vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear SYNCB/TJX COS ; I was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Threaten to/sued me for a debt I wasnt informed of. Threatening to harm my credit and impact it to harm my daily life which caused stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: AL

Complaint narrative:
I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences.

Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]

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 2023-01-30 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax. please update an remove all invalid data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Ok now Im officially XXXXXXXX XXXX transunion XXXX and XXXX are a bunch of liars. I disputed my XXXX XXXX account it shows two late payment, they were both late because the bank teller put my money against a different loan!!!!!!!! All three of these credit bureaus are a joke, my XXXX XXXX account one day says its closed the next it says its in collection and the next its asking for money, that makes it impossible to dispute because they wont take my dispute and follow the account but they take the XXXX XXXX acc and follow my name and credit report so the a dispute is useless, and all day today XX/XX/2023 they hung up the phone, there sites are un useable and online chat they would disconnect right away. Now I want some answers that will take care of my problem because Ive been at this for 4 months, Ive had it and I want some answers

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX  XXXX # XXXX Auto now financial XXXX # XXXX XXXX XXXX # XXXX XXXX15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from XXXX and Transunion it needs too be removed from XXXX as well

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX 1.15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from Equifax and XXXX it needs too be removed from XXXX as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear MCM ; Midland ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: FL

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. 

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 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MA

Complaint narrative:
On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my 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 2023-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to correspondence received in the USPS.

This is a notice that your claim is denied and disputed. 
Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe. 

I am requesting proof that : 1. I am indeed the party you are asking to pay this debt 2. You possess original creditor documentation/business records with a full accounting using the XXXX XXXX XXXX Principles for charges, payments, interest, etc. of the amount of this debt that be presented as evidence. Also, explain and show me how you calculated what you say I owe. 
3. Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records, where in this informational age anyone could have 4. There is some valid contractual obligation which is binding on me to pay this debt, and 5. You, as a debt collection debut buyer, produce documentation from the alleged creditor authorizing you to report this alleged and pursue collections of an alleged debt. 

Your legal staff will agree to compliance with this request under the laws of Georgia and Federal Statutes. Note, there are no record in Georgia Business search that gives you authorization to collect in the state of Georgia. 

Also, be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX 
I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. 

Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX  Department of adult protective services ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have applied for an apartment and was denied due to XXXX charge on XX/XX/2018 disclosed by TransUnion. I have explain to property manager that charge I was found not guilty and it been expunge. She stated if I show her proof of disposition she will over turn the application decision. I contacted XXXX XXXX XXXX XXXX and they have no record of it due to it being expunged. TransUnion should not be disclosing this informaton n its sealed close so I'm not even sure where they got it from. Please help,

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 2023-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize or do any of these hard inquiries on my reports : 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

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
RoundPoint Mortgage Servicing Corporation bought our loan in the fall of XXXX. They did an escrow analysis in Mid XXXX and raised our monthly payment by over {$600.00}, all of this without notification. When our bill came for XXXX we called and requested a copy of the escrow analysis that they claim was sent to us, it was not. They said they would look into it and make any corrections in 3 business days. When we got the analysis emailed the next day we found out they double charged us for school taxes and did not charge us for local. We called back after 3 business days and were told they corrected the taxes but no one ran another analysis so our payment would be the same for the month and to pay the elevated amount. We asked them to run it and send us proof, representative said they would. After another phone call several days later this issue is still not solved. We have requested an escrow analysis several times to correct our taxes that Roundpoint messed up. Our local taxes are due in XXXX and as of right now Roundpoint has not admitted they charged us twice for school taxes despite their escrow analysis proving they did. 

First phone call was XX/XX/XXXX requesting the escrow analysis that they did not send us that showed their mistake charging us twice for school taxes. 

Second phone call was XX/XX/XXXX asking for an update and being told they would run another escrow analysis to correct the problem. They blamed the township for not charging us local taxes, but township denied this. 

Third phone call XX/XX/XXXX requesting an update. Roundpoint again said they havent run it yet but can do it today.

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 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a car repossessed by Wells Fargo. 
It was a XXXX XXXX XXXX. 
I paid {$13000.00} for it in XXXX. 
I came under circumstances not under my control. 
I was 3-4 months behind my payments, they'd stolen my car in the night. 
I showed up at the branch, with cash in hand, ready to pay off my back payments on a Saturday. 
The banker told me, " that section is closed today since it is a Saturday, probably, they've already sold your car by now. '' Wait? a major bank and that section is closed today, you have to be kidding, what are you doing here, then? 
I said, " how can you do that? I still have a week to redeem, my car. '' Simply shameful 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 2023-01-31 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: FL

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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