vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt 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 2025-02-01 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: FL

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate reporting of late payments on my XXXX student loan ( Account # XXXX ) across multiple credit bureaus. These inaccuracies appear on my : Experian Report : Account # XXXX Equifax Report : Account # XXXX TransUnion Report : Account # XXXX These late payment reports are completely inaccurate, as I have consistently made all payments on time. This erroneous reporting is damaging my credit profile and violates federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information on consumer reports be 100 % accurate, complete, and verifiable. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer reports. The reporting of incorrect late payments when I have paid on time is a clear violation of this provision. 
2. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Information furnishers, such as XXXX, are prohibited from reporting inaccurate information if they know or should know it is incorrect. If XXXX has supplied inaccurate late payment data, they are in direct violation of this law. 
3. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If a consumer disputes inaccurate information, the credit bureaus must conduct a reasonable investigation within 30 days and correct or delete the incorrect data. 

Requested Actions I request the CFPB to take immediate action in investigating this matter and enforcing my rights under the FCRA. Specifically, I demand : 1. A full investigation into the inaccurate late payment reporting on my XXXX student loan across Experian, Equifax, and TransUnion.

2. Immediate correction or removal of the false late payment entries from my credit reports.

3. Written confirmation from XXXX and the credit bureaus verifying the corrections made to my credit file. 

I have attached supporting documentation, including copies of my credit reports, payment records, and previous dispute attempts, to substantiate my claim. 

I trust that the CFPB will take the necessary steps to ensure compliance with the FCRA and protect my consumer rights. I look forward to your prompt response and resolution of 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate reporting of late payments on my XXXX student loan ( Account # XXXX ) across multiple credit bureaus. These inaccuracies appear on my : Experian Report : Account # XXXX Equifax Report : Account # XXXX TransUnion Report : Account # XXXX These late payment reports are completely inaccurate, as I have consistently made all payments on time. This erroneous reporting is damaging my credit profile and violates federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information on consumer reports be 100 % accurate, complete, and verifiable. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer reports. The reporting of incorrect late payments when I have paid on time is a clear violation of this provision. 
2. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Information furnishers, such as XXXX, are prohibited from reporting inaccurate information if they know or should know it is incorrect. If XXXX has supplied inaccurate late payment data, they are in direct violation of this law. 
3. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If a consumer disputes inaccurate information, the credit bureaus must conduct a reasonable investigation within 30 days and correct or delete the incorrect data. 

Requested Actions I request the CFPB to take immediate action in investigating this matter and enforcing my rights under the FCRA. Specifically, I demand : 1. A full investigation into the inaccurate late payment reporting on my XXXX student loan across Experian, Equifax, and TransUnion.

2. Immediate correction or removal of the false late payment entries from my credit reports.

3. Written confirmation from XXXX and the credit bureaus verifying the corrections made to my credit file. 

I have attached supporting documentation, including copies of my credit reports, payment records, and previous dispute attempts, to substantiate my claim. 

I trust that the CFPB will take the necessary steps to ensure compliance with the FCRA and protect my consumer rights. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0XXXX 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 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 non-monetary relief
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0XXXX 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 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 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 2025-02-01 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: MS

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MS

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
I disputed incorrect errors many times for the last 2 years. I disputed errors at least 5 times in XXXX. I BEEN TRYING TO BUY A HOUSE. NOW THEY SET ME DOCUMENTION ON MY CREDIT REPORTS XXXX, XXXX, XXXX IT LOOKS BAD..My reports still shows errors of my loan not being paid the last time I checked WITH EQUIFAX. I paid it off early as I do with all my bills. PAID OFF XXXX LOAN EARLY. Always under 30 % ratio compared to the nation. The last 1 1/2 YEARS I had to pay medical, food and car repairs, MY BILLS WERE STILL PAID ON TIME. MY MANAGEMENT OF PAYING MY BILLS IS GREAT COMPARED TO THE NATION, WHICH I AM SORRY FOR THAT. NO MATTER HOW MANY TIMES I REPORTED THE ERRORS NOTHING WAS DONE. EVERYTIME NOTHING WAS DONE. OVER 2 YEARS OF NO PAYMENTS OF XXXX XXXX XXXX CARDS WERE POSTED WITH BIG PYMTS. THIS IS SO WRONG I HAD PROBLEMS BUT MY BILLS WERE PAID ON TIME, MY BANK STATEMENTS SHOWS THIS FOR EVER. I WOULD LIKE THEM TO GET A BLACK MARK ON THEM SINCE THEY DID THIS ON PURPOSE TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
Subject : Formal Complaint Against Equifax for Failing to Properly Investigate and Report Information, Violating Consumer Rights To Whom It May Concern, I am writing to formally file a complaint against Equifax regarding their improper handling of my credit report and the violation of my rights as a consumer. Specifically, Equifax continues to reflect a charge-off account from XXXX XXXX that should have been removed from my credit report after a thorough investigation by XXXX determined that the information was inaccurate. 

To begin, I would like to note that XXXX, after conducting a comprehensive investigation, found discrepancies with the XXXX account and concluded that it contained inaccurate information. Based on this determination, XXXX removed the account from my secondary credit report. However, Equifax did not follow suit and continued to report the account on my credit file despite the clear findings from XXXX that the account was problematic. 
Equifaxs failure to conduct a proper investigation is an outright violation of my rights as a consumer. The account in question was marked as " charge-off '', which in itself is a serious negative mark. Given that XXXX removed the account based on their findings, Equifax has no valid reason to continue reporting this account. This inaction is not only damaging to my credit score but also shows a blatant disregard for consumer protections under the Fair Credit Reporting Act ( FCRA ). 
Further, I would like to highlight that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Equifax for failing to conduct accurate investigations into credit report disputes. This reinforces my claim that Equifax is ignoring its legal obligation to properly investigate disputes and update credit reports accordingly. 

I demand that Equifax immediately removes the charge-off account from XXXX from my credit report, as it should have been removed once XXXX determined the information was inaccurate. I am requesting that the CFPB take immediate action to address this blatant violation of my rights and hold Equifax accountable for failing to correct the reporting of this erroneous information. 
I am seeking corrective action in the form of the immediate removal of the XXXX charge-off from my credit report, and I am requesting that Equifax be held accountable for their negligence in conducting the proper investigation. 
Thank you for your attention to this matter. I expect prompt action to resolve this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
On XX/XX/year> I received a call from what I thought was a Chase customer service rep asking if I was trying to transfer money. They proceeded to tell me that someone was trying to transfer money and they then guided me through the process of having me XXXX {$1000.00} to myself all the while telling me they were helping me. I then realized too late it was a scam and proceeded to file a claim with Chase bank. Chase since told me there is nothing they can do to reverse the transfer, because I authorized it. I DID NOT! They closed the claim through a letter I received from them through my banking app. 
I would have just withdrawn money from my bank if I needed it, not XXXX it to myself. Also the phone number associated with the XXXX transaction is not even my phone number. I can only assume it belongs to the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required topromptly DELETE all information which can not be verified.

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 2025-02-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a loyal customer with American Express Credit card for over 20 years with excellent credit reports. Also, a XXXX  citizen. On XX/XX/XXXX. I signed up onlineto XXXX XXXX XXXX XXXX for a free 1-week trial. On XX/XX/XXXX I sent an email to XXXX telling them to cancel my free trial. I have proof of correspondents. 
American Express would never let me show my proof yet I did speak with a representative of American Express telling them that I had proof. American Express only took XXXX 's letters that did not include my email correspondents from XXXX showing I cancelled on within the Free trial time. There have been numerous complaints about XXXX - '' Grossly deceptive advertising '' ; False advertising '' and for Buyers to beware of them ''. 
American Express has been complicit with the possible illegal activities of XXXX. 
I will need more time to upload the needed documents. Please respond in such a way that I can send documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602 A, states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
There are several names listed that are not correct. Also there are several addresses listed that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several names listed that are not correct. Also there are several addresses listed that does not belong 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 explanation