vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Ive disputed several accounts with XXXX, equifax and XXXX XXXX about late payments, it is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. 
Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: UT

Complaint narrative:
On XX/XX/2023 I received a notice of a new collection on my credit report under the name General Revenue Corp without any prior communication about debt, attempt to collect, options to dispute or any verification of said debt. This dropped my credit score by more than XXXX points. I have hitherto not received any form of communication from this company and want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XX/XX/23 I opened 2 Synchrony savings accounts. 

XX/XX/23 I transferred out some $ from 1 of my accounts as I needed it for bills. 

XX/XX/23 I successfully received my $ to the checking account I use for bills. 

XX/XX/23 My Synchrony bank account was essentially frozen - because I transferred out $ not long after opening the account. I called and confirmed it was actually my account and requested they unfreeze it in case I need my funds. They told me theyd put in the request and it would be available within 48 hours. 

XX/XX/23 I checked back and it was in fact still frozen. 

Since then I have called At least XXXX more times and spoken to 2 supervisors all of which tell me they will put in a request to get it unfrozen within 2-3 business days but that they cant confirm and it never is. They said it could take up to 60 days to review my account even though Ive numerous times confirmed it was not fraud and they just keep giving me the run around. Its been frozen for about 3 weeks and everytime I call they never have any other info aside from its being reviewed and to check back in 2-3 days. 

I am now low on cash and need to access my savings in order to pay bills. They essentially have frozen my account with no end in sight for little to no reason at all. Ridiculous how they can do this for this long. 

Please help, thanks!

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 2023-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been attempting to have a fraudulent account removed from credit report. Every time I send a letter to Capital One asking for information about this fraudulent account or to dispute I receive a letter back and I'am simply told " We are following up on a fraud notification that you recently filed with Capital One stating that you believe there is fraudulent activity on your Capital One account. Unfortunately, with the limited information that we received from you, we can see no evidence of fraud on your account and we are not taking any action at this time. '' The problem is THIS ISN'T MY ACCOUNT!!! Capital One refuses to do anything other than send out form letters claiming this account is mine when it isn't. I have filed a police report and an FTC report. One time they claim they had my drivers license but any could have had that and uploaded a copy of it. I want to see where I signed for this credit card and received ANY benefit from it. Trust is there isn't because someone else clearly used this card and Capital One REFUSES to do anything about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act Capital one Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: PA

Complaint narrative:
In XXXX of 2023, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to XXXX, Experian XXXX XXXX XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. Instead of deleting this account as being inaccurately reported, XXXX allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. XXXX also accepted a fraudulent account statement to substaniate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. 
XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX XXXX  report I had a! 00 % payment history and XXXX XXXX XXXX. I believe XXXX, XXXX, Experian XXXX XXXX XXXX violated the XXXX debt reporting act.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX debt was paid in full to amsher collections agency, they refuse to remove it from report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope you find this letter in good health and good spirits. I am writing to ask for your help in getting a closed account reported to my credit reports. This account has never been negative. However, it has been 30 business days since I paid off my Home Loan and Nationstar/Mr.Cooper has not submitted my updated credit report since XXXX. I know this because I have contacted XXXX and that is the information, they gave me and to call Mr. Cooper, which I did. In addition to Mr. Cooper not updating my credit report since XXXX, the balances have not helped my score increase. I have worked hard to maintain my credit and I do appreciate Mr. Cooper for assisting me in my financial hardships at the beginning of 2022. I have maintained all of my payments with NationStar/Mr.Cooper and paid off the full account balance. I am asking now that my credit be updated immediately so that I may resume improving my credit and continuing my positive creditworthiness. Thank you so much for your attention to this prompt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
Experian, XXXX Credit Bureaus has fail to do an accurate and fair investigation on my XXXX XXXX XXXX dispute. XXXX XXXX XXXX filed a 1099C and has stop all collections/ forgiven this account. This account is no longer a debt, It was claimed as income for 2022 tax year. XXXX has already deleted this account, but Experian XXXX XXXX has falsified information on their investigation. Income is not suppose to be report on a consumer credit report. 

Internal Revenue Service ( IRS ) Publication 525, " Taxable and Nontaxable Income, '' In general, a Form 1099-C, Cancellation of Debt, is used to report canceled or forgiven debts. The IRS generally considers canceled debt as taxable income, with certain exceptions. If a creditor cancels a debt you owe of {$600.00} or more, they are required to file Form 1099-C with the IRS and provide you a copy. The amount of canceled debt reported on Form 1099-C is generally included in your gross income, which means it may be subject to income tax. 

However, there are some situations where canceled debt may be excluded from taxable income. These exceptions include : Debt canceled in a bankruptcy proceeding. 
Debt canceled when you were insolvent ( your liabilities exceeded your assets ). 
Certain farm indebtedness. 
Non-recourse loans ( loans for which the lender 's only recourse in case of default is to repossess the property that serves as collateral ). 
Qualified principal residence indebtedness ( canceled mortgage debt on your main home ). 
These exceptions and their specific requirements are detailed in IRS guidelines and should be reviewed carefully to determine if they apply to your situation.

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 2023-06-12 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: OH

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 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! XXXX should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.

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 2023-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
Upstart and XXXX XXXX have a paid arrangement, where XXXX XXXX will display rates and amounts for personal loans from Upstart, based on your credit score, and with calculated odds of approval. 

I am trying to consolidate debt, and XXXX XXXX shows 'Outstanding " approval odds for a $ XXXX XXXXl loan at XXXX  % APR, based on my XXXX XXXX. This loan would come from Upstart. When I click through to accept the loan and finalize the process, it takes me to the Upstart website. Upstart then reports that I am only approved for up to XXXX ... annoying, but understandable. However, the XXXX has now jumped to XXXX %! This is higher than the interest rate on the credit card debt I am trying to consolidate. 

This is wildly misleading, and could cause less-informed consumers to inadvertently accept a loan with a much higher interest rate than was advertised. XXXX XXXX has my credit score, and the rates they are getting from Upstart should be taking this into account. Instead, they're bulling a bait-and-switch with interest rates inflated by XXXX % or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Netspend Corporation
State: FL

Complaint narrative:
I have called emailed them and filled a few disputes because as I explained to them my phone with access to all my cards and access to every account I had was stolen when I was in the process of becoming homeless and I did get 2 of my disputes to go thru but they denied the rest even though they were from the same day as the one that went thru and same kind of transactions and they even closed my account and are treating me like a criminal me and my XXXX son lost everything we had this year starting with our home and because of XXXX and netspend became homeless please help me correct this injustice and make them correct their ridiculous actions and the card was reported and the dates are all the same they have been bullshitting denying disputes that happened on the same days have not provided the PC and even blocked my emails instead of helping me in the hardest time of my life they just made it more of a nightmare to where I cant even call them or speak to a supervisor or anyone other than who answers the phone

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This is my THIRD attempt with ProCollect and i have already proven them inaccurate. First, they had a FRAUD lease on their record with my name on it at a place i have never lived or been. I told them this, they said, to me and the CFPB, " we have a debt with your name on it, AH HA, its YOURS ''. SO i went around them, filed a police report, an FTC ID Theft Report to prove it was NOT mine and i was in the right. Sent them all that, they still tried to con me. The bureaus blocked it as ID Theft which i had proof it was. Then they have a second debt with my name on it. This place, i ACTUALLY lived but i fulfilled my lease obligations, as proven by the documentation presented. I have the lease that PROCOLLECT SENT ME, and i have bank statements PROVING i moved out when i said i did and fulfilled my lease obligations. Understanding however, that when you move out of an apartment, there may be some fees owed ( last water bill, if something is broken, etc. ) i asked ProCollect to submit to me a fee schedule showing how much i owed. They sent me one ( attached ) that was so small i could not read it under a magnifying lense. They have the wrong amount due, if ANY, and have not provided me this information intentionally because they are not a decent company. I even called them because they are intentionally doing this and tried to pay the full balance over the phone, i could actually see what i owed for, and they said they would call me back, and then brought up the identity theft which, clearly the FTC and the police department agreed i had nothing to do with. PROCOLLECT needs to send me a fee schedule, since they can not prove anything at all, and they know it, that i can read so i can possibly pay what i actually owe, if anything, and we can move past this and stop acting like children.

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 2023-06-12 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Equifax, I hope this letter finds you in good health. My name is XXXX XXXX, and I recently obtained a copy of my Equifax credit report. Upon reviewing it, I discovered multiple unauthorized hard credit inquiries, which I did not consent to and I have reason to believe were not legally permissible. 

Here are the unauthorized inquiries in question : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Department of Education Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Department of Education Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and unauthorized entries on my credit report. I must insist on the immediate removal of these inquiries as they not only distort my creditworthiness but also potentially infringe on my rights as a consumer. 

Should you need any further verification or documentation to prove these inquiries were not authorized by me, please do not hesitate to reach out. I am fully prepared to take further legal steps to ensure my rights under the FCRA are upheld. As you're aware, Section 611 of the FCRA grants me the right to request a reinvestigation free of charge, and under Section 623 ( a ) ( 1 ) ( A ) & Section 623 ( a ) ( 1 ) ( B ), creditors are expected to provide accurate information. 

I request a detailed response in writing affirming that these inquiries have been removed, and I would appreciate it if you could expedite this matter as it is having a profound effect on my financial opportunities. 

Should you disregard this request or fail to comply, be informed that I will be compelled to take further legal action to protect my rights, which could include filing a complaint with the Federal Trade Commission or possibly seeking damages under Section 616 & 617 of the FCRA, for failing to comply with my request in good faith. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation