submitted dispute letters to the three credit bureaus in order to have them corrected or removed. While some of the items were successfully deleted from certain credit bureaus, they have not been removed from all three. 

The item ( s ) in question are shown in images below. Ive also attached a copy of the deletions form two of the credit bureaus.

According to the FCRA " Section 611 of the FCRA ( 15 U.S. Code 1681i ) addresses the procedures for disputing inaccuracies on your credit report. It states that if you believe that any information on your credit report is inaccurate, you have the right to notify the consumer reporting agency ( CRA ) in writing of the disputed information. The CRA must then investigate the dispute and, if necessary, correct or delete any inaccurate information within 30 days of receiving your dispute I am requesting that the CFRB investigate this matter further and ensure that all inaccuracies on my credit report are corrected.

I appreciate your prompt attention to this matter and look forward to a resolution. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I am writing to express my dissatisfaction with the inconsistencies on my credit report that have not been resolved despite submitting dispute letters. 

I have identified several items on my credit report that are inaccurate and have submitted dispute letters to the three credit bureaus in order to have them corrected or removed. While some of the items were successfully deleted from certain credit bureaus, they have not been removed from all three.

The item ( s ) in question are shown in images below. Ive also attached a copy of the deletions form two of the credit bureaus.

According to the FCRA " Section 611 of the FCRA ( 15 U.S. Code 1681i ) addresses the procedures for disputing inaccuracies on your credit report. It states that if you believe that any information on your credit report is inaccurate, you have the right to notify the consumer reporting agency ( CRA ) in writing of the disputed information. The CRA must then investigate the dispute and, if necessary, correct or delete any inaccurate information within 30 days of receiving your dispute I am requesting that the CFRB investigate this matter further and ensure that all inaccuracies on my credit report are corrected. 

I appreciate your prompt attention to this matter and look forward to a resolution. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed a fraudulent accounts on my credit report, please remove these accounts from my report because they hurting my credit.

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 2024-07-06 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: NV

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ XXXX XXXX XXXXXXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B

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 2024-07-06 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: GA

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.

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 inructions 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. 

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 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: NJ

Complaint narrative:
Recently I've submitted a dispute letter to XXXX asking them to update and remove anything that's reporting inaccurate to my consumer report. They responded with a letter stating that they don't believe I sent in the dispute letter. This complaint from me contains my dispute letter that I would like Transunion to investigate.

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 2024-07-06 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed a fraudulent accounts on my credit report, please remove these accounts from my report because they hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Last month in the beginning of XXXX my synchrony bank account got restricted. I guess I was using my money to fast. I called and reported that Im the one using my account its me. No one else has access to my account but that was ignored and was placed on hold. Its XX/XX/XXXX. Its been one month that the bank has held my funds. Yes I called multiple times. But was givin the same answer. Thats its under review. Thats all I am told. Ive missed work for three weeks now because of this. I called yesterday and was still givin the same response. Im still waiting and still not able to complete my daily duties because of this.

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 2024-07-06 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: PA

Complaint narrative:
I am writing to formally dispute the reporting of XXXX XXXX XXXX # XXXX on my credit report. As supported by recent legal interpretations and case law, the inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Due Process Clause of the U.S. Constitution. 

As per the attached notice from XXXX, federal courts have ruled that the use of consumer reports for the collection of delinquent child support, judgments, fines, and liens is no longer permissible under the FCRA. The Fair and Accurate Credit Transactions Act ( FACT Act ) specifically defines the word credit and stipulates that a collection of an account is only permissible when the collection is in connection with a credit transaction. The relevant case law, including decisions from XXXX XXXX XXXX v. XXXX XXXX XXXX and other similar cases, explicitly reject the practice of using consumer reports for non-credit transactions such as child support obligations. 

Furthermore, in XXXX XXXX XXXX, XXXX XXXX XXXX ( 2000 ), the Supreme Court underscored the protections afforded by the Due Process Clause, preventing the government from intruding on fundamental rights and liberty interests. The state may not interfere with the liberty interest that parents have in controlling the care and custody of their children unless it is necessary to protect the best interests of the child. This principle further supports the argument that reporting child support obligations on credit reports is unconstitutional, as it unduly burdens the parent without serving a legitimate credit-related purpose. 

Given these facts and the legal precedents, I request that XXXX, XXXX and Experian immediately remove any and all references to child support obligations from my credit report. Reporting this information is not only legally unjustifiable but also violates my constitutional rights. If no response is receieved within 14 days I will be forced to file a complaint in Federal court! 

Please confirm in writing that this information has been removed and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation