vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

High Balance : {$XXXX} Credit Bureaus Reporting : TransUnion and XXXX Issues and Violations 1. Discrepancies in Reporting The account status is reported as closed on both credit bureaus, which is inconsistent with the Date of Last Activity being reported as XX/XX/XXXX on TransUnion and XX/XX/XXXX on XXXX. This inconsistency violates FCRA Section 1681e ( b ), which requires accurate reporting of information. 
2. Lack of Proper Verification Both credit bureaus report that the account has been resolved, but it remains disputed by me. FCRA Section 1681i ( a ) ( 5 ) mandates that the creditor must provide proper documentation of the debt, which has not been provided. As a result, this account is unverifiable and should be deleted.

3. Failure to Properly Report The remarks from the creditor indicate a dispute resolution, but no substantiating details are provided. Per FCRA Section 1681i ( a ) ( 1 ), when a dispute is reported, the creditor must provide verification, which has not occurred.

4. No Reporting of Payment History or Past Due Amount Neither credit bureau reports any payment history or past due amount for this account, further confirming that the information is incomplete and unverifiable. This violates FCRA Section 1681i ( a ) ( 5 ) ( A ), which requires the reporting of accurate and complete information.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX bank XXXX illegally closed my bank account when I deposited money to meet the {$XXXX} bonus. They didnt think I was going to qualify for the {$XXXX} bonus I guess they assumed I was broke. When I began meeting the advertised deposit for the bonus they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
I was notified by my credit card company that I had something added to my credit report. I checked and its a negative reporting from Procollect Inc. I have never been contacted by them or sent any information. I never received anything from the apt complex I moved out of either. I tried calling procollect and was told I owe it and thats all. Nothing makes any sense as I have an email from the manager of the complex stating I wouldnt be charged for damages in the apt because it was caused by the machines they installed flooding the apt and the company they sent in then damaged the floors.

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 2025-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. XXXX  Account XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : Documented Inconsistencies : XXXX. Account # XXXX : o XXXX  : Shows consistent XXXX lates o XXXX : XXXX Account information disputed '' o XXXX : XXXX Too new to rate '' Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident

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 2025-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. CITI Account XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : Documented Inconsistencies : XXXX. Account # XXXX : o XXXX  : Shows consistent XXXX lates o XXXX : XXXX Account information disputed '' o XXXX : XXXX Too new to rate '' Applicable Laws & Violations : XXXX. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than XXXX years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident

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 2025-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. XXXX  Account XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : CITI Account XXXX Documented Inconsistencies : XXXX. Account # XXXX : o Multiple payment status discrepancies o Inconsistent reporting of late payments Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident

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 2025-01-12 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: GA

Complaint narrative:
On XX/XX/year> I filed another complaint against XXXX ( complaint # XXXX ) stating that XXXX XXXX is fraudulently reporting incorrect information on my credit report and that XXXX is not conducting a proper investigation into my claims. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 

Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect. 

Despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.

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 2025-01-12 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: GA

Complaint narrative:
On XX/XX/year> I filed another complaint against XXXX ( complaint # XXXX ) stating that XXXX XXXX is fraudulently reporting incorrect information on my credit report and that XXXX is not conducting a proper investigation into my claims. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 

Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect. 

Despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. XXXX XXXX  Account ( XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : Documented Inconsistencies : XXXX. Different Credit Limits : o Varying amounts across bureaus 2. Inconsistent Closure Dates 3. Different Payment Histories Applicable Laws & Violations : 1. Section 607 ( b ) of FCRA [ 15 U.S.C. 1681e ( b ) ] : Violation : Failure to maintain accurate credit limits 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The XXXX XXXX XXXX failure of accurate reporting means the disputed items/accounts should have been removed. 
3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update closure information consistently 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of account terms 5.
CFPB Regulation V, 12 CFR 1022.41 : Violation : Inconsistent reporting of fundamental account terms 6. FTC Commentary 623 ( a ) ( 1 ) ( A ) -2 : Accuracy of account terms Violation : Inconsistent reporting of fundamental account terms

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 2025-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Subject : Dispute Regarding Refund and Account Closure with XXXX XXXX XXXX Synchrony Bank ) Issue Type : Problems with a credit or consumer loan Details of the Complaint : I financed my Byte aligner treatment through XXXX XXXX, which is owned by Synchrony Bank. Recently, XXXX refunded {$2100.00} to my XXXX account. XXXX informed me that XXXX would refund me the difference between the refunded amount and my outstanding balance. 

I have verified that my XXXX account is now marked as closed, but I have not received any communication or refund of the difference from XXXXSynchrony Bank XXXX I have contacted XXXX XXXX multiple times to request clarification and to inquire about the timeline for receiving my refund, but they have not responded to my emails or inquiries. 

I am seeking assistance in resolving the following issues : XXXX. Confirmation of the {$2100.00} refund from XXXX and its application to my account. 
2. Confirmation of the outstanding balance prior to the refund.

3. Immediate processing and issuance of the refund for the overpayment difference. 
4. Documentation of the account closure and confirmation that no balance remains. 

Desired Resolution : I would like XXXX XXXXSynchrony Bank to provide : A detailed breakdown of the refund and how it was applied.

A full refund of the difference between the {$2100.00} refund and my previous balance. 
Written confirmation of my account closure and that no further action is required on my part. 

This lack of communication and delay in processing my refund is unacceptable, and I am requesting CFPBs assistance in resolving this matter promptly. 

Additional Information : Loan Originator : XXXX XXXX XXXX owned by Synchrony Bank ) Refund Issuer : Byte ( Byte.com ) Account Status : Closed

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
Between the dates of XX/XX/XXXX and XX/XX/XXXX I have several delinquencies on my credit report doesnt tell me the original owner. All the companies are third-party so my information was sold to a third-party company which is illegal and when they call, they ask for me to update my information which I dont have to do because they should have that information if this credit belonged to me which it doesnt And I need this removed and I asked him. How did yall get my information and they tell me they cant the disclose that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: 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. 


Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX 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 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 2025-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. CITI Account XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : CITI Account XXXX Documented Inconsistencies : XXXX. Account # XXXX : o Multiple payment status discrepancies o Inconsistent reporting of late payments Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident

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