vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-14 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with 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 2024-12-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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  ( Original Creditor : I XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$9400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX  XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Debt Amount : {$1900.00} Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX XXXX XXXX Dear Collection Agent, I am writing in response to your communication regarding an alleged debt for services provided by XXXX XXXX XXXX XXXX on XX/XX/XXXX. As permitted by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe.

1. Debt Validation : Please provide a detailed breakdown of the alleged debt, including any medical charges, fees. or collection costs. I am currently unaware of the total amount due and would appreciate clarification before moving forward.

Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to protect my private medical records. I do not recall authorizing XXXX XXXX XXXX XXXX to release my medical information to any third party, including your agency. HIPAA allows for the release of limited information, but any further release requires my explicit authorization.

Please provide : A copy of my signed authorization permitting XXXX XXXX XXXX XXXX to release my medical information to A complete account of the information you received from the provider in connection with this alleged debt.

In accordance with the FDCPA, I request that you cease any credit bureau reporting until this debt has been fully validated. Reporting inaccurate or unvalidated debt to the credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), for which I can seek damages.

4. Documentation Request : To comply with HIPAA and FDCPA regulations, I expect full documentation of any information your agency has received from the provider regarding this debt. If your agency is withholding any part of my medical information for HIPAA compliance, this may constitute a violation of the FDCPA, as it would prevent me from fully validating the debt.

Please respond to this request by sending all requested information to my address listed above within 30 days of receipt of this certified letter. If you are unable to provide the necessary documentation and validation, I expect the immediate closure of this collection account and the removal of any related reporting from my credit file.

Thank you for your attention to this matter. I will await your timely response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I made numerous attempts to have old inaccurate deleted from my credit report. I haven't had any compliance with this matter. XXXX has been reporting inaccurate and reinstating old information that hasn't been verified with me. This is a violation of FdCPA and the fcra consumer laws 15 usc 1681 and 1692.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Formal Complaint Against TD BANK USA/TARGET CREDIT for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by TD BANK USA/TARGET CREDIT to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt. The discrepancies are as follows : Incorrect Account Balance : TD BANK USA/TARGET CREDIT has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account. Failure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by TD BANK USA/TARGET CREDIT , I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS. I have made several attempts to resolve these issues directly with TD BANK USA/TARGET CREDIT. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing. As this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that XXXX XXXX complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt. Please let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This is prior to the last attacment but I did not receive this information from actual FTC but legal aid through federal lawyer. So as it was prior but not readily available to send to the companies Experian which asked to call but not able to do much again repeated last so that is past my control as well. XXXX XXXX is working and in progress again this was prior for XXXX XXXX but no it is unrealistic to keep sending same items to do anything if there is nothing to show or for me myself to compare or look up. 
XXXX I did have the data breech information in prior to the apparent cut off date. But unbiased still the most difficult to work with. So except for XXXX they do need to put forth a little more effort. But I am still behind if the other two need info if I do not have it to supply from 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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: OH

Complaint narrative:
This morning, I saw that my credit score dropped XXXX points and a third line of credit was opened through my bank. It was a debt of {$70.00}. The name of the organization that posted it was XXXX XXXX XXXX. From further research, online it says they collect for XXXX. I have not had an agreement with XXXX in nearly XXXX  years and have received nothing from them/XXXX  regarding unpaid services. I tried calling Waypoint and it said they could not answer because of technical problems. Every review says this group is scamming people and provide no documentation to support what theyre trying to collect. I need assistance getting this removed from my credit report and ensuring they do not have any of my information moving forward.

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 2024-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
Fraudulent report to my credit with an inaccurate charge off date when no payments or activity have been made to the account in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was checking my credit on the XXXX XXXX  website and it disclosed that I had a capital one credit card with a {$500.00} credit limit. Further, it reflected the date the credit account was opened ( XX/XX/2023 ). I called Capitol One and asked how was the credit card account opened. I verified my DOB, SSN, and provided a pin number that was sent to me via text message. Capital One would not provided what address they had on file or how the account was opened. Additionally, Capital One fraud department representative ( which was located in the XXXX ) told me they could not close the account. I requested Capital One to close the account because it was not authorized by me. The Capital One representative me they couldn't close the account with me verifying my identity. The representative provided an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After that, I hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Problem still remains from previous complaints : XXXX, XXXX Today I finally received the attached correspondence from Truist Client Advocacy . XXXX XXXX also included my account statement from XXXX for account ending in XXXX. 

However, XXXX XXXX still fails to include the correct information. I have attached the documents here. 

XXXX-nearly a week after the statement date, I received the letter stating I owed {$0.00} for account ending in XXXX. 
XXXX-a week after the statement date I received an additional letter stating that I owed the balance from the deposit account ending in XXXXwhich is correct-balance of {$310.00} ( including a {$7.00} " maintenance fee '' ) I had made arrangements with Truist 's recovery team to pay this balance, paying {$190.00} on XXXX leaving a balance of {$110.00}. I made arrangements to pay this balance on XX/XX/year>, but had not heard back from XXXX XXXX until XX/XX/year> the correspondence i previously sent to you. 

This is what should happen and I previously asked for over 2 months ago. 1-Truist to honor the charge off of account ending in XXXX and balance of {$0.00}. 
XXXX XXXX to notify the Recovery department of the CORRECT balance owed for account ending in XXXX, {$110.00}. 

Once this has been completed, I will call the Recovery department and pay the balance.

This isn't rocket science and it has now become a further nuisance and time wasting task. I have attempted to remedy this on several occasions.

I shouldn't be punished because Truist 's right hand can't talk to the left hand. Truist also has a history of predatory practices of charging ridiculous fees.

I just want this finished, but I refuse to be bullied by Truist anymore.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation