vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is now my third complaint in the CFPB regarding Equifax. In my previous complaint I pointed out that Equifax allowed unauthorized companies to access my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Equifax claimed that the inquiries from XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX  are " factual ''. Again I personally have no acknowledgement of these inquires whatsoever. I have a record of who I have given the permission to access my credit report. As stated in former complaints I have no recognition of EVER giving permission to access to the furnishers above. Equifax sent me information to review and confirm and again I can not confirm the information because I didn't give the access. This is not fair as a consumer to be taken through tiresome loops when I notify the Bureaus that there is inaccurate information on my credit report and they don't address the problem. They send computer generated responses and say that they " verify '' the information. If I as the consumer let them know that I didn't authorize an inquiry they must provide me with information on how the permission was given. Is there a signature given or even an account attached with the inquiry .... The reason why they can not is because there is no information regarding me giving the permission because I didn't. Equifax has sent me letters, which I will attach to this complaint, that are saying they " verified '' the information and the inquires are " factual ''. I have reached out to each of the furnishers about these inquires and notified them of the error. They have stated that they will be informing the Bureaus and apologizing for the error and yet Equifax is saying that they are factual. Clearly there is a problem and it is with Equifax not following the FCRA for who can access a persons credit. When I first notified Equifax about there being unauthorized inquires on my credit report ; they were supposed to at least place a fraud alert on my credit report to ensure this doesn't happen again, and yet, Equifax hasn't done anything EXCEPT. tell me that the inquires are factual. When they aren't. I expected more from Equifax and I don't believe that this is fair on me as a consumer because NOTHING is being done to protect my identity. I'm not sure if this is fraud and Equifax has to much pride to even take my complaints seriously. I expect them to take my complaint serious and do what the furnishers have stated to me and remove the unauthorized inquires!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have had a checking account at XXXX XXXX  XXXX XXXX XXXX XXXX Florida since 2010 my checking account number and pin XXXX XXXX. I have been using my checking account to pay my Amazon XXXX monthly bill using auto-pay from Amazon synchrony Bank whose address is Amazon. XXXX XXXX. this has been working smoothly for 10 years. On XX/XX/XXXX I received a notice from Synchrony Bank that my Amazon store card has been closed down and I may not get another one. I contacted Amazon synchrony and they told me that I must contact XXXX bank which recently merged with XXXX XXXX become truist. XXXX has had numerous customer complaints about funds not being available debit cards not working and all kinds of banking errors. I looked on my synchrony Store card account and discovered that the digits to the last 4 numbers of my checking account were transfer so it didn't say XXXX XXXX any longer it was a different number. Amazon said my payments were being declined. I could not understand this as the account has over {$600000.00} in it. Finally I found the problem and I corrected the payment method by opening a new payment source using the correct checking account number and correct routing number from truist. I can only assume that truist made a digital error or keyboard error in entering my account number when the name of the bank changed. I would like the result of this complaint to be that synchrony accepts that this was a banking error in involving keyboard and not the consumer 's fault.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX failed to eliminate a re-aged debt in my credit report. 

The original debt was with XXXX XXXX XXXX  and it is dated XX/XX/XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. Given the age of the debt, the obsolescence date for XXXX XXXX XXXX XXXX was XX/XX/XXXX ( 7 years and 180 days ). Despite this, the obsolescence of this debt was was extended by the collector, as it is reflected by both Credit Bureaus, until XX/XX/XXXX. 

It is my understanding, according to the Federal Credit Reporting Act, that the sale or transfer of a charged off account by an original creditor can not change the allowable period a credit bureau can report a delinquent account ; therefore, a debt collector can not change the 7-year and six months reporting period, which in my case is long overdue. 

Given that the date for the Compliance/Obsolescence Date can not be changed by the original creditor or any debt collector which purchases the delinquent account, I requested from both bureaus to eliminate this debt from my credit report, which was denied. I believe that the decision of these 2 Bureaus overlooked the fact that the debt was re-aged, as it had expired in XX/XX/XXXX. 

I respectfully request that you consider the above-mentioned facts, and provide remedy to what I understand is a mistake from the Collector and the aforementioned Credit Bureaus.

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 2022-04-10 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:
Transunion is unfit

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 2022-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivables Performance Mgmt. LLC is in violation of these ordinances enacted this year.

I have attached a copy of the record they sent me without a California license or a date of the last payment made. I have also attached a copy of a letter I sent requesting this info of which I have yet to receive.

Sec. 1 Section 1788.11 ( f ) Sending written or digital communication to the person that does not display the California license number of the collector in at least 12-point type.

SEC. 2. Section 1788.52 of the Civil Code is amended to read : 1788.52. ( a ) A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer possesses the following information : ( 3 ) The date of default or the date of the last payment.

( 7 ) The California license number of the debt buyer.

( c ) A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt.

If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ).

This information was copied from : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a third party complaint. I filed an identity theft affidavit with Experian on XX/XX/2021 under case number XXXX and the XXXX XXXX XXXX did no comply with federal laws by blocking and removing the accounts. Because of his failure to comply my family and I have not been able to obtain credit and get housing. Federal law requires me to file a identity report with the federal trade commission or a police report and provide identification. I provided the identity theft affidavit and my identification on the above case number as proof and nothing was done. I demand CEO XXXX XXXX under XXXX Experian to block and remove all the accounts. It is your fiduciary duty to protect me as a consumer and report accurate information. My family and I are now homeless because of your failure to follow basic fair credit reporting law procedures.

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 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
After examining my credit report, Portfolio Recovery was marked as a delinquent account. I sent a certified letter asking for verification of debt. The letter was delivered and signed on XX/XX/22. After the letter was signed I continued to receive phone calls. I have not answered the phone, and they will not leave a message. Caller ID is showing PORTFOLIORECOV XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: Veros Credit, LLC
State: GA

Complaint narrative:
XXXX is unfit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I have requested validation of debt, as well as, validation methods from XXXX XXXX XXXX. I have sent the request twice via certified mail, of which I have receipts. I received a statement from the " original creditor '' and have yet to receive a signed contract with my signature on it I have previously sent a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe to another company. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I did not consent to XXXX for validation and have yet to receive a contract bearing my signature. 

XXXX is still reporting this collection on my credit report, which is considered to be a collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act 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 fumish 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 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc.
State: FL

Complaint narrative:
Hello this is XXXX XXXX and I cant pay the whole {$820.00} that I now owe to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX has violated my rights. 

15 u.s.c 1681 section 602a. states that i have a right to privacy.

150u.s.c 1681 section 604a 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 2022-04-11 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: CA

Complaint narrative:
XXXX and TransUnion failed to eliminate a re-aged debt in my credit report. 

The original debt was with XXXX XXXX XXXX and it is dated XX/XX/XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. Given the age of the debt, the obsolescence date for XXXX XXXX XXXX XXXX was XX/XX/XXXX ( 7 years and 180 days ). Despite this, the obsolescence of this debt was was extended by the collector, as it is reflected by both Credit Bureaus, until XX/XX/XXXX. 

It is my understanding, according to the Federal Credit Reporting Act, that the sale or transfer of a charged off account by an original creditor can not change the allowable period a credit bureau can report a delinquent account ; therefore, a debt collector can not change the 7-year and six months reporting period, which in my case is long overdue. 

Given that the date for the Compliance/Obsolescence Date can not be changed by the original creditor or any debt collector which purchases the delinquent account, I requested from both bureaus to eliminate this debt from my credit report, which was denied. I believe that the decision of these 2 Bureaus overlooked the fact that the debt was re-aged, as it had expired in XX/XX/XXXX. 

I respectfully request that you consider the above-mentioned facts, and provide remedy to what I understand is a mistake from the Collector and the aforementioned Credit Bureaus.

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 2022-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has committed fraud and reps are liable via FDCPA Disputed XX/XX/XXXX Merchant responded Capital One requested proof of communication and my notification to merchant about fraud and goods. Was returned by XX/XX/XXXX with over 30 pictures showing proof requested. Stayed on the phone with rep to ensure it was received. She confirmed and said theyd resolve within 14 days. 
Not resolved. Called back and was told it was still being investigated. 
Called back at the end of XXXX and the rep said it was closed and could not be reopened. Rep said shes sorry no one revisited the investigation. I explained their negligence because they had all adequate information asked for. Rep said she could not get me supervisor and apologized. Told them Id be issuing a complaint as it was their fault it was past the amount of days for resolution. Put me on hold and said her supervisor gave the same answer. 

Names of some employees : XXXX Account Manager Fraud and Disputes Employee Id : XXXX I cited federal and she told me it doesnt apply and instead cited Per terms and conditions ILLEGAL XXXX XXXX ID : : XXXX XXXX Fraud Protection Department XXXX XXXX XXXX US based Frauds and Disputes Employee ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I notified my bank and have had a case closed twice. Ive asked for it to be reopened again. I can not understand with all the proofs Ive sent them why they are not taking this matter seriously and refunding my money. I purchased three items from XXXX XXXXXXXX XXXX  XXXX XXXX  on XXXX XXXX of 2021. Two transactions through XXXX for {$5400.00} and {$5400.00}. XXXX never sent a receipt. Theses were ordered over the phone. He is in XXXX I sent a copy of an email from XXXX stating I have no receipt. The one purchase was for a jacket that was sold ILLEGALLY as per federal law it must have country of origin in it, which it does not. I sent pics of the tags that say only leather and how to clean. As to the skirt and dress it is a case of grand larceny as I never got them. The dress was {$3300.00} and the skirt was {$1800.00} with tax and shipping on top of that. I have filed a police report in this matter with my local police department. I have also hired an attorney in XXXX I can not believe in such a case of breaking laws my bank will not do anything to help me in this matter. Other than not having a receipt I have proofs pictures texts emails, voice messages. Huntington Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Company charger more than the car was worth and was still charging even thoe they didnt even sell it yet plus dealership sold me a damaged car when they know it was damaged car was not drivable at all plus lost my job so had no funding

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 2022-04-11 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX Acct # XXXX # XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXXXXXXXX Inquiries : # 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 explanation
Consumer complaint received 2022-04-11 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act 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 fumish 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 non-monetary relief
Consumer complaint received 2022-04-11 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act 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 fumish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MO

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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

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