vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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. 

XXXXXXXX XXXX : # XXXX, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I was notified through my credit report that an organization called Consumer Adjustment Co place a collection account on my credit report for {$5600.00}. I was never notified or contacted regarding the debt. I spoke to rep who confirmed it was XXXX an account that had already been dismissed and settled through the IL courts. My consumer rights were violated as the company failed to contact me regarding the debt and has not furnished any proof that I should pay them money for a settled debt. I will contact legal representation and countersue for providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The credit card account is through Synchrony and was obtained through the purchase of a XXXX XXXX bed. I agreed to make timely monthly payments in the amount of {$200.00} with no interest charges and have made all payments in advance. However, when I made the XX/XX/2023 payment on XX/XX/2023, I received a notice of nonpayment today. I contacted Synchronys customer service and was informed a statement was cut on the same day as my payment and because of this, that payment was entered as an extra payment. Synchrony agreed to delete the late fees but stated they could not reverse the payment and apply it correctly to my XXXX payment. They also advised on XX/XX/XXXX, my minimum payment due is {$400.00}. The online payment portal does not show information regarding additional payments nor does it state their statements for the following month are cut XXXX  days following the previous months due date. I have never made a full extra payment in my payment history. I simply would like the payment reversed and correctly applied to the XXXX payment. This is not my error.

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 monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: PA

Complaint narrative:
This complaint is with regards to Electricity and Gas Services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) at the earlier rented apartment that was vacated on XXXX XX/XX/2022 as per the last date on the lease. Based on the disconnection request, I had received the account closure letter documents over email from XXXX XXXX  XXXX confirming my account closure on XXXX XX/XX/2022 followed by the final bill of {$270.00} on XX/XX/2022. However, even after this final bill XXXX XXXX XXXX sent additional bills for the total of {$220.00} although my account was already closed based on the communication they shared. 

A Debt collection company Revco Solutions contacted me via phone call and postal mail for a total payment for {$490.00}. I paid them my final bill amount of {$270.00} by check which was the correct amount owed to XXXXXXXX XXXX  XXXX as per my final bill. Even after that they kept sending notices that I pay the remaining {$220.00} which as mentioned was over and above the final bill amount. I provided them all the evidence over email regarding the communication on account closure and final bill shared by XXXX XXXX XXXX. However they kept on sending further notices for the payment of the remaining balance. Upon contacting them today again there was no change to this position. 

I am raising this complaint as the remaining balance of {$220.00} is an amount I do not owe XXXXXXXX XXXX XXXX as explained above. I am attaching the copies of communication mentioned from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries XXXX of XXXX please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

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 2023-06-21 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX in which is subcontracted through XXXX, XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 A. States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Total XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX in which is subcontracted through XXXX, XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A. States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
This debt collection agency, is using unencrypted sms communications to attempt to collect a debt. They are requesting personal information, to verify identity via text messaging, asking for date of birth, name etc.. 
They are also contacting the alleged before XXXX. They are also continuing to attempt to collect a debt more then 30 days after a written dispute letter and a request of debt ownership validation letter without providing documentation requested that validates ownership. 

Ive Never opted in for the text messaging spam in the first place, however they give you the option to optout, they've been unable to verify that they are even authorized to collect a debt within the state they are attempting to Collect a debt in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. 

XXXX XXXX : # XXXX, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # 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 has violated my rights. 

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

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. 

XXXX XXXX : # XXXX, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # 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  has violated my rights. 

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 2023-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
On XX/XX/22 I applied for a {$25000.00} Homeowner 's Assistance Fund grant through the State of Michigan. I was approved for the grant on XX/XX/22. My mortgage lender, Select Portfolio Servicing ( " SPS '' ), received the {$25000.00} grant from the State of Michigan HAF on XX/XX/22. SPS did not tell me they received the funds from the State of Michigan, nor did they apply the funds to my then-existing outstanding balance of {$77000.00}. Instead, without my knowledge, on XX/XX/22 SPS sent the funds back to the State of Michigan and said did not accept it because it wouldn't have brought my balance current. I was forced to sign a loan modification agreement of {$77000.00} instead of the {$52000.00} which would have been owed after SPS applied the {$25000.00}. 

This is not fair and I would like for SPS to accept the {$25000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022 I sent Credit Acceptance Corp. a debt validation letter in which it was ignored. This is my second attempt at getting this debt validated and each and every question needs to be answered or this account need to be close and removed from my credit reports immediately. This not my name on this account, and I would like Credit Acceptance to cease and desist immediately from calling my phone number of 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 2023-06-21 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: FL

Complaint narrative:
Around XX/XX/22 I disputed incorrectly reported information on my credit report and this is in violation of my rights. I further Request the original contractor that I signed with be required to provide " proof of the debt as well as billing statements for the last several months and the ORIGINAL CONTRACT that was signed by ME to open the account '' as no such documentation exists. Therefore the accounts MUST be deleted pursuant to the law under : 15 U.S. Code 1681. 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
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My Tax refund went into someone else 's account, which the account didn't have my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.

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 2023-06-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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.

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 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my attempt to get this matter resolved. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. 3 credit bureaus have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed accounts that are reporting to my credit file held with the 3 credit bureaus. These accounts were opened negatively. I informed them of the issue & provide them with the required documents to correct the accounts via FCRA Section 605b. They have failed to correct the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts to be corrected from my report ASAP. I want you to correct the following accounts immediately : XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00}.

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