vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
In accordance with FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.

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 2022-11-17 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: GA

Complaint narrative:
Trans union XXXX LCI Consumer center Refuse to send in documentation that shows they validated a XXXX  XXXX that is showing on my Transunion and XXXX credit court from the XXXX XXXX courts instead they are using a non validated third party for incorrect information

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 2022-11-17 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: FL

Complaint narrative:
On XX/XX/2020 Ive sent a request for validation from XXXX XXXX XXXX. This includes copies of documentation that represents a legal ledger in form of Purchase Agreement, Bill of Sale, or transfer of title. Furthermore, it must include a copy of the original agreement made with the principal creditor, XXXX Bank, and myself, outlined by my legal name. 
The document sent by XXXX XXXX XXXX is a statement that represents an account number and some billing statements that represent an account I had formally held with XXXX Bank. The Document doesnt represent a legal ledger in anyway. There is nothing that represents a purchase of such accounts. There is nothing that represents the amount paid, terms of the sales, principal agreements with parties involved. 
The document sent is Considered Hearsay, and I had recently won a judgment against XXXX XXXX under this very same pretense. The XXXX filed a lawsuit in pursuant of an alleged debt and a could not produce purchase agreement to validate that XXXX titleship of such accounts. 
PLEASE DELETE XXXX XXXX  FROM MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO PRODUCE LEGAL DOCUMENTATION THAT PROVES TITLESHIP OF THIS ACCOUNT. 

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 2022-11-17 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: MOHELA
State: NM

Complaint narrative:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of XXXX amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: WA

Complaint narrative:
Mountain Run Solution has threatened and called stating that I owe a debt that was given t them by XXXX XXXX XXXX dated back from XXXX. Mountain Runs previous Statement under Consumer Compliant # XXXX stated that they bought a debt back in XXXX from XXXX. I have told this company that I was not living in washington during this period however, they have continued their aggressive tactics and threats. They have now went back in and reported that the account was open in XXXX and illegally run my credit report without my consent. They attempted to offer me to settle a debt at {$300.00} that was not mines to began with. Now,, I want to see the contract that was date opened in XXXX ( Stating 4 months past XXXX ) that they just report to the credit bureau today XX/XX/XXXX. This is legal, unlawful and validated the Fair Credit Reporting Act and something needs to be done with this Company and the female employee who continues call and harass people even after being told not to call my number gain.

This information needs to immediately be remove from Credit report. I will not pay even .10 cent regarding this illegal debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I've disputed this account numerous times with the credit bureaus and with the company too. I do not have a contract or agreement with this company at all and never committed to what they are claiming. They also have violated consumer protection laws such as 15 U.S. Code 1692b - Acquisition of location information, 15 U.S. Code 1692f - Unfair practices, and also denied receiving a certified letter I sent to them to resolve this issue. Last but not least they do not even have a license to collect debt in the state of Illinois too. I'm in distress about this and need this account deleted from all 3 credit reporting bureaus immediately!!! 

Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is fraud I have notified police

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: LA

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. 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 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I purchased my home in XXXX of XXXX. My original mortgage payment was {$1000.00} on a 30 year conventional mortgage at 3.875 %. I received a break on my mortgage payments on the XXXX XXXX Assistance. I was originally told by my mortgage company that they were working out a Loan Modification for me that would put my missed payments to the end of my mortgage. They were only contacting me to request more documentation from me. I provided everything they had asked for on a timely basis. They told me that while this was being done that I could not make any mortgage payments during this process. They informed me that they would not accept any payments from me and if I were to provide them with any payments it would stop the modification and I would then be responsible for all of the arrearages. They were not in contact with me to let me know what was going on, they actually treated me like it was none of my business what they were doing. I kept contacting them to find out when I could make a payment, as I was well aware that it was getting further and further behind. I contacted them in XXXX and verified that they had all necessary documentation from me, which they agreed. I again questioned when I would be able to resume my payments and they told me that it should be by XX/XX/XXXX. Well, here it is XX/XX/XXXX and I again called them. I was informed that I did not qualify to have my missed payments put to the end of my mortgage, with a credit score of well over 700. My new payment would be over {$1500.00} per month at over 7 % interest. Supposedly, all conversations were recorded. I need to rectify this A.S.A.P.

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 2022-11-17 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I applied for Amazon credit card provided by chase bank on XX/XX/2022. They rejected my application initially due to lack of supporting documents which I was asked to fax them on the follow up call. After a number of call exchanges and a number of rejections sent my way I was send a card issued on my name by the end of XXXX, XXXX. But to my surprise, there was a XXXX  hard hit on my credit report for the same card which I was never informed about nor I consented for. Upon receiving my card I did ask them about the XXXX hit and they said it is normal procedure and it is correct. They did ask me to call the reporting agency instead i.e. XXXX. The second hit was dated XX/XX/2022 which was the date of my first follow up call. But on that call the representative never asked for my consent to make another hard enquiry nor informed me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I submitted a complaint on XXXX XXXX on SYNCHRONY BANK/XXXX  XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. Synchrony Bank provided a letter stating that SYNCHRONY BANK did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on 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 explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank had committed fraud with my account # XXXX. They have lost my money over {$2500.00}. They do not have a withdrawal slip. I have contacted the bank manager as well as their conflict resolution person, XXXX, phone number XXXX. 
I want the return of the stolen money. Refund {$2500.00}. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NY

Complaint narrative:
I have contacted XXXX  XXXX XXXX and Transunion on numerous occasions since XXXX of XXXX  concerning the fraudulent attempt to obtain credit in my name to no avail. 

XXXX  XXXX XXXX acknowledged the reported fraud but did nothing to assist with having the related inquiry removed from my report. 

Transunion is demanding that I receive a letter from XXXX  XXXX XXXX supporting my claim which I have done several times to no avail. 

Transunion is refusing to investigate my claim in accordance with FCRA. 

Fraudulent inquiries XXXX  XXXX XXXX - XX/XX/2022 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 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of XXXX amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.

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 2022-11-17 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: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NM

Complaint narrative:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.

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 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: NV

Complaint narrative:
A law firm agreed to a settlement amount. 
They are now saying they will not honor that amount. 
Reason. I had previously made an agreement for an amount greater than the amount provided in a letter I received that looked like junk mail. 
I subsequently called the law firm back and stated that I will pay the amount that the letter stated. The service rep agreed and collected monies. All 5 bureaus were to be updated and reported as paid. Today they stated they would honor the original agreed amount with the first rep and that the rep who agreed to the letter amount was wrong and apologized. Could not talk to a manager.

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 2022-11-17 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:
I'm contacting you regarding an account that does not belong to me, but it shows on my credit report I have tried to dispute them with credit bureau which in result they didn't remove the account and inaccurate account still show on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX {$350.00} I received a outstating debt collection notice in XXXX of XXXX for the months of XXXX and XXXX on my Toyota XXXX for which I had made payment on my car note. I missed the XXXX payment after losing my job. Foreseeing a fraudulent repocession I contacted the local police showed them my payment receipts and debt collection slip. I was previously told by Toyota Financial that I didn't have to call for extensions the missed payment would just be added to the end of the payment schedule ending in XXXX. I had previously made two payments in one month on various occasions On XX/XX/XXXX I woke up after starting a new job and my car was missing. I immediately called the police who informed my that my car had been repoed and provided a repocession notice. I then on XX/XX/XXXX called toyota financial and was told that I had to pay either the remaining balance or over {$1000.00} to get my car back. I never received any other notices after the notice for the months that I made the payments. I received the fraud notice the same day I made a payment of {$400.00} ( my payment is {$350.00} ). I was also told that my car would be auctioned off by XX/XX/XXXX if I did not make the demanded payment. Leaving no time to get money to make any type of payment. I still have my payment receipts as well as the repo notice. 
I have tried to Upload the Receipts and Repo Notice but have not been able to... I have video of me attempting to do so...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX XXXX XXXX  that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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

Company response to consumer: Closed with explanation