vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 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: IL

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
In Accordance with the fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 604 section 2 also states a consumer reporting agency can not furnish 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 2023-06-20 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: NY

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.

The letters are stated with items and issues.

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 2023-06-20 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: NY

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.

The letters are stated with items and issues.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX is in violation of the fair credit reporting act they removed an account that didnt get verified than put it back on my credit report they are in violation reporting both of these XXXX XXXX accounts on my credit report after they were removed and if these items arent removed i can sue for XXXX $ per account. i ask that you the cfpb help me get these accounts removed because they are in violation of the fair credit reporting act I have provided documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-20 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: CA

Complaint narrative:
I asked the credit bureaus to conduct an investigation on the XXXX XXXX XXXX XXXX Credit Card account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, XXXX states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. TransUnion, on the other hand, illustrates more than 120 days late on XX/XX/XXXXXXXX  with Charge-Offs for each month from XX/XX/XXXXXXXX  to XX/XX/XXXX. Finally, XXXX states that this account is 150 days late on XX/XX/XXXXXXXX  and has NO DATA for XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  with a single Charge-Off for XX/XX/XXXXXXXX  ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 ( A ) states that I have the right to privacy.

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that a consumer reporting agency can not furnish an 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 2023-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
Had numerous issues with insurance coverage for this medical bill. Communicated this to XXXX XXXX  the original service provider and creditor. XXXX sent to collections {$870.00}. I continued to dispute with collections while waiting for insurance payment. Collections accrued interest in the meantime. Insurance finally found their responsibility. Sent check of {$650.00} to XXXX XXXX, they forwarded check and new XXXX  showing patient 's responsibility should be corrected to {$220.00}. Collections continues to report to credit bureaus an original debt of {$870.00} and a balance due that includes interest from the portion that was the responsibility of Insurance. The current balance reported to credit is {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-06-20 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX I was charged {$9200.00} for a fence project by a local company. We agreed this money would be paid as a deposit, and the rest would be paid upon project completion. Months passed and I heard nothing back from the contractor. We have made multiple attempts to contact the contractor. 
XX/XX/XXXX I filed a dispute with Citi to inform them that I paid for a fence install and it was never started or completed.After providing supporting documents and evidence, Citi has ruled on XX/XX/XXXX that I am responsible. 

I have not received what I paid for. I have no fence and I am out {$9200.00}. Citi is refusing to take any accountability to protect me although evidence shows the contractor has gone MIA and isnt installing the fence I paid for. 

I have not received the service but they are expecting me to pay. Citi needs to fix this. They made me wait over a MONTH for a resolution, and arent giving me any good reasons as to why this wasnt resolved in my favor.

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 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am writing to file a complaint against LVNV, a collection company that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes, LVNV continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me and should be removed.

I have been disputing this account with LVNV for several months now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, LVNV has continued to report the account on my credit report, which has negatively impacted my credit score.

I have also noticed that LVNV has been reporting inaccurate information about the account, which further damages my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. I urge you to investigate this matter and take appropriate action against LVNV for their failure to comply with the FRCA.

I also request that you ensure that LVNV removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XX/XX/XXXX, I financed furniture through Synchrony bank ( bank chosen by furniture store ) with a 0 % interest loan expiring in XX/XX/XXXX. I set up recurring payments every month. I unfortunately ignored monthly statements from Synchrony as I presumed it was just useless data. I never received ANY emails or texts. My bank was apparently late on funding Synchrony several times and I unknowingly incurred late fees. After my final payment in XX/XX/XXXX, I kept on getting monthly statements, which I finally opened in XXXX. This showed {$300.00} in late fees and {$1100.00} in back interest to day 1 in XXXX. 

I called immediately, escalated to an account manager and she denied waiving any fees, even though I dutifully paid every month and my financed loan was {$0.00} by the time the promotion expired. Now I owe {$1400.00} from an original {$2900.00} purchase - which I PAID! Since I called about my account I have been getting emails and texts almost every day explaining my outstanding balance. Even after explaining I was not some deadbeat person not paying their bills, they refused to be human and do anything. Shame on me for not checking my mail. Shame on Synchrony for their behavior, unwillingness to be reasonable and treating me like a deadbeat.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right of privacy. 15 U.S.C Section 604 Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

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 2023-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 XXXX 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 2023-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 Alison 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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to process a fund transfer and when a fee was disclosed, I cancelled the transaction. Bank of West BMO wont refund the fee even though I told them what happened several times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: MN

Complaint narrative:
On XX/XX/2023 I sent XXXX a form stating I am a victim of identity theft and requesting specific items be blocked from my credit report. Along with the form I also sent a police report, my drivers license, social security card and my FTC IDENTITY THEFT AFFIDAVIT. According to FCRA 605B once XXXX receives my identity theft report along with a statement from me and other items that verify my identity, the reported information shall be blocked within 4 business days. 

XXXX sent me a letter on XX/XX/2023 stating my request to block was denied due to my request being made in error. There is no way that XXXX can reasonably determine that. I have provided a valid police report and I have satisfied the requirements of a block under FCRA 605B. If XXXX does not follow the laws established I will have no chose but to sue them in small claims court for willful non compliance and damages. 

In addition on XX/XX/2023 I spoke with a representative from XXXX XXXX XXXX XXXX who is handling my file. And he claims he must first contact the creditor to confirm if fraud is found. This is not the correct procedure that should be followed. According to FCRA 605B once XXXX receives information that a consumer identifies as identity theft, accompanied with verification of the consumers identity and a valid identity theft report XXXX MUST BLOCK the information without referring to the original creditor for validation of fraud. This confirms that XXXX is not following the FCRA guidelines that are established to help consumers in these troubled times. XXXX is Violating FEDERAL LAW I have also contacted experian about this and they are saying my police report is invalid which is unacceptable.

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 2023-06-20 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: NJ

Complaint narrative:
EQUIFAX DROPPED BY SCORE BY XXXX POINTS impacting my agility to qualify for loans. My total debt actuallywent down, not late payments, no justificaiton for this drop. 
Balance Increased XXXX XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX XXXX credit card balance increased by {$7.00} from {$0.00} to {$7.00}. 

You're doing a great job! Even though your balance went up a bit, you're still using less than 10 % of your available credit, which makes your Credit Card Utilization rate Excellent. 
Balance Decreased XXXX XXXX XXXX account balance decreased Between XXXX XXXX XXXX  and XX/XX/2023, your XXXX XXXX XXXXK credit card balance decreased by {$45.00} from {$2100.00} to {$2000.00}. 

Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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:
On XX/XX/ I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. Experian replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/ so that means the credit bureau did not thoroughly investigate 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 explanation