vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
For the months of XXXX, XXXX, XXXX, XXXX and XXXX there is a charge/an unauthorized charge of {$14.00} for the XXXX website, which should not have been charged to my credit card account. Totalling approximately {$75.00} dollars for these months. I never authorized the XXXX  to charge my citi card, as such there never should have been any charge to my account, because the XXXX XXXX only charges {$1.00} for a subscription moreover, any subscription was cancelled the same day activated. Therefore I do not want to replace my Citi Card, I am requesting the reversal of those charges of {$14.00} plus interest to be credited/refunded back to my Citi credit card totaling over {$75.00}.

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 monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been having stuff on my credit report that I keep on reporting and according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, you have violated my rights by in lawful communications please remove all collection off of my credit report thank You I will keep reporting all this and repost this to the highest level if this isnt resolved

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 2024-09-22 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: TX

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 XXXX 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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
Equifax has a collection on my credit report that is not owed or ever was by XXXX XXXX XXXX. 

Attached is a copy that shows a {$0.00} Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I am disputing a late payment entry that has been reported by XXXX on my credit report. This late payment was reported by Apple Card/GS Bank USA XXXX I pulled my credit reports and noticed a late payment flag. 

I have not been late on my payments for this account for XX/XX/2023. The reported late payment is inaccurate and is negatively affecting my creditworthiness! 

I have already sent a dispute letter to XXXX and Apple Card, but I have not received a satisfactory resolution. I believe that the credit reporting agencies and Apple Card are violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and take appropriate action to correct the inaccurate information on my credit report. 

Please find attached copies of my dispute letters to XXXX and Apple Card, as well as any relevant documentation supporting my claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unlawful actions taken by XXXX XXXX XXXX, XXXX XXXX a creditor reporting erroneous information on my credit report. Specifically, I believe XXXX XXXX XXXX, XXXX XXXX has violated provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by re-aging debt and continuing to report collections month after month in an attempt to extend the statute of limitations for this debt. 

Background I have been closely monitoring my credit report, and I noticed that XXXX XXXX XXXX, XXXX XXXX has been reporting the same debt account every month as new, even though the account is significantly older and should have been reported as a closed or static debt. This ongoing re-reporting seems to be a clear attempt to extend the statute of limitations illegally, as the debt in question is beyond the legal timeframe for collection or enforcement under my state 's statute of limitations laws. 
Violation of Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, creditors are required to accurately report the date of first delinquency and refrain from continuing to update the date in order to manipulate the reporting period. In this case, [ XXXX XXXX XXXX XXXX has been inaccurately updating the delinquency information, which has resulted in misleading information on my credit report. Section 1681s-2 ( a ) explicitly prohibits the furnishing of inaccurate information to credit reporting agencies. 

Additionally, the practice of continuously updating delinquent accounts to manipulate the age of the debt violates both the FCRA and the Unfair and Deceptive Acts and Practices ( UDAP ) under 15 U.S.C. 45 ( a ). Such deceptive tactics create an unfair burden on consumers by negatively impacting credit scores and extending the threat of collection indefinitely. 

Requested Action In light of these violations, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX, XXXX XXXX for improper re-reporting of collection activity to credit bureaus. 
Require XXXX XXXX XXXX, XXXX XXXX to immediately cease the unlawful practice of re-aging this debt. 
Enforce penalties against XXXX XXXX XXXX, XXXX XXXX for their violation of federal laws, including the FCRA and XXXX provisions. 
Ensure that the negative account reporting is removed from my credit report. 
I have enclosed copies of relevant portions of my credit report as evidence of the improper reporting. Please feel free to contact me if any further information is required to investigate this matter. 

Thank you for your time and attention to this serious issue. I trust that the CFPB will take appropriate action to protect consumers from unlawful and unfair reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: AZ

Complaint narrative:
I try remove the following address from my credit report, and have requested to have them removed, updated my address immediately and remove them. I have never lived at these addresses and should not be on my credit report. 

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 explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
Subject : Complaint Against Credit Reporting Agencies for Inaccurate Reporting Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies for allowing XXXX XXXX XXXX XXXX  to report an overdue balance on my credit report after the account was charged off. This inaccurate reporting has persisted for XXXX years and has significantly damaged my credit score, negatively affecting my ability to secure loans and resulting in higher interest rates. 

Despite the account being charged off, XXXX XXXX XXXX XXXX  continues to report this information as a fresh charge-off, which is misleading and inaccurate. This has not only harmed my creditworthiness but has also caused me emotional distress and financial hardship. 

I believe that the credit reporting agencies should be held accountable for permitting this incorrect information to remain on my report. It is crucial that they ensure the accuracy of the information they disseminate, as it directly impacts consumers financial opportunities. 

I request that the CFPB investigate this matter and take appropriate action against the credit reporting agencies to rectify this situation and prevent further harm to my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The creditor XXXX failed to send a printed, electronic statement and failed to collect a payment by phone. I had an account that I had not used for a year and made XXXX charge in XXXX  2024 an completely forgot about it since I typically do not use credit cards and pay my balances in full every month if I do. However, I had so much difficulty with this XXXX account. I tried entering the account via website but I was unable to get any account information and every time the account was reset a password reset was never sent to my email or phone as it should have. I tried calling the customer service number but with the unbelievable long waits it was impossible to get to someone. Finally I was able to contact the creditor in XXXX over a weekend. I let them know I have never received a statement or account information and I was wondering about any payments due. They informed me they had the worn account email and information, I am not sure how. I paid the account in full and requested to close the account. The amount I owed at the time was no more than {$130.00}. I let them know that I was worried this might impact my impeccable credit and had no late payment. They reassured me this would not be reported to the credit bureaus since I called and explained they did not served me with any statements and it was only XXXX  days past due. In XXXX I tried to apply for a mortgage loan my credit scored had been up to XXXX, I realized my scored dropped to XXXX and I had negative history form XXXX. They violated federal law, according to 12 CFR Part 1026.5 of the Code of Federal Regulations covers general disclosure requirements for creditors. These requirements include : written or electronic statement disclosures to collect a debt. XXXX violated Federal consumer laws. After I submitted my dispute in writing, they failed to make the error issues. They refuse to delete my " late payment '' information and ignored the facts that it was their error for not disclosing any account information to me. I a requesting for them to be penalized and to correct my record. They can not report late payment if they failed to properly collect money under the laws. This is impacting my credit and I am unable to get a mortgage loan until this is corrected. I am an excellent A+ consumer, they are being careless and not taking responsibility for their billing errors. I will secure a lawyer to take legal action against them at this point since they failed to resolve the dispute. Please assist me with this and assuring they understand consumer law requirements.

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 2024-09-22 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first XXXX  that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections

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 2024-09-22 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first XXXX  that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX LVNV Funding XXXX XXXX, XXXX XXXX, SC XXXX XX/XX/year>2024 RE : No Account number listed on credit report My credit report shows a charge off or collection from your agency, I was never notified of this collection. I do believe that this debt is not accurate and under the fair debt collection protection act, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of the following. 


XXXX. An Explanation of the alleged account balance is XXXX. A calculation of this balance including the complete payment history on this account, so I have proof the debt amount is correct XXXX. Documentation that shows I agreed to pay this debt XXXX. A copy of your state license including license number. 

Stop contacting me regarding any other matter until you can provide an accurate verification of this debt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: 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 168b permissible purposes of consumer reports. 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.

Inquiry was not authorized 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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