vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX XXXX XXXX XXXX XXXX  have violated all ABOVE laws

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 2024-09-22 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: TX

Complaint narrative:
I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX XXXX XXXX XXXX XXXX have violated all ABOVE laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: OH

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, addresses, and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$140.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
.On XX/XX/2024 it's been XXXX  days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of equifax XXXX XXXX. on XXXX  XX/XX/2024 i sent a letter regarding inaccurate and unknown things on my report its been mor than XXXX  days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the Equifax XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
.On XX/XX/2024 it's been XXXX  days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX  XXXX XXXX. on juneXX/XX/2024 i sent a letter regarding inaccurate and unknown things on my report its been mor than XXXX  days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the 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 2024-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> Us auto XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Dear Us auto credit, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
Requested XXXX Bankruptcies dismissal be removed due to no execution.

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 2024-09-22 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: Sunbit, Inc.
State: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX/SUNBIT ] [ Account XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I moved out of my last apartment ( XXXX XXXX ) XXXX XXXX XXXX in XXXX XXXX, XXXX  and never got any information regarding my deposit and when I went to return my keys I was informed that I owed {$300.00}. They were not able to provide anything and I left the apartment better than I arrived so there was no reason to take my deposit let alone have a balance owed. Fast forward I check my credit report and see a local collection company ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX  is trying to recover this debt, but I still haven't heard from anyone via mail, phone or email. So I have been disputing this for months now to no avail.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I been trying to contact the bank by phone to correct my mailing address on system however has not been possible due to the customer service representatives do not find my account with my social security number. The account is closed but is still being reported to the credit bureaus with inaccurate personal information that must be corrected. Also, the account name is XXXXOLDNAVYDC but this bank does not any information related to the account due to a " transfer ''. Account. # : 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 2024-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Earnest Inc.
State: TN

Complaint narrative:
A private loan was secured with Navient during my XXXX  education as I was not able to apply and receive any federal loan loans to get my education during an intro to XXXX  semester. During 2008 during a period of significant economic inflation, I was forced to take a XXXX  loan That had to sustain my student lifestyle while I waited opportunities for XXXX  per the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: OH

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 2024-09-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I spoke in person with Assistant Manager XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keybank National Association Branch. I requested XXXX XXXX to liquidate my corporate Certificate of Deposit held in the name of XXXX XXXX XXXX, which is incorporated within the State of XXXX. I am the 100 % owner and I, in person, purchased the CD on XX/XX/XXXX account number XXXX. See the attached copy of the CD and receipt for the purchase of {$50000.00}. Assistant ManageXXXX XXXX XXXX did not explain to me why the hold was on my CD which is stopping me from cashing it out and who placed the hold on my CD. I am being denied my {$50000.00} without just cause. I would like a written explanation of why I am being denied my {$50000.00} and who is responsible for placing the hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$85.00}

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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Dispute of Collection Account XXXX Dear Sunrise Credit Service I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within 30 days of receiving this letter. 

If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just recently applied for a credit card and the bank denied my application due to XXXX XXXX, and before applying to this bank I couldn't see my credit scores in any bueruas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
In XX/XX/year>, I purchased a XXXX grooming kit on XXXX using PayPal Credit. After only 4-5 weeks of use, I noticed significant defects in the product, including rusting blades and poor performance of the trimmer and shaver. I suspected that the product might be counterfeit and contacted PayPal Credit to dispute the purchase on XX/XX/year>. They informed me that my dispute could not be processed because the dispute window had closed. 

I sent the product to XXXX for evaluation, and they replaced the blades without my consent. They did not provide any confirmation regarding the authenticity of the product. I reached out to PayPal Credit again on XX/XX/year>, but they did not provide any support or guidance on how to proceed. 

Additionally, I had to pay for shipping costs to and from the service center, which added to my financial losses. I believe PayPal Credit has failed to protect my consumer rights and provide adequate support for a defective product. 

Dates : Purchase Date : XX/XX/year> Contacted PayPal Credit : XX/XX/year> Product Sent to XXXX for Evaluation : XX/XX/year> Product Returned from XXXX : XX/XX/year>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 2024-09-22 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: PA

Complaint narrative:
I am reaching out to raise serious concerns regarding multiple issues with my credit report. Upon review, I found several inaccuracies, including incorrect account listings, inconsistent billing, and accounts that are not mine. These discrepancies pose a significant threat to my financial security, and I urgently request your assistance in resolving them.

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 2024-09-22 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: PA

Complaint narrative:
I am reaching out to raise serious concerns regarding multiple issues with my credit report. Upon review, I found several inaccuracies, including incorrect account listings, inconsistent billing, and accounts that are not mine. These discrepancies pose a significant threat to my financial security, and I urgently request your assistance in resolving them.

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 2024-09-22 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both accounts above are not mine!! 
and my name is : XXXX XXXX XXXX my birth year is : XXXX, NOT : 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 2024-09-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both accounts above are not mine!! 
and my name is : XXXX XXXX XXXX my birth year is : XXXX, NOT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: OH

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights

Company response to consumer: Closed with non-monetary relief