vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>, I was charged close to {$2500.00} in interest from 1 year since I began paying through CareCredit/Synchrony bank for services I received from a vender in installments. 
I have made minimum payments every month, pre-set by CareCredit, and so intuitively and logically expected that I was on par to pay off the bill without interest. 

I was not given adequate notice that this interest would be charged, since I was not emailed directly warning me that this due date was approaching, or given this information on the XXXX app I use to make monthly payments. 

This companys descriptive business practices are unfair, as I never assented or agreed to these specific terms, and would certainly not have agreed had I known these terms applied. 

I attempted to remedy the situation by offering to pay off the rest of the bill without the accrued interest, or even construct a new payment plan if they would rescind the interest installment. 
They then informed me there was a 30 day grace period that expired, which again, I was given NO notice of. 

Essentially, this company seems to encourage delinquency of payments in order to collect interest deceptively. I have learned that they require the user to calculate on their own how much they will need to pay to not be charged the arbitrary amount of interest after a year, and this seems extremely problematic as many users will not be able to easily correctly assess how much they need to ensure they pay every month to not get charged. 

Even on monthly statements, this information is deceptively hidden, and carecredit did not send me any monthly statements by email. They only had me pay by logging in or on the app, which does not show the monthly statements until you examine long pdf files. 

Once again, I was not given just notice of what I was being subject to, and the minimum payments I made every month, I believe, gave me reason to believe that I was on time and would not be charged any interest. 

When I originally made this agreement, I did not assent to these terms in particular, and I would have never agreed to this payment plan if I was made adequately aware of these terms. 

And, once again, I should have been adequately warned closer to the due date. Carecredit gave minimal to no effort to do this and now they refuse to help me remedy the situation. 

I ask that your team help remedy the situation, or at least put them on notice that these deceptive business practices can not be tolerated.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inaccurate late payment remarks that I do not recognize as I am always never late.

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 2024-06-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: AL

Complaint narrative:
On XX/XX/year>, I allowed XXXX XXXX to fix any mistakes on my credit report for me. They sent dispute letters to Experian on XX/XX/XXXX and XX/XX/XXXX to remove old addresses. Experian responded on XX/XX/XXXX, saying they didn't think the request was from me. I think Experian should have looked at all the paperwork I sent with the disputes. I gave XXXX XXXX permission on XX/XX/XXXX, and all the necessary documents were sent with the disputes on XX/XX/XXXX and XX/XX/XXXX. I want my disputes to be handled correctly and for any wrong information to be removed as stated in the disputes sent on those dates.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my credit report back in XX/XX/year> and I noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow the reasonable procedure to assume maximum possible accuracy of the information concerning the individual about whom the reports relates. I sent a letter asking to reinvestigate those listed below because Last payment is not correct, and more importantly, my name and address is incorrect XXXX XXXX Open date is not reporting correctly, date last active. Last payment is not correct, and more importantly, my name and address is not correct Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. So request a description of the reinvestigation and they do not provide it to me which is a violation of 15 usc 1681i7. They also violated 15 usc 1681i ( 5 ). Can you look into this matter I have my name and address that I want to correct on your report. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: PA

Complaint narrative:
recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 
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 2024-06-04 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: PA

Complaint narrative:
recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 
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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-06-04 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: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-06-04 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: TX

Complaint narrative:
Dear CFPB, I am writing to vehemently dispute the egregious misuse of my credit by multiple companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. These companies have brazenly violated the Fair Credit Reporting Act ( FCRA ) by accessing my credit report without my express consent or a legally permissible purpose. 
I demand that you investigate this matter immediately and take swift, decisive action against all of the aforementioned companies for their reprehensible conduct. Their blatant disregard for the FCRA is unacceptable, and I expect you to hold them fully accountable for their actions. 
Furthermore, I insist that the hard inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX be promptly removed from my credit report. These unauthorized inquiries have negatively impacted my credit score, and I should not have to suffer the consequences of their unlawful behavior. 
It is outrageous that these companies have flagrantly disregarded my rights and the law. I am filing this dispute to demand justice and expect you to take aggressive measures against these companies for their deplorable actions. I trust that you will take this matter seriously and ensure that justice is served. 
I expect to receive a comprehensive copy of the results of your investigation as soon as possible. The CFPB must hold these companies accountable for their egregious violations of the FCRA and protect consumers from such unscrupulous 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 2024-06-04 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-06-04 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX To Whom It May Concern, This letter is in response to notices from your company and concerns raised by your erroneous reporting to the credit bureaus, negatively impacting my credit report. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, I dispute your claim, and I am seeking validation, not verification. 
I am not requesting proof of my mailing address but competent evidence of any legal obligation to pay you. Please provide : Details of the debt, specifying the amount owed. 
Explanation and breakdown of how the claimed amount was calculated. 
Copies of any agreements demonstrating my commitment to pay. 
Verification or a copy of any applicable judgment. 
Identification of the original creditor. 
Confirmation that the statute of limitations has not expired. 
Proof of your license to collect in my state. 
Your license numbers and registered agent or agent of service. 
If your offices have reported validated information to any major credit bureaus ( XXXX, Experian, or XXXX ), any negative mark found may result in legal action, including but not limited to violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character.

I request a minimum of 30 days to investigate the provided information. During this validation period, all collection activities must cease.

Any detrimental action to my credit reports may result in legal action. 
If your company fails to respond to this validation request within 30 days, I demand the deletion of all references to this account from my credit report. A copy of this deletion should be sent to all three major credit bureaus immediately. 
I also request no telephone contact at my home or place of employment. Any attempts, including computer-generated calls or correspondence to third parties, will be considered harassment, leading to legal action. Future communications must be in writing and sent via USPS to the address in this letter.

Ensure your records are accurate before legal action becomes necessary. This letter aims to correct records for the purpose of validation. 
Best regards, 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 2024-06-04 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: Premier Auto Credit
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX To Whom It May Concern, This letter is in response to notices from your company and concerns raised by your erroneous reporting to the credit bureaus, negatively impacting my credit report. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, I dispute your claim, and I am seeking validation, not verification. 
I am not requesting proof of my mailing address but competent evidence of any legal obligation to pay you. Please provide : Details of the debt, specifying the amount owed. 
Explanation and breakdown of how the claimed amount was calculated. 
Copies of any agreements demonstrating my commitment to pay. 
Verification or a copy of any applicable judgment.

Identification of the original creditor. 
Confirmation that the statute of limitations has not expired. 
Proof of your license to collect in my state. 
Your license numbers and registered agent or agent of service. 
If your offices have reported validated information to any major credit bureaus ( XXXX, XXXX, or XXXX ), any negative mark found may result in legal action, including but not limited to violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character. 
I request a minimum of 30 days to investigate the provided information. During this validation period, all collection activities must cease. 
Any detrimental action to my credit reports may result in legal action. 
If your company fails to respond to this validation request within 30 days, I demand the deletion of all references to this account from my credit report. A copy of this deletion should be sent to all three major credit bureaus immediately. 
I also request no telephone contact at my home or place of employment. Any attempts, including computer-generated calls or correspondence to third parties, will be considered harassment, leading to legal action. Future communications must be in writing and sent via USPS to the address in this letter. 
Ensure your records are accurate before legal action becomes necessary. This letter aims to correct records for the purpose of validation. 
Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
They have not sent ANY information it has been over a year since I asked for this information. Which I was told everything would be removed once they found out there is NO EVICTION from the state of GA for an eviction at all in my name for the dates they are claiming. They said that would take 30 days. That was XX/XX/year>. I also asked for them to show the dates they claimed I attended a court case. I have contacted the courts and there is nothing in my name for an eviction at all, because I was never evicted. 
Either way, the reporting requirements do not comply with fcra 611 ( 15 u.s.c. 1681i ) and needs to be deleted and permanently removed immediately. I do not appreciate having things like this in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XX/XX/year> a letter of debt validation was sent by certified mail to Columbia Debt Recovery LLC , Genesis XXXX XXXX XXXX XXXX XXXX WA XXXX. 
XXXX XX/XX/year> confirmation of letter with signature *As of XX/XX/year> I have not received any documentation showing proof of debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

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