vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. SYNCB/XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

XXXX. XXXX  Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

XXXX XXXX XXXX XXXX  ( Original Creditor : SYNCHRONY BANK ) Act # : XXXX Please verify this account and delete this account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GRP ) Acct # : XXXX Please investigate the validity of this account and delete. 

XXXX. XXXX XXXX ( Original Creditor : XXXX SYNCHRONY BANK ) Acct # : XXXX Please delete and remove this account and investigate.

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 2022-03-17 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 — Was not notified of investigation status or results
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. AWA COLLECTIONS ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # : XXXX Please delete and remove this account and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One closed my Venture card that I had for about 2 months giving a very cryptic excuse. The card was wrongfully closed with no warning or explanation. Now, Capital One is REFUSING to refund my {$390.00} annual fee, or permit me to access the approximately {$1500.00} in rewards points ( cash value ) that I had in the account. In essence, Capital One has stolen the annual fee from me and my rewards points. I am an attorney, and if they refuse to return my stolen funds, I will gladly sue them in court, and I will ensure that they spend many thousands in attorneys ' fees defending this case, far in excess of the amount they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...

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 2022-03-17 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) Acct # : XXXX Please delete and remove this account and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my TransUnion credit report. XXXX XXXX Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada 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 2022-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I attempted to contact RVO and was informed that I could not speak to the representative at the extension that I called. I tried to contact the company to request a full ledger of the account, release from income tax statement as well as a judgment paid in full statement. As of date, I have received no response from the law firm. This debt has been paid in full and in its entirety. My attempts to communicate with this law firm go unnoticed or simply ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
A deposit of a tax return was returned to sender unauthorized my husband is the second card holder on my account he was asked for ca id and ssc and proof of address I sent them all 3 they still sent the deposit back to sender

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 2022-03-17 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: AL

Complaint narrative:
My name is XXXX XXXX and I am the one filing a complaint. 

ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received in XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a problem when I was taking care of my father with XXXX.. 
I rectified the problem and paid off the car with Wells Fargo.. 
This has been at least two years maybe three and this is still Ion my report.. They were to rectify it..

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 2022-03-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my 2 minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated combat veteran ) I went to court and the DOR agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping 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 non-monetary relief
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my XXXX minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated combat veteran ) I went to court and the XXXX agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Oklahoma Student Loan Authority
State: IN

Complaint narrative:
osla student loan amount of XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...

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 2022-03-17 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:
In regards to the XXXX XXXX and XXXX account listed on my consumer report. Ive allowed Transunion, XXXX and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.

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 2022-03-17 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: U.S. BANCORP
State: AZ

Complaint narrative:
My Personal Information has gotten into the wrong hands and been used to apply for credit that I did not authorize

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 2022-03-17 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My Personal Information has gotten into the wrong hands and been used to apply for credit that I did not authorize

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 2022-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My Personal Information has gotten into the wrong hands and been used to apply for credit that I did not authorize

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