vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-13 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Was calling in and checking on a fraud claims and they keep transfer me to different departments and getting rude reps all young XXXX XXXX XXXX .. and refused to pull up my credit card account and check my claim and refused to give me a temporary credit and help me out with my account. The fraud department is a joke and keep giving me the run arounds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My Barclays credit card was fraudulently charged {$5200.00} on XX/XX/XXXX. When I realized this on XX/XX/XXXX or XXXX, XXXX I went online to the Barclays website and reported it as a fraudulent charge. I received an automatic response that they would look into it. 
The next day my credit card didn't work and I realized that they had canceled it. They emailed me that they were removing the charge. They sent me a new card. 
On XX/XX/XXXX I received a form letter from Barclays ( XXXX XXXX XXXX XXXX XXXX  XXXX ) saying that their investigation had determined that the charge was valid and it had been put back on my account. 
I called the telephone number shown on the letter ( XXXX ) and assured them that it was NOT a legitimate charge. 
The customer service representative told me that I had to contact the vendor and tell them they had made an error and ask for a credit. They gave me a telephone number ( XXXX ) and told me it was an XXXX XXXX store in XXXX, XXXX XXXX 
There was no answer and no voice mail on that phone number. 
I called Barclays again and another customer service representative assured me that it was IN FACT a legitimate charge, for me under my name, at my address, using my credit card ( which has a chip in it ). She read me a list of construction supplies including labor, plumbing and trash removal but refused to send it to me. She said several times that I was probably forgetting that I had made this purchase. And if not forgetting, that I was lying. 
She told me the only thing I could do was file a police report. 
I have filed a police report against Barclays, and also a complaint with the XXXX  State Attorney General 's Office. I faxed these materials to Barclay but have heard nothing from them. 
They have now added an interest charge of {$150.00} to my Barclays credit card account. 
I have had that card for several years and pay my bill in full every month. This is the first time I have had a fraudulent charge.

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 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Sun Trust merged with BB & T to become Truist. XXXX was the 1st payment that was due using their new portal. I logged in on XX/XX/XXXX and made my payment however for some reason it didn't process. There was never any notification that it hadn't been processed until I logged on to their portal on XX/XX/XXXX and I noticed they were charging me a late fee. I explained what happened to their support person who said they understood and it would be waived and I paid both the XXXX and XXXX payments at that time. 

In XXXX I noticed that my Credit Score had been hit and when I logged on to their portal they still had a late fee. I called in again and was told that they could waive the late fee, which they did, and that I would need to submit a dispute to clear the hit to my credit, Which I did. 

A week and a half later I received a letter stating that my dispute was denied. I went to the browser history for my computer and can clearly show that I logged into their portal on XX/XX/XXXX. The only account I have with Truist is the Mortgage account and therefore making the payment is the only reason I had to log in that day. I took a screenshot of the browser history and submitted it to the 3 Credit Agencies with a Dispute. I just heard back from XXXX that Truist is refusing to reverse the report. I assume they will have the same response to the other 2 Credit Agencies.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Barclays credit card cashed my certified check of {$5400.00}, but did not credit my account. The company told me they have no record. I have a copy of the cashed Certified check that was cashed by Barclays on XX/XX/12. They refuse to credit my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: OH

Complaint narrative:
Client Services has repeatedly called me at all hours of the day, nearly every day, since XX/XX/2022. I have blocked the multiple phone numbers that they use, and have told them to stop calling me. They have yet to do so. If needed, I can provide receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
We purchased and had solar system installed by XXXX. They did not complete the setup since back in XX/XX/2019. We have a loan with loanpal for the solar system. Loanpal and XXXX and I, made a 25 year agreement. The purchase agreement from loanpal says XXXX  have 5 days to finish the completion of the start date. They have breached their contract and we can't seem to receive help from neither XXXX  or loanpal. We are asking to look into these companies, not only for XXXX and XXXX XXXX of XXXX, Fl but shut them down for all the other people that have the same dilemma. Thank you and hope to see a change.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: MN

Complaint narrative:
My mortgage was originally a XXXX -- it was sold to a Mortgage Servicer Gregory Funding last XXXX of XXXX. 
During this time the Mortgage was under a Forbearance due to COVID. 
In XXXX of XXXX I sent in a Modification Request -- after a series of back and forth where they asked for additional information ( which I supplied ) As of Today ( XX/XX/XXXX ) they have not responded with any answer on this Modification Request. 
What are my rights? 

Thanks so much for your assistance! XXXX XXXX Mortgage Information : Gregory Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: OK

Complaint narrative:
In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX with Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: OK

Complaint narrative:
In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX  Account # XXXX with Account name : 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 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
Debt Collector has placed a debt against me that is not my debt. This has been going on for years and has ruined my credit. They refused to delete this unknown debt and I have no idea where this came from. 

JEFFERSON CAPITAL SYST Account XXXX Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$270.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$270.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history 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 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 Collection I have been with XXXX XXXX XXXX for years. 

Please help me remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. SYNCB/XXXX, Inquiry Date : XX/XX/XXXX XXXX. SYNCBXXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit 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 non-monetary relief
Consumer complaint received 2022-04-13 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: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed Credence Resource management a letter, by certified and return receipt mail, stating they need to give me the full audit trail on the account they are reporting negatively on my account. 

I HAVE NOT given permission to any person, any debt collector, and/or any creditor for the release of my information to a third party. They keep calling me even though I have told them to stop calling me. Credence has not responded to my letter. 

I do not want a letter saying they can not verify who I am. I've already included my name, address, and the account number for this derogatory account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED TRANSUNION REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY XXXX AND XXXX. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY EQUIFAX AND XXXX. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In 2019 my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been 3 years since having the vehicle in my possession. 
Credit Acceptance still reports the original balance and report late payment every month

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend card was used without mu permission in the amount of {$2600.00} and {$600.00}. I filed a police 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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
TELETRACK has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE TELETRACK VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
Transunion has used a method to share my information called dark patterns

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
I did not know about that collection account southwest recovery. I never receive any phone call or latter. This account is not one of my accounts that may be opened due to identity theft. So I would like to dispute both accounts from all of the credits bureau.

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 2022-04-13 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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