vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: CT

Complaint narrative:
XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX  Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: GA

Complaint narrative:
my account with XXXX XXXX XXXX  was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. this late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. 

I demand the late payments reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law 15 USC 1666b and its requirements st the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they DID NOT COMPLY with the LAW.

15 USC 1666b ( a ) TIMING OF PAYMENTS : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that creditor has adopted reasonable procedures designed to ensure that each statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT LATER THAN 21 days BEFORE the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith PURSUANT rule 1002 and it was never provided. 

this is unfair, illegal and fraudulent, and not equitable to me as a 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 explanation
Consumer complaint received 2024-10-12 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
Per the CFR Article 8 As a federally protected consumer I am now opting out of all and any authorizations per CFR 313.7 and I the consumer may have written you, written, unwritten, verbal, and non verbal per 15 usc 6802.

I am seeking compensation for damages, public humiliation, and violation of consumer rights. 
Proof of claims are in the uploaded files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
on XX/XX/year> I have contacted the various Credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : 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 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear NATIONAL CREDIT ADJUST, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 
XXXX. Proof of proper reporting : Evidence that you are legally able to collect this debt. 
Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. 
If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 
Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: NC

Complaint narrative:
I recently review a copy of my credit report and i notice i had fraudulent accounts on my report. 
please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: GA

Complaint narrative:
This creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Notice of Rights Violation Dear CFPB, I am writing to formally address a matter regarding my account with 604A XXXX XXXX XXXX ( Account Number : XXXX I believe my rights have been violated in relation to is action is a breach of my rights under the Privacy Act, as it has caused me, I have made multiple payments to this company and they continue to violate me in every way. 
In accordance with the Privacy Act, I request that you take immediate action to I have made several payments to this company, and they report late payments every month, which is not right and not accurate. 
Should this issue remain unresolved, I may have no choice but to escalate my complaint to the appropriate regulatory authorities. I have attached all the documents concerning this issue with this company. They are the worst, and they have really been very unfair to me.

I expect a prompt resolution to this matter and a response within. Should this issue not be resolved satisfactorily, I may have no choice but to seek further action, including reporting this matter to the appropriate regulatory authorities. 
Thank you for your attention to this important issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint and Dispute of Debt Collection Practices Dear Credit Collection Serv, I am writing to formally dispute the collection account referenced in my credit report and to address multiple violations of my consumer rights under federal law. The collection account in question has been placed on my consumer report by your agency without adhering to the required legal procedures. Below, I outline the specific violations : 1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), your agency is required to provide specific validation information to me as the consumer. Despite this, you have not furnished any validation information for the alleged debt, yet it appears on my consumer report.

2. **Lack of Opportunity to Dispute the Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a reasonable opportunity to dispute the account. I have not been given any such opportunity to dispute this account prior to it being reported to the consumer reporting agencies.

3. **Use of False, Misleading, and Deceptive Practices** : Your agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. This is a clear infringement of the guidelines set forth to protect consumers from unfair collection practices.

4. **Improper Furnishing of Information to Consumer Reporting Agencies** : Your agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of these violations, I am requesting the following actions be taken immediately : 1. **Removal of the Collection Account** : The erroneous collection account must be removed from all consumer reporting agencies.

2. **Cease and Desist Communication** : Your agency must cease all communication with me regarding this alleged debt unless it is to inform me that the account has been removed from my credit report or to provide the validation information as required by law.

3. **Provide Validation Information** : If you believe the debt to be valid, please provide all the required validation information in compliance with 12 CFR 1006.34 ( b ) ( 5 ). Please consider this letter as a formal complaint and request for investigation into the aforementioned violations. Failure to address these issues promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I expect a written response within 30 days from the date of this letter detailing the actions taken to resolve these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: SC

Complaint narrative:
I have listed the complaint several time, The bureau have multiple disputes from side, non of the single time i have received a proper response from bureaus aswell from creditor, The Documents are attached under the attachment section, This should be removed as i know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
I am writing to formally lodge a complaint against CareCredit regarding several troubling issues I have experienced with their services. Below, I outline my concerns : 1. Misleading Information from Customer Service On approximately XXXX XXXX XXXX I used CareCredits online chat service to inquire about making an additional payment on my account, as I was unable to do so through my online account. During this chat, I was informed by the customer service representative that I could only make one payment per billing cycle and would have to wait until the next cycle to make an additional payment. This information was incorrect, as I was able to make a second payment the following day. 

2. Difficulty Obtaining Chat Transcripts CareCredits online chat feature complicates the process of obtaining a copy of the conversation. Dollar amounts discussed are obscured, preventing me from fully understanding the details of the interaction. Additionally, the survey completion option and the transcript request option are mutually exclusive. If I choose to fill out the survey, I lose the option to receive a transcript, and when I request a transcript, the survey option disappears. Furthermore, the print button for the transcript does not function, and there is no email option to send the transcript to myself, which hinders my ability to maintain accurate records of communications. 

XXXX. Payment Allocation Issues On XX/XX/2024, I charged {$3100.00} to my account with a Fixed APR. I subsequently made a payment of {$3000.00} on XX/XX/XXXX and received a credit of {$800.00} on XX/XX/XXXX, followed by an additional payment of {$2000.00} on the same day. CareCredit only allocated the minimum payment plus interest to my Fixed APR balance and directed the remainder to my interest-free deferred payments. Consequently, I incurred interest on the remaining balance of the Fixed APR, which contradicts standard practices of prioritizing higher-interest balances. 

On XX/XX/XXXX, I reached out to customer service again to address this issue and was told my request for reallocation was unsuccessful in XXXX, but successful on XX/XX/XXXX, with visibility in 1-2 billing cycles. I was then informed that I needed to contact a different department for resolution. On XX/XX/XXXX, I called and spoke with a representative named XXXX who informed me that CareCredit would only allocates the minimum plus interest towards the Fixed APR balance and that I would have to call and request allocation of payments each time I made a payment, which is unreasonable and impractical. 




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

Sincerely, 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