vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding a credit card collection account allegedly opened XX/XX/year> with a balance of {$480.00} that I believe is being managed in violation of several federal laws. The account in question is associated with XXXXXXXX XXXX ( Originator ) & SPRING OAKS CAPITAL LLC., and I have encountered several issues that I believe warrant your attention. 
Nature of Complaint : o The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report.

o I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) o The Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

o The Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Laws in Dispute : 1. Fair Debt Collection Practices Act ( FDCPA ) o Violation : The collection agency has been contacting me at unreasonable hours and has made threats that are not legally permissible.

o Reference : 15 U.S.C. 1692-1692p 2. Fair Credit Reporting Act ( FCRA ) o Violation : The collection account is inaccurately reported on my credit report despite my attempts to dispute the information.

o Reference : 15 U.S.C. 1681-1681x 3. Truth in Lending Act ( TILA ) o Violation : I was not provided with the required disclosures about the credit card terms and fees at the time of account opening.

o Reference : 15 U.S.C. 1601-1667f 4. Electronic Fund Transfer Act ( EFTA ) o Violation : Unauthorized electronic withdrawals from my account related to the debt have occurred.

o Reference : 15 U.S.C. 1693-1693r

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-13 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: VA

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies on my credit report, which I initially reported on XX/XX/2024. Despite my repeated attempts to resolve this matter, including subsequent correspondence on XXXX, you have failed to provide accurate verification or a method of verification for the disputed items. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputes and verify the accuracy of the information. This includes YOUR duty to contact the furnishers of the information for verification, as outlined in 15 U.S.C. 1681i ( a ) ( 2 ). However, your responses have not provided the required verification or documentation to substantiate the accuracy of the disputed items. 

Given your failure to comply with these obligations, and as stipulated under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are obligated to delete any information that can not be verified. Additionally, 15 U.S.C. 1681i ( a ) ( 6 ) mandates that you delete information that remains unverified. 

The disputed items are as follows : Account names : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX BANK : Account number : XXXX XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX  : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX As this matter has not been resolved despite multiple attempts, I am now requesting the immediate removal of these items from my credit report. Please provide me with an updated copy of my credit report reflecting these changes. 

If this issue is not resolved within [ a specified time frame, e.g., 15 days ], I will escalate this matter by filing a additional complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal actions to ensure compliance with the FCRA. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely,

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 2024-09-13 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: SC

Complaint narrative:
I have unauthorized inquiries on my credit report I will like for you all to DELETE. These are inquires that I have no knowledge of. You can reference the case # XXXX for an identity theft report. According to FRCA section 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have unauthorized inquiries on my credit report I will like for you all to DELETE. These are inquires that I have no knowledge of. You can reference the case # XXXX for an identity theft report. According to FRCA section 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2024-09-13 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: NY

Complaint narrative:
Child Support of XXXX XXXX placed my child support on my credit report, which is 1. Illegal and 2. Its not credit related and shouldnt be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding a credit card collection account allegedly opened XX/XX/year> with a balance of {$480.00} that I believe is being managed in violation of several federal laws. The account in question is associated with Synchrony Bank ( Originator ) & XXXX XXXX XXXX XXXX, and I have encountered several issues that I believe warrant your attention. 
Nature of Complaint : o The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report.

o I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) o The Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

o The Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Laws in Dispute : 1. Fair Debt Collection Practices Act ( FDCPA ) o Violation : The collection agency has been contacting me at unreasonable hours and has made threats that are not legally permissible. 
o Reference : 15 U.S.C. 1692-1692p 2. Fair Credit Reporting Act ( FCRA ) o Violation : The collection account is inaccurately reported on my credit report despite my attempts to dispute the information.

o Reference : 15 U.S.C. 1681-1681x 3. Truth in Lending Act ( TILA ) o Violation : I was not provided with the required disclosures about the credit card terms and fees at the time of account opening.

o Reference : 15 U.S.C. 1601-1667f 4. Electronic Fund Transfer Act ( EFTA ) o Violation : Unauthorized electronic withdrawals from my account related to the debt have occurred.

o Reference : 15 U.S.C. 1693-1693r

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 2024-09-13 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: MD

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: MD

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Deposited a check from the IRS for our business tax return. Chase stated the check was fraudulent in XXXX of 2024. I have made multiple attempts to access the check or have them tell me how they came to that conclusion. I have contacted the IRS, confirmed the check is valid multiple times and been told the bank can not contact them on behalf of me. They said the bank can not hold the check and do not understand what the bank is actually doing. I have not been given a valid reason for this, and now they have closed the account and taken the remaining money from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2024-09-13 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Method Of Verification Request Accounts : XXXX. XXXX dates XXXX XXXX. XXXX dates XXXX XXXX. XXXX dates XX/XX/23, XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can not be provided within XXXX business days, I demand the late payments be removed from my report. 
I am keeping careful records of our communications in case I must file a complaint to se relief and monetary damages under the FCRA Sections 616 and 617. 
After you've completed your investigation, please send the results to me via mail. 
XXXX Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2024-09-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Method Of Verification Request Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can not be provided within 30 business days, I demand the late payments be removed from my report.

I am keeping careful records of our communications in case I must file a complaint to se relief an
d monetary damages under the FCRA Sections 616 and 617.

After you've completed your investigation, please send the results to me via mail.

36 Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : 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 2024-09-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After carefully inspecting my recent credit report, I found a number of fraudulent accounts that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NJ

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-09-13 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: NJ

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX of XXXX  I found out my paypal account that was linked to my XXXX XXXX XXXXXXXX account had been compromised numerous times and unauthorized transactions over {$100.00} from a " XXXX XXXX '' were occurring on my account. 

I reached out to XXXX XXXX XXXX regarding these transactions and they opened a claim. Upon reaching Paypal regarding this. XXXX XXXX  XXXX determined that the Merchant Authorized every transaction. 

This is false. I have reached out to Paypal, but because of how the transactions were sent. Paypal can not offer fraud protection as the form of payment sent was sent as " Friends and Family '' causing Paypal to be unable to offer protection for these transactions. 

I was able to narrow down the transactions that occurred as being over {$100.00} for each unauthorized transaction. 

The person that sent these transactions had unlawful access to my account as they logged into my account and sent the transfers, making it look like I had authorized it. 

I have been in a fight with my bank for the last 5 months and have gotten no where. 

The last date of information sent to my bank was on XX/XX/year> with evidence from the scammer confessing to gaining unauthorized access to my account and admitting that they stole money from my account. Despite this evidence. XXXX XXXX XXXXXXXX Denied my Claim.

Company response to consumer: Closed with explanation