vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made huge strides in clearing up my credit to include removing a recent debt with XXXX XXXX. Please Refer to Complaint ID # to XXXX Date XXXX. The result was that XXXX XXXX  removed a debt off of my credit report completely. This has been notified to all 3 credit bureaus. I have my current score with XXXX as well as XXXX with some improvement in score. However Experian has notified me as " unscoreable '' as my debts that were terminated whether settled or deleted by the debt collect now shows that I have nothing to score. How is it that I can get scores from the other bureaus but not Experian? I have added my credit card that has yet to make an impact and I tried having my phone company submit pay history and bills but still Experian has not budged on a scoring for me. My husband and I are trying to avoid homelessness as we are trying to purchase a home. He is a XXXX veteran who will need to utilize the veterans home loan. For that loan, they need both parties credit scores from all 3 bureaus. His end all 3 show, mine however show 2 out of the 3 bureaus. Experian ruling me unscoreable is the only reason our loan can not go through. XXXX has me scored me with a XXXX credit score and XXXX has scored me with a XXXX credit score. I've cleared everything on my credit in a short amount of time with the highest of patience in the process but with this being the last thing I need in order to purchase a home with my husband, I really need to have some type of score posted via Experian to have our loan be able to go through. I don't know who else to turn to. 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 2024-10-08 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
PLEASE SEE MY CURRENT CLAIM THROGH YOU XXXX, WHICH YOU MAY SEE IN YOUR SYSTEM AND ATTACHED DOCUMENTATION TO THE ABOVE NUMBER. ALSO I AM ATTACHING ADDITIONAL DOCUMENTATION TO TO THIS CLAM RELATED TO THE SAME MATTER RE MY CAT XXXX  CHARGE FOR {$1000.00} FROM XXXX XXXX XXXX. PLEASE HELP TO STOP SCAM VET PRACTICES.

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Nordstrom/TD Bank USA XXXX XXXX XXXX XXXX XXXX , CO XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Dear Nordstrom/TD Bank USA : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding their reporting of inaccurate and harmful information on my credit report, which has caused significant financial and emotional damage. 

On XX/XX/year>, I sent XXXX a formal notice disputing the accuracy of the information they reported to the credit bureaus regarding the account number XXXX. I cited my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and requested validation of the alleged debt, which they have failed to provide. Despite my request, XXXX continues to report the account as charged off, with a balance of {$430.00}, causing serious damage to my credit score. 

The inaccurate reporting of this account has led to multiple denials of credit, negatively affecting both my personal finances and business. Furthermore, this situation has caused significant emotional distress and damaged my reputation. 

XXXX 's reporting is not only inaccurate but also violates the FCRA, as they have failed to correct or verify the debt. Under the FCRA and FDCPA, XXXX is required to either provide validation of the debt or cease reporting the account. Their failure to do so has resulted in substantial harm to my financial standing. 

Actions Taken : On XX/XX/year>, I sent a formal debt dispute and validation request to XXXX under 15 U.S.C. 1681s-2 ( FCRA ) and 15 U.S.C. 1692 ( g ) ( FDCPA ). 
Despite this request, XXXX has continued to report inaccurate information, failing to validate the debt or provide a satisfactory response. 
I have not received any communication regarding the requested debt validation, and the erroneous information remains on my credit report, negatively impacting my creditworthiness.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding their reporting of inaccurate and harmful information on my credit report, which has caused significant financial and emotional damage. 

On XX/XX/year>, I sent XXXX a formal notice disputing the accuracy of the information they reported to the credit bureaus regarding the account number XXXX. I cited my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and requested validation of the alleged debt, which they have failed to provide. Despite my request, XXXX continues to report the account as charged off, with a balance of {$430.00}, causing serious damage to my credit score. 

The inaccurate reporting of this account has led to multiple denials of credit, negatively affecting both my personal finances and business. Furthermore, this situation has caused significant emotional distress and damaged my reputation. 

XXXX 's reporting is not only inaccurate but also violates the FCRA, as they have failed to correct or verify the debt. Under the FCRA and FDCPA, XXXX is required to either provide validation of the debt or cease reporting the account. Their failure to do so has resulted in substantial harm to my financial standing. 

Actions Taken : On XX/XX/year>, I sent a formal debt dispute and validation request to XXXX under 15 U.S.C. 1681s-2 ( FCRA ) and 15 U.S.C. 1692 ( g ) ( FDCPA ). 
Despite this request, XXXX has continued to report inaccurate information, failing to validate the debt or provide a satisfactory response. 
I have not received any communication regarding the requested debt validation, and the erroneous information remains on my credit report, negatively impacting my creditworthiness.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-10-08 00:00:00
Product: Credit reporting 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:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Revenue Enterprises, LLC
State: OK

Complaint narrative:
XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with XXXX after I did not receive proof of debt from each company. 
XX/XX/year> I mailed XXXX, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> XXXX Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to Revenue Enterprise, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from XXXX only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from XXXX that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with XXXX after I did not receive proof of debt from each company. 
XX/XX/year> I mailed XXXX, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> XXXX Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to XXXX XXXX, XXXX. XXXX XXXX, Midland Credit Management, XXXX, XXXX, and XXXX requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from XXXX only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from XXXX that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
I, XXXX XXXX XXXX, am filing a dispute due to incorrect information on my credit report. I would like set the record straight. Please see details below : I received a copy of my credit report and am disputing an item that needs to be deleted. I have listed the account, the opening date, and account number below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : Original : XXXX XXXX XXXX XXXX Debt Collector : SOURCE RECEIVABLES MNG_ XXXX. 
According to the provisions of the Fair Credit Reporting Act 15 U.S.C 168i these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. XXXX XXXX XXXX XXXX a failed to properly notify me which violates the Right to Notice.This is covered under UCC 9-611, which requires the lender to notify the debtor and before selling the collateral. At the time of the leasing an identification card to verify my identity was produced, which XXXX XXXX XXXX XXXX and/or SOURCE RECEIVABLES MNG should have in there possession. I will provide a copy of my Drivers License associated with me. I request that XXXX XXXX XXXX XXXXXXXX and also produce a similar copy to my Identification card. To comply with Anti-Fraud Laws : Under the XXXX XXXX and other anti-fraud regulations, businesses, including leasing, are required to verify the identities of their customers to prevent money laundering, terrorism financing, and other illegal activities. This is part of the Know Your Customer ( KYC ) regulations. XXXX XXXX XXXX XXXX, was in breach of contract to add an unauthorized grantor, which voided the contract when they added an unauthorized guarantor to the lease. If XXXX XXXXXXXX XXXX XXXXXXXX and SOURCE RECEIVABLES MNG do not prove that only I was on the lease, I ask that they remove all collections of debt and accounts from all reporting agencies as this has hindered my abilities to gain financially. I also ask for the entire amount to be redeem of {$9800.00} in a settlement check send to the address below from SOURCE RECEIVABLES MNG who is liable for my damages. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-08 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: DC

Complaint narrative:
In accordance of 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. 

Acct Name : XXXX XXXX Acct Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Has violated my rights 15 U.S.C 1681 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 consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Contacted Chase Bank ( Amazon ) numerous times regarding transactions dispute... told I need to contact merchant! Never mentioned I had so many days to file dispute. Called on XXXX requested to speak to Supervisor after rep stated I could not file a complaint until I know the check in date. Supervisor XXXX stated I had 180 days, to dispute the transaction, then state 118 days retracting with 60 days! I wrote the merchant and called to no avail. A credit of {$500.00} was issued ( which should have been my deposit ) XX/XX/XXXX {$470.00} dispute XX/XX/XXXX $ XXXX XX/XX/XXXX {$480.00} dispute XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$720.00} dispute XX/XX/XXXX {$120.00} dispute

Company response to consumer: Closed with explanation