vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may excercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : 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 2024-04-19 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXX Account Number : 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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
CREDIT COLLECTION SERVIC Account XXXX Understand, this letter does not serve as a refusal to pay, but official notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCRA ), I have the full legal right to request validation of any debts I am claimed to owe.

I am formally asking for proof that I am in fact the party required to pay this debt. I am also requesting proof of a contract in place that binds me to this alleged debt.

I want to be clear that I am not requesting verification. I am formally requesting VALIDATION as outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Pursuant to this section of US Code, I have the full, legal right to request validation of any debts I am claimed to owe. I am requesting your agency send me acceptable proof of validation within 30 business days. An alleged contract is NOT acceptable proof of validation. 

In the event you can produce such documentation, I will require 30 business days to process said documentation. During this time, all collection activity MUST be paused and credit report remover inmediately. Please note that noncompliance of this request constitutes as a clear violation of the FDCPA. If such a violation should occur, my legal team has no problem pursing complaints with the FTC, CFPB and any other legal action necessary. 

Provide the following information : An agreement between your agency and the original creditor showing that you are authorized to collect this debt on their behalf. 
Original agreement between the alleged debtor and the original creditor showing where he/she agreed to payment terms.

Amount of commission paid to debt collector if debt collection is successful.

Name and address of original creditor.

Address on file for the alleged debtor.

Send copies of all documentation requested in the above section within 30 business days and allow 30 business days for processing. Again, this is a formal request for validation made pursuant to the Fair Debt Collection Practices Act. Any non-compliance of this request will be met with legal action. 

XXXX XXXX

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 2024-04-19 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:
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 this item listed below for me to ensure accuracy. 

XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2024-04-19 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: NV

Complaint narrative:
After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this 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 2024-04-19 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reportina agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the Following dates ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: GA

Complaint narrative:
I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these accounts have held my life back for 2 years now. I am not being approved for anything by lenders, I can not expand my finances or even find a nice place to live all while being a single parent. The effects these accounts are having on my life are becoming more, and more detrimental.

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 2024-04-19 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: GA

Complaint narrative:
attempted to sign into my online account with XXXX on Sunday XX/XX/XXXX, was denied access to my account, working with Agent I managed to change my password and gain access ... today, XX/XX/XXXX I again tried to access my online account and was taken to Security page for XXXX asking if I was human, check YES box and nothing happens, called PayPal and spent 2 hours with various agents in which no one was able to give me access to my account ... several attempts were made thru the RESET PASSWORD link sent to my email address, but received message that link was expired..links are suppose to be good for 10 minutes, but the links sent to me by PayPal are expired ... now I am locked out of my account due to " too many attempts to change password '' according to live agents

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 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I have been sent to collections, and I need the debt returned to the original creditor. We plan on getting the debt settled with our timeshare, but XXXX has not validated the debt and is only getting snarky with our requests to exercise our rights under the FDCPA because this debt is disputed.

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 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I never received any notice about this debt in the mail. The company has not contacted me by phone or by mail in regards to this debt. The debt just appeared on my credit report and I do not know where it came from. I have never had an account with the company claiming I owe them this debt. They are claiming I opened an account on XX/XX/2023, but I was out of the country during this time and did not visit this theme park at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
Upon reviewing my credit report, I noticed an error in one of the accounts XXXX  XXXX. It indicates two late payments, but I made those payments on time. It's crucial that consumer reporting agencies maintain accurate information. These discrepancies occurred in XXXX and XXXX of XXXX. I kindly request an investigation into this matter and ask that you promptly update the payments to reflect them as paid on time. Thank you for addressing this issue promptly.

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 2024-04-19 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My business card was fraudulently charged the following amounts and it was reported to the credit card on XX/XX/24 that all the following charges were fraudulent and card was cancelled. All of these charges were from the same company. Capital One has failed to refund the charges and is expecting me to pay the balance in full. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal TransUnion XXXX and XXXX when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation.

Respectfully 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 non-monetary relief
Consumer complaint received 2024-04-19 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: NC

Complaint narrative:
XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal XXXX Equifax and XXXX when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation. 
Respectfully XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX states this account was open XX/XX/XXXX? I never had an accoount with XXXX XXXXhey stated on the phone that it was a syncb XXXX however, the account they bought was a XXXX XXXX account. This was an original syncb walmart credit card opened in XX/XX/XXXX closed XX/XX/XXXX when it was sold to XXXX XXXXXXXX. if you notice on origianal report it shows paid on time for XXXX and XXXX it does not show a balance or anything else. was up to date on payment shows XXXX balance when I called syncb on XX/XX/XXXX the recording said XXXX balance. then I called XXXX XXXXXXXX it said XXXX balance. I called XXXX then the next time I talked to XXXX XXXX they said I needed to contact XXXX  which I did again. On the origianal crdit balance was XXXX and it was with Syncb XXXX I can not find out anything from XXXX XXXX. I requested from XXXX the orginal contract and statements of payments and explained to them it shows XXXX balance. they could not give me any info. I can not get any info from anyone. XXXX states its a Syncb XXXX which is XXXX XXXX why would synchb sent it to them if It was paid on time? They are wrong it should have never went to them. It was paid in full per syncb 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 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
A payment was not accepted during the Forbearance. 
The payment was rejected by SLS.

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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I placed a dispute to transunion stating the information on my credit report was incorrect, they did not do a thorough investigation and sent the information back as verified, the accounts in question one account is not my account, and the other account has never been late due to documents disclosed below.

Company response to consumer: Closed with explanation