vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; XXXX, Equifax and XXXX. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, XXXX, Equifax, and XXXX fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, XXXX, Equifax, and XXXX furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : XXXX, Equifax, and XXXX does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e.

By not adhering to these statutes, XXXX, Equifax, and XXXX jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; XXXX, XXXX and Experian. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer.

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, XXXX, XXXX, and Experian fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, XXXX, XXXX, and Experian furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : XXXX, XXXX, and Experian does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e. 

By not adhering to these statutes, XXXX, XXXX, and Experian jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.

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 2024-04-27 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: Experian Information Solutions Inc.
State: FL

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. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account iam asking you to verify, account nameXXXX 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 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
According 15 U.S.C 1692c c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
For nearly a year I have been unable to access my TransUnion credit report and score online through my TransUnion service center or process online disputes. This has not affected my ability to log in, but it has affected my ability to get my consumer report, my credit score, and submit an online dispute including my needed XXXX XXXX  dispute online. I have tried to resolve the matter with TransUnion via email, text message, online chat, and phone call. TransUnion has showed bad faith and maliciously prevented me from accessing this impertinent information and resolving this error, by giving me the run around, promising to have a supervisor call or email me back and then never doing so having me submit the request through several methods, online, via phone, then transferring me to another department and then hanging up on me, ignoring my text messages, refusing to email me as required by the debt bondage act and my XXXX reasonable accommodation. This has been done in bad faith and maliciously to cause me to not be able to submit another dispute online. This is a direct violation of my rights and protections. I have requested you to fix this error multiple times and they have not. This is in violation of my rights and is causing me substantial harm. Its important to consider that as a result of this error going unresolved, the XXXX  - related information remains on my credit file which also violates my rights and exacerbates the XXXX  and harm that Transunion has inflicted on me and my family.

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 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). You are claiming I owe a debt with the following details : Account Name : CITICARDS CBNA Account XXXX Amount XXXX Please provide me with the following information to validate this alleged debt : Proof I owe this debt : Provide documentation demonstrating that I have a contractual obligation to pay this debt ( e.g., signed contract, billing statements ). 
Name and address of the original creditor : If the debt has been transferred, provide the name and address of the original creditor. 
Itemization of the debt : Provide a breakdown of the claimed amount, including principal, interest, and any applicable fees. 
According to the FDCPA, you have 30 days from receipt of this letter to provide this validation. While awaiting validation, please cease all collection activities. 

If you fail to provide the requested validation, I will consider the debt invalid and expect any negative reporting associated with it to be removed from my credit reports.

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 2024-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I used ComenityXXXX XXXX XXXX to pay for {$1200.00} of dental work. I made regular monthly payments including paying late fees at times that I didn't believe I owed. The reason I didn't agree with the late fees is because I would call in to make my payment before the due date and the auto payment system wouldn't be working. I would get a rep on the phone who would ask me for my Comenity credit card number. I would try to explain that I didn't have a Comenity credit card. The reps seemed unable to understand that. We would go round and round and I would hang up and mail my payment in. In XX/XX/XXXX I made what I believed was my final payment of {$400.00}. I wrote PAID IN FULL on my check. In XXXX I received a bill from Comenity XXXX XXXX for {$180.00}. I also discovered that they are reporting me as past due to the credit bureaus. I filed disputes with the credit bureaus and received a letter for Comenity Capital Bank in XX/XX/XXXX stating that they had investigated my dispute and show that I have a balance due of {$220.00}. The XXXX bill I received shows a balance {$310.00} They are increasing the amount I owe monthly and reporting this to the credit bureaus when I don't pay. I wrote PAID IN FULL on my final check to avoid these types antics

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app number XXXX I trying to call lady she pick up Ill be reported why u open my account without my Authorization Than asking me money and take my money without authorization Ill be reported my bank and stop my account but I call today as above number she hang my number I need to fix my issues this company use my name and my social without my permission privacy and fraud apply her number as above and name cash app is new generated in XXXX as fraud web to catch people name and take money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company continues to put fraudulent information on my credit report. They have been blocked from my credit report once but now they keep making up information to put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: SC

Complaint narrative:
I recently reviewed my consumer report and I noticed that there were several inaccurate and inconsistent reported late payments on my account with Sallie Mae that I havent been late for as I have been in forbearance for several years. There were XXXX in XXXX and now they are reporting XXXX late payment for XX/XX/XXXX. They have restricted access to my account and are unreachable in attempting to regain access to my account to correct and investigate these errors for myself. 

In addition to that, late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. 

Under 15 USC 1681 Section 602 states I have a right to privacy.

Under 15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I kindly request and appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: SC

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 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 2024-04-27 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: FL

Complaint narrative:
Trans Union, XXXX, and XXXX are reporting fraudulent information on my credit report. Please know that I have sent FTC documents and identification documents and they are refusing to assist me in this matter.

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 2024-04-27 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: FL

Complaint narrative:
XXXX XXXX, Equifax, and XXXX are reporting fraudulent information on my credit report. Please know that I have sent FTC documents and identification documents and they are refusing to assist me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: CA

Complaint narrative:
A company called American coradius international send me a letter telling me that I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. When my account has a XXXX amount and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: TX

Complaint narrative:
Account XXXX XX/XX/year>. 15. U.S.C 1681 section 602 A. States I have the right to privacy. 15.US.C. 1681 604 states a consumer reporting agency can not furnish a account with my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: TX

Complaint narrative:
Account XXXX XX/XX/2024. 15. U.S.C 1681 section 602 A. States I have the right to privacy. 15.US.C. 1681 604 states a consumer reporting agency can not furnish a account with my written 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 2024-04-27 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: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.

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 2024-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). You are claiming I owe a debt with the following details : Account Name : JPMCM - Card Services Account Number : XXXX Amount OwedXXXX Please provide me with the following information to validate this alleged debt : Proof I owe this debt : Provide documentation demonstrating that I have a contractual obligation to pay this debt ( e.g., signed contract, billing statements ). 
Name and address of the original creditor : If the debt has been transferred, provide the name and address of the original creditor. 
Itemization of the debt : Provide a breakdown of the claimed amount, including principal, interest, and any applicable fees. 
According to the FDCPA, you have 30 days from receipt of this letter to provide this validation. While awaiting validation, please cease all collection activities. 

If you fail to provide the requested validation, I will consider the debt invalid and expect any negative reporting associated with it to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This company is putting things on my credit report that is fraudulent. I have NEVER lived at this place. I have been trying to combat identity theft for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-27 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:
Account XXXX XX/XX/2024. 15. U.S.C 1681 section 602 A. States I have the right to privacy. 15.US.C. 1681 604 states a consumer reporting agency can not furnish a account with my written 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 non-monetary relief