vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TN

Complaint narrative:
This is as old as XXXX and it was settled after my son was XXXX and everything was returned to them. JEFFERSON CAPITAL SYSTEM XXXX {$2600.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX High Balance {$2600.00} Original Creditor XXXX Past Due {$2600.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have made multiple disputes with all 3 credit bureaus regarding a care credit dispute. I have never received any paperwork suggesting this account belongs to me. I have been going back and forth with each credit union for the last two years with no success. This has been on my credit report for years with no success. I have exhausted all avenues with no response or explanation. This is not acceptable and against the law

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 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I get a bill statement for {$10000.00} from XXXX XXXX for a purchase on XXXX XXXX and I credit limit request that I did not make. Someone use my name and credit to make this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: River Heights Capital LLC
State: MA

Complaint narrative:
I do not recognize this debt because since 2012 I filed for bankruptcy and there is no debt left in my name. I ask for your attention in this case because I can not pay a debt that not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/2023 XXXX XXXX  XXXX2023 XXXX XXXXXXXX/2023 XXXX XXXX XXXX/2023

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 2024-02-21 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: PA

Complaint narrative:
I didn't have enough funds to cover the {$800.00} payment to PayPal credit card. 
I made another payment of {$820.00}, {$150.00} and {$410.00}. Because I miscalculated on the {$800.00} payment they are now holding all my funds until XX/XX/XXXX. 
The {$820.00}, {$150.00} and {$410.00} were taken out of my XXXX checking and given to PayPal credit card. 
Yet, they refuse to let me have access to my money. This is called theft. 
If a criminal on the street robbed me of these funds I could call the police and file a complaint. 
This is why I'm filing this complaint, in the hope, that CFPB can resolve this issue and I can have access to the {$1300.00} that I deposited into PayPal credit card. 
The additional problem is this. I have a credit limit of {$900.00}, so PayPal won't be able to put {$1300.00} onto my card, unless the give me an increase. 
What a mess they've created for 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 explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently did a dispute with TransUnion informing them of me being a victim of the XXXX Data Breach subjecting me to identity theft. Accounts were opened in my name that I did not open and I have asked TransUnion if they could remove it. I have supplied them with all the information that is needed to block the accounts that are listed in my complaint from this Data Breach. Please remove the accounts that are listed from my attached letter as these are not my accounts.

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 2024-02-21 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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute letter XXXX/2024 due to inaccurate information on my consumer credit report. The letter will be attached which is dated and time stamped. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

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 2024-02-21 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: TX

Complaint narrative:
I sent a dispute letter XXXX/2024 due to inaccurate information on my consumer credit report. The letter will be attached which is dated and time stamped. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

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 2024-02-21 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
Two fraudulent hard inquiries on my Equifax credit report. One from XXXX XXXX and a second from XXXX  XXXX XXXX, both on XXXX XXXX, 2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Auto Trakk, LLC
State: FL

Complaint narrative:
The company is not Following Fair Credit Reporting Act... I opted out on Several occasion to have my transaction history along with without giving my written permission to report anything on my credit file... Per the The fair credit report Act ... 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have not given written permission to continue to report anything on my credit... You are supposed to contact the consumer every 30 days to confirm if they would like anything reported on their credit files... I sent a letter and have enclosed a copy that asked you to remove and discontinue from reporting anything on my credit file..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Date : XX/XX/2024 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX pa XXXX Phone number : XXXX Email : XXXX Creditor Name : Amex Creditor Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Reporting debt : XXXX Dear Amex I am writing to dispute a debt currently listed on my credit report and request its immediate removal. The disputed debt Account # XXXX 1. Debt Validity : According to 12 C.F.R. 1006.34 ( b ) ( 5 ), I have the right to dispute the validity of a debt reported by a debt collector. I am disputing the validity of this debt for the following reasons : I never incurred the debt **2. Credit Reporting Error : ** Furthermore, the inclusion of this disputed debt on my credit report constitutes an error under the Fair Credit Reporting Act ( FCRA ). I request that you take the following actions : * **Investigate the dispute : ** You are obligated to investigate my dispute within a reasonable timeframe, typically 30 days. 
* **Verify the debt : ** Provide me with written verification of the debt, including the original creditor, account number, and amount owed. 
* **If debt is invalid : ** If your investigation determines the debt is invalid, you must promptly remove it from my credit report and notify all credit reporting agencies of the error. 
* **If debt is valid : ** If you maintain the debt is valid, provide me with a detailed explanation of your findings and offer a dispute resolution process. 

Please note that I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies if this issue is not resolved to my satisfaction. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
interest rate and transferring loan to so many lenders

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 2024-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I XXXX XXXX and a XXXX Veteran. Due to my XXXX I gave the property management company XXXX XXXX XXXX two ( 2 ) Reasonable Accommodation Letters that both stated that due to health reasons and my XXXX I would need to move out of my home in which I paid my rent and move in with my daughter in order to have around the clock care according to my medical physician. According to ADA Regulations and the Federal Fair Housing Act with the presentation of my Reasonable Accommodations under the protected class of XXXX, I should have been absolved of any rental obligations once I removed myself from the home. I returned possession of the premises on or about the dates of XXXX XXXX  2023. I did this to avoid any prorated charges that would occur the following month. The apartment was left in move in ready status and a walk out inspection was completed by the staff of XXXX XXXX XXXX. In XXXX  2023 I received a bill for an untrue amount in which I disputed. I believe that my constitutional rights of Due Process have been violated. Instead of XXXX XXXX XXXX clearing this unresolved matter in court in the form of retaliation this property management sold this untrue debt to a collection agency in order to have this debt show up on my credit to further harm my future housing status. As a result I now have been charged a higher mortgage rate for my new home that I just purchased through a XXXX  XXXX XXXX Mortgage.

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 2024-02-21 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: TX

Complaint narrative:
Recently I disputed accounts that were on my credit report that did not belong to me. I was a victim of Equifax data breach that ultimately resulted in me being a victim. I have disputed this information countless times with Equifax and provided information to Equifax that this fraud was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/2024 Re : Jefferson Capital Systems Collection Agency RE : Dispute and Complaint Regarding Violation of Consumer Rights Violation To Whom It May Concern, I am writing to formally dispute and challenge the collection activities carried out by collection agency Jefferson Capital Systems in connection with an alleged debt that has been reported to consumer reporting agencies. It has come to my attention that the agency has violated several provisions of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

First and foremost, I am deeply concerned that the agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection account on my consumer report. This violation undermines my rights as a consumer and is a clear breach of federal regulations designed to protect consumers from inaccurate and unsubstantiated debt reporting. 

Moreover, I have not been afforded the opportunity to dispute the alleged account in accordance with 12 CFR 1006.34 ( c ) ( i ). This collection agency 's actions in this regard not only deprive me of my right to challenge the accuracy of the debt but also constitute an unfair and deceptive practice under the FDCPA.

In addition, the agency has failed to provide the necessary disclosures required by law before furnishing the account information to consumer reporting agencies. This lack of compliance with 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ) is a serious violation that jeopardizes the accuracy and integrity of credit reporting systems. 

Furthermore, I hereby revoke any authorization for communication via email, text, or phone calls as per my rights under the FDCPA. 

In light of the foregoing, I am formally requesting the following actions to be taken : 1. Immediate cessation of all collection activities related to the alleged debt pending the outcome of a thorough investigation into the violations outlined in this correspondence. 

XXXX. Validation of the alleged debt as per the requirements of 15 U.S.C. 1692g, including but not limited to the original creditor 's purchase agreement, account statements, and any other documents supporting the validity of the debt. 

XXXX. Proof of the agencys licensure and bonding as required by applicable state laws and regulations. 


I trust that your agency will take this matter seriously and address the concerns raised. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NV

Complaint narrative:
On XXXX I sent a written letter to Experian to investigate an item on my credit report that is incorrect. Experian did not investigate my request, instead I was sent an email stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request XXXX 

I then sent another written letter to Experian on XX/XX/XXXX explaining that I did in fact write the letter in simple language and to delete the error on my report due to failure to investigate, I then received another email stating the same exact thing. " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request XXXX 

I personally believe this is a stall tactic and they are unable to property verify the information on my credit report, but refuses to delete the incorrect information.

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