vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, XXXX XXXX XXXX, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with XXXX XXXX XXXX. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausExperian, Equifax, and XXXX detailed documentation, including proof of payment and correspondence from XXXX XXXX XXXX, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly. 

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the XXXX XXXX XXXX XXXX intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, XXXX XXXX XXXX, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with XXXX XXXX XXXX. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausExperian, XXXX, and XXXX detailed documentation, including proof of payment and correspondence from XXXX XXXX XXXX, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly.

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the XXXX XXXX XXXX XXXX intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, DE 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: KS

Complaint narrative:
We have requested a pay off amount and we never received. Trying to do a short sale but company will not get back to us or give an amount that is acceptable. They refuse to return calls or emails or communicate in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: NJ

Complaint narrative:
I had a debt which I refuted with the company XXXX and explained that I never opened any debt with them. They charged off my account, put in collections with another collection agency after they already wrote off the debt, and didn't provide me with a 1099 since the write off of the debt. The company started harassing me, I requested some information to validate the loan if they say it is mine. They was given multiple letters but failed to send me any of the validation required by law. I have all the letters back and forth from me and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm a vicitm of the equifax data breach the accounts listed below are not authorized by me, I have never done business with national credit systems Empire Rental Living At XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender Empire Rental Living At XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX System Date Assigned XXXX XXXX, 2024 XXXX XXXX, 2024 XXXX XXXX, 2024 Original Balance {$17000.00} {$17000.00} {$17000.00} Current Balance {$17000.00} {$17000.00} {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: OR

Complaint narrative:
This follows on a complaint from XXXX that was never resolved. I manage the finances of an elderly parent. While this person was in the hospital in XXXX, a health aide made an unauthorized {$2.00} charge on their Discover card that was not caught for several months. I was made an authorized user on the card ( otherwise Discover would not speak with me ). It took months to finally resolve this issue due to Discover 's inefficiency and lack of helpfulness. Every few months, despite this being resolved over a year ago, Discover reports a delinquent payment on MY credit report, crashing my credit score by 30-50 points every time. Each time it takes months to resolve. This has happened several times since my last CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One sent me a trace number. I called XXXX XXXX with the trace number and was told that number didn't match anything. I then told XXXX XXXX  my identity had been stolen and gave XXXX XXXX my personal information and was advised that yes someone tried to open an account in my name. But XXXX XXXX was suspicious and froze the funds. They then sent the money to XXXX XXXX who also told me they have the money and it is in hold. XXXX XXXX needs to speak with someone from Capital One to have the money returned. I have advised Capital One of this but no one will contact them. 

I received a letter from Capital One telling me I, on XXXX, set up a link to XXXX XXXX  and authorized the transaction. First I was in the hospital at that time and next, I NEVER established a link to XXXX XXXX. I called and spoke to Capital One about the 2 transfer links that were set up by me previously, and neither of them are to XXXX XXXX. I asked the person if there was ever a link to XXXX XXXX and he told me no. SO, whoever sent this letter is completely wrong and takes the easy way out by just denying my claim. I have given them all the info they need and just want them to use it and get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting 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:
To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following com- pany ( s ) have reported charge off ( s ) on my consumer report : [ XXXX XXXX XXXX XXXX XXXX ] It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my 1040 Tax Form, and as such, it should not impact my credit report negatively.

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
( 1. ) Letter sent to me from Synchrony Bank, XXXX XXXX XXXX XXXX XXXX  regarding Synchrony XXXX XXXX account ending in XXXX. 

( 2. ) Letter stated : " After a review of your account Synchrony Bank has decided to close your account. The reason for their decision is the number of dishonored payments on this account. 

( 3. ) I contacted the bank and spoke to an employee named " XXXX '' employee ID # XXXX. I inquired of her to provide what payments and when they were dishonored, to clarify why I asked the question is because I made an electronic payment to Synchrony bank in the amount of {$95.00} as required by their payment notification shown on their website for this account. Synchrony 's online payment policy as found in the terms and Agreement paragraph " states '' online payments will be posted within XXXX XXXX hours. This action did not occur based on my follow-up of ensuring the payment was received, however ; there was no indication that the payment was received/posted after 3 days. This is not the first time payment was made but not posted until several days later and not as stated in the Terms and Conditions clause. 

( 4. ) I then asked XXXX if I can speak to a manager or the bank manager ( someone I believe would have the authority to waiver/rescind the initial letter sent to me ). Her response was she is a supervisor/manager and " quote '' the only one in the bank that can take the action I requested. XXXX stated it was not possible to make an exception in this matter and she was the only one with the authority to do so if possible. She begrudgingly stated the reason given to me for not reversing the bank 's decision was solely because their policy is strict and no exceptions will be considered. 

( 5. ) I invite you to review the activity sheet for this account which can be found on the Synchrony Bank website. It reflects various actions ( dated XXXX XXXX- XXXX XXXX ) initiated by Synchrony bank. There is no indication of a dishonored payment shown here or in my personal checking account ( XXXX XXXX XXXX XXXX ) that would prompt Synchrony to initiate the action as stated in their letter dated XX/XX/year>. It is clearly visible that a payment made by me in the amount of {$190.00} on XXXX XX/XX/year> is posted on the website under my account. Furthermore ; this payment has been debited from my XXXX XXXX XXXX XXXX XXXX account. 

( 6. ) There is Clear Unmistakeable Evidence ( CUE ) that Synchrony has an accounting system that is not updating in a timely manner, accounting for, or providing accurate information as it pertains to my account and more than likely many others.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX XXXX update the account to PAID/NEVER late and send me a copy of my updated credit report.

Company response to consumer: Closed with explanation