vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : - XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: GA

Complaint narrative:
I sold my home and I received a partial payment from the title company. I deposited the XXXX check into my KeyBank account. After waiting 7 days the check was cleared and I was allowed to get a little over XXXX of my money then a hold was put on my account and I have not had access to my money since the XXXX of XXXX. The money was deposited on XX/XX/XXXX. I was told that the suspected fraud with the check. So I called fraud department with the man from the title company. Because I was told I needed to provide proof of where the money came from. The man from title emailed the bank a copy of the cleared check from his account and the deed and bill of sell from the house, I also sent them a copy of the paystub from check. Still they will allow me access to my money and can not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: AL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: AL

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.

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Please see the attached Formal Complaint Against XXXX XXXX XXXX XXXX  ( dba ) XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX  ( dba ) in Virginia as XXXXXXXX XXXX XXXX XXXX  dated XX/XX/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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian bypassed the DMV/BMV requirements while innacurately reporting consumer reports

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 2023-12-01 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: CA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : - XXXX XXXX  XXXX XXXXXXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: LA

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-01 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant errors in my credit report, which I believe have resulted from the Bureau 's failure to adhere to proper procedures and maintain accurate information, as required by 1681 ( a ) ( i ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am a resident of New York and covered under the FCRA and New York XXXX XXXX XXXX ( NY XXXX ) as a consumer. The errors in question have persisted before, during, and after the dispute process, constituting violations of state law, FCRA, and NY XXXX. I kindly request a thorough reinvestigation into the following discrepancies : Violation # XXXX : Notice to Delete Account Immediately XXXXXXXX XXXX XXXX XXXXXXXX : Incomplete Reporting : The account opened in XX/XX/XXXX, but there is no information reported until XX/XX/XXXX. The frequency of payments due is unknown this constitutes illegal incomplete reporting. Missing Information : Data of last activity, first delinquency ( stated as XX/XX/XXXX ), and terms frequency are absent. this constitutes illegal incomplete reporting. Incorrect Account Status : Despite being listed as a collection account ( status C ), there is no corresponding entry under the collections section. Creditor Classification : The type of business for XXXX is marked as unknown, which should be corrected. this constitutes illegal inaccurate reporting. Date Closed : The entry for the date closed is missing, and it should, at the very least, reflect the date the account was paid. Incomplete Account History : The actual payments made do not reflect accurately, with high credit showing {$0.00} and an incomplete amount past due in XXXX of XXXX entries. These discrepancies not only violate the FCRA but also indicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy of my credit information, as required by 15 U.S.C. 1681e ( b ). I urge the Consumer Financial Protection Bureau to address these issues promptly and thoroughly. It is imperative that inaccurate and unverifiable information be either corrected or deleted from my credit report, in accordance with federal and state laws. This account is reporting illegally and needs to be deleted.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Missed payment due to loosing job. They keep calling 5-10 times DAILY! It has become a nuisance. Just started a new job and am waiting for first check. They call CONSTANTLY to the point its embarrassing and people at wk are noticing. Last month when they did this I told please stop calling more than the legal allowed seven times a week! That never stopped them!

Comenity Bank has illegally violated the Fair Credit Collectors Act and should be help accountable and looked it. Id like to see about filing a class action law suit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXXXXXX  ) ( XXXX Account # 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXXXXXX  ) ( XXXX XXXX XXXX XXXXXXXX  ) 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I first phoned Resurgent Capital Services on XX/XX/XXXX at XXXX XXXX and spoke to a representative by the name of XXXX. I've requested an account summary report in which they did send to me. I also explained to XXXX that reference ID XXXX was dated back XX/XX/XXXX and that the account was either already paid or was taken care of during a previous bankruptcy. The account information is from XXXX XXXX  for merchant XXXX for the amount of {$430.00}. On their historical account information which is on the account summary report it states the original date with original creditor was XX/XX/XXXX and the charge-off date was XX/XX/XXXXXXXX XXXX XXXX Resurgent Capital Services received information from XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX I also explained to XXXX that the charge was over 15 years ago and I should not be bothered. 

Today XX/XX/XXXXXXXX XXXX XXXX I received an email from XXXX stating that I need to take care of my outstanding balance. They are a debt collector and they are attempting to collect a debt from me. The XXXX account number is : XXXX for the same amount of {$430.00}. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Lakeview / XXXX website has been down since XXXX XXXX. After announcing their site back online and calling it " enhancements '', the site is slow or unresponsive entirely. 

Calling their customer service - no operators are available, the calls are just dropped when you attempt to get a person to speak with. 

Further research shows a major data breach and/or a ransomware attack. They have not been forthcoming on ANYTHING to us as customers, but rather tried to play it off as " website enhancements '' which is downright insulting. 

Tell your customers what is going on and stop lying.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX bypassed the XXXX requirements while innacurately reporting consumer reports

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 2023-12-01 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: 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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In 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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-01 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: FL

Complaint narrative:
To whom it may concern, There are queries on my credit report that are not mine. I do not recognize them nor have I authorized those queries. Please removed from my credit report as these inquiries are fraudulent

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a charge off on my credit report from XXXX Whenever a company list an account as a charge off on your credit report theyre claiming that theyve ran off the balance as a total loss so now they have to report to the IRS & send me a 1099 for the balance that they wrote off that they say I owe So being that the account is ran as a charge off, but I never received any of the1099 cancellation of debt form the account is inaccurate and has to be removed

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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