vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
Re : IRS 1099-C Form Received for XXXX Account in Dispute I contacted the three major bureaus, XXXX, Experian, and XXXX, and they did not respond for more than 45 days, despite three attempts to contact them via mail. 

XXXX sent me the last letter on XX/XX/XXXX, and I haven't heard from XXXX or XXXX since. 

XXXX XXXX ( XXXX ) agreed to let me settle my account for {$5000.00}. I received a 1099-C for Debt Cancellation for the remaining {$10000.00} balance, which will be reported as additional income on my XXXX  federal income tax return. 

This XXXX account is currently listed as " XXXX '' on Experian but " Derogatory '' on XXXX and XXXX. 

When I sent my dispute letters to these three major bureaus, I attached the settlement documents I had with XXXX, and it appears that they just trashed it. 

I am aware that federal law requires these three major bureaus to respond within thirty ( 30 ) days, but they have not. 
I understand that the Federal Trade Commission investigates credit reporting agencies that fail to comply with these federal regulations ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them in order to file a complaint with you. 

I tried to remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov 14,1995 ), they could be held accountable for willful non - compliance. 

Please keep the following dates in mind when I sent them my dispute letters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your assistance will be greatly appreciated, as their negligence and noncompliance have a negative impact on my profile.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received credit offer from Synchrony Bank through XXXX. They have a 6 month finance 0 % interest if pay in full on purchases $ XXXX. The problem is that they stimulated the consumer to go paperless with the promise to received the monthly statements, but instead the consumer have to logging on a computer and get lucky to locate the pdf file. 
I did contacted costumer service, and only after a long chap I learned that my balance was {$410.00} more than shown on the dashboard because I asked directly to the bank representative. My account show 2 purchases of around {$650.00} and {$850.00} but balance of {$2100.00}. Only after my complain she trayed to explain where I could get the information ( what we see as consumer has nothing to do with what she mentioned ). I found very unfair that XXXX and Synchrony bank present the information in such way that we as consumers have no way to stay on top of our finance and the convenient fees applied to our accounts. I totally sure I'm not the only XXXX with these problems.

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 2023-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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

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 2023-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
Back in the day when I first joined US Bank NA, I was working in my good merit to achieve the US BANK Cash Rewards + credit card. And they denied me it, with my amazing credit profile I already had established prior, and excused that I had to begin with THEiR secured Visa credit card, first. Which included putting aside MY MONEY, then pay the annual fee, then wait and then apply again for the Cash+ card which would require ANOTHER hard inquiryTHEN when it came to pass I was worthy of the Cash+ credit card. And because I already opened an account with DIFFERENT credit card, I was told I lost my {$100.00} off first {$500.00} spent promotion using that card. But its whateverIm over it. That was just a XXXX move.

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 2023-04-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-11 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:
XXXX. DEPT OF ED / XXXX ( {$39000.00} ) Account XXXX Q Date of first delinquency is missing? 
Date of letter XX/XX/2023

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I will seek legal action against all major credit bureaus, I am fully aware of my laws as a consumer and I will enforce these laws to the fullest possible extent. The fair credit reporting act states that information shall not be reported without my given consent. It also states that information in my report shall not be given to any employer without my given consent and both of these rights have been violated. 

The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts are not my accounts, they have been illegally reported on my credit report and also to an employer on my behalf without my consent. 

These accounts should be deleted immediately or legal action will be taken, I should be notified in writing of the outcome of this 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 2023-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
When I opened a checking account with Wells Fargo, an additional savings save as you go account was opened for me. Funds would be moved to this account at irregular intervals causing overdrafts and fees usually in amounts of $ XXXX {$35.00}. I opened these accounts in 2013.

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 2023-04-11 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: TX

Complaint narrative:
I did not provide any company reporting with consent to share my credit card ( ID, SSN, etc ) with another entity ( this credit reporting agency ) this is a violation of 15 U.S. Code 1681s-2. This credit reporting agency is negligently and inaccurately reporting and is not complying with 15 USC 1681.

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 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Spring Oaks Capital LLC XXXX, VA XXXXXXXX Spring Oaks Capital LLC is reporting a open collection on my Consumers Credit Report stating I owe the some of {$4600.00} from a XXXX credit card. I requested a validation of this debt to prove that I owe this money + I requested proof of my SS # and the address associated with this debt. They provided me with a XXXX credit card statement showing that I owe {$2500.00} as of XX/XX/XXXX with a address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. This was from my 1st request. They sent me another XXXX statement stating that I owe {$4600.00} as of XX/XX/XXXX with my address being XXXX XXXX XXXX XXXX. XXXX, IL XXXX. These statements are fake because 1st off you can't have a Cc using a XXXX XXXX XXXX XXXX XXXX XXXX is a Office building. My credit limit is {$1500.00} but the over the limit charges are {$3100.00}. Cc don't let you go over by {$3000.00} these are fake statements. I feel I'm being a victim of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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:
Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher.

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code XXXX37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Our XXXX tax return was deposited into the incorrect account that doesnt not belong to us. We contacted PNC to have them return funds to IRS so that they can issue check to correct person. PNC has refused to return our tax return to the IRS. We filed a form XXXX to ask for the funds to be returned and pnc is continuing to disregard our request. I have emails from XXXX showing we have been trying to get this corrected. Funds were deposited into incorrect account on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A lot of our bills or transactions do not reflect what is shown on mail, applications, purchases, sometimes it's more sometimes it's less. It takes a week for things to clear, some transactions do not show up. There is a program that i and my wife had signed up for called XXXX XXXX XXXX with numerous reports of Fraud. I've had problems before this. I believe there are companies or peoples, using tap systems in the area. When we first opened the account we were not able to screen shots on our phone. now we can feely take them. Ive seen downloadable software to help prevent " Fraud '' on our home computer to download. It did not do anything. Our paychecks are also being obstructed. We have been dealing with this since 2020. The bills that we have received from the electric company have been changed. we actually changed our electric company but within a month it went back to the original provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.

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 2023-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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

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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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