vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: VA

Complaint narrative:
I am writing to file a formal complaint against Experian and XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ).

The following accounts show inaccuries Account Name : XXXX XXXX  ( Account Number : XXXX ) Account Name : Sunrise Banks ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i.

Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. 
Thank you for your attention to this issue. 
Sincerely, XXXX XXXX XX/XX/year>

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 2024-11-26 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: NJ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Shoes delinquent in payment is incorrect XX/XX/year> and XX/XX/scrub>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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Shoes delinquent in payment is incorrect XX/XX/year> and XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Shoes delinquent in payment is incorrect XX/XX/year> and XX/XX/year>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 2024-11-26 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: SLM CORPORATION
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TN

Complaint narrative:
There is an account under my name that says XXXX that says something about a car loan. Its so confusing because it also say a student loans. I dont understand, but I dont have no XXXX XXXX XXXX XXXX I only have a XXXX XXXX. I received something from XXXX and I replied and told them its not mine. I only buy one car at a time. Im barely paying off my XXXX. Why would I jump from a XXXX to a XXXX while still having a note. Can you please see who purchased this car in my name or clear this error. I am working on it as well so I can file a police report. Thanks

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 2024-11-26 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: TN

Complaint narrative:
There is an account under my name that says XXXX that says something about a car loan. Its so confusing because it also say a student loans. I dont understand, but I dont have no XXXX XXXX XXXX XXXX I only have a XXXX XXXX. I received something from XXXX and I replied and told them its not mine. I only buy one car at a time. Im barely paying off my XXXX. Why would I jump from a XXXX to a XXXX while still having a note. Can you please see who purchased this car in my name or clear this error. I am working on it as well so I can file a police report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TN

Complaint narrative:
There is an account under my name that says XXXX that says something about a car loan. Its so confusing because it also say a student loans. I dont understand, but I dont have no XXXX XXXX XXXX XXXX I only have a XXXX XXXX. I received something from XXXX and I replied and told them its not mine. I only buy XXXX car at a time. Im barely paying off my XXXX. Why would I jump from a XXXX to a XXXX while still having a note. Can you please see who purchased this car in my name or clear this error. I am working on it as well so I can file a police report. Thanks

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : 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 XXXXXX/XX/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 2024-11-26 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: WI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: GA

Complaint narrative:
Subject : Notice of Intent to Sue Dear Credit Control , LLC, This letter serves as a formal notice of my intent to file a lawsuit against your company for violations of federal consumer protection laws. Specifically, Credit Control , LLC has violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Uniform Commercial Code ( UCC ) 9-208, by failing to validate the alleged debt after two written requests within the timeframe mandated by law.

Violations Cited 1. Failure to Validate Debt ( 15 U.S.C. 1692g ) : Your company failed to provide the required validation of the alleged debt after I submitted two timely requests and issued a cease and desist order to your company. Instead, you demanded additional personal information to verify my identity, despite having already addressed your correspondence to me. This places the burden of proof improperly on me, contrary to the FDCPAs requirements.

2. Improper Collection Practices ( UCC 9-208 ) : There exists no privity of contract between me and Credit Control , LLC . By attempting to collect without validation or lawful contractual grounds, your actions are non-compliant with the governing laws. In addition, this is a stall tactic for Credit Control , LLC to continue deceptive business practices and collusion to commit tax fraud with the original creditor. Charge off accounts over {$600.00} are considered income according to the IRS.
The original creditor has not issued a 1099C to me.

Damages Pursued Under 15 U.S.C. XXXX, I will pursue the following damages : Statutory damages, as provided under the FDCPA. 
Actual damages, for the stress, emotional distress, and time incurred due to your unlawful actions. 
Additional damages in the amount of {$50000.00} to compensate for the harm caused by your ongoing noncompliance and disregard of consumer protection laws.

Resolution Sought To avoid litigation, I demand the following within 14 days of receipt of this letter : 1. Immediate cessation of all collection activities concerning this alleged debt.

2. Proper validation of the alleged debt, as mandated by 15 U.S.C. 1692g.

3. A written acknowledgment that no further action will be taken if the alleged debt can not be validated.

Nothing stated in Credit Control, LLCs responses to my CFPB complaints is accurate or valid. If I do not receive a satisfactory response within 14 days, I will proceed with filing a lawsuit against Credit Control , LLC in a court of competent jurisdiction, seeking the full {$50000.00} in damages, in addition to court costs and attorneys fees.

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 2024-11-26 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: DE

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-11-26 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:
I am writing to request the blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items have been fraudulently added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$470.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2100.00} Inquiries to Be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
I am writing to request the blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items have been fraudulently added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$470.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2100.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/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 2024-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year> I requested navy federal credit union to stop contacting me, through the NC doj state attorney general 's office. But they sent me a letter dated XXXX, XX/XX/year> about the debt in question, informing me about it, after I told them never to contact me again. They have violated the cease and desist order from the NC doj state attorney general 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for Sams business credit card with my EiN number in my business name XXXX XXXX XXXX XXXX i was approved with a XXXX credit limit. I recieved the credit card with my name twice on the card not my busin SS name and not link to my Sams plus membership I had since XXXX I have tried to fix this several times to no avail. I received a letter reducing my credit limit to XXXX and the customer service said due to adverse reasons. This is a business credit card I got XX/XX/XXXX I only used the card twice and the card was paid each month.Sams can not locate my account it gives them an error message when I swipe my card it says welcome XXXX? I can not access the account in portal it states it can not locate my credit card number. Synchrony bank is the issuer and have mess this account up big time. I number used my social security number I only used my ein number what adverse information on my business account? none. I can not access anything and the issuer of the card has not fixed this mistake I was told to fax a letter stating my business name and ein number to correct the information In there system I got no response until I called and no one has fixed my card name or credit limit to date. This is unethical business practices and I want it fixed Like I applied with my business name and XXXX credit limit.

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 2024-11-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX XXXXXXXX - {$0.00} ( XXXX & XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX - {$0.00} ( XXXX & XXXX ) XXXX  XXXX - XXXX - {$0.00} ( XXXX  ) XXXX  XXXX - XXXX - {$0.00} ( XXXX ) XXXX - XXXX - {$0.00} XXXX XXXX  ) Personal Information Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX Employers XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX  Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
my CD purchased through the XXXX XXXX matured on or about XX/XX/year> for $ XXXX and the funds were credited to my checking account on XX/XX/year>. 
I requested a copy of the Original CD ( XXXX ) from both the local branch as well as Customer Service XXXX XXXX XXXX. I called Customer Service on 3 different times as well as physically going to the branch for assistance. 

In none of the 4 attempts was Harris will to provide Records of this CD and any record of the maturing of the CD. Another lender was asking me for documentation of the CD in relation to a mortgage application. This is clearly a Records Rentention violation. No one in BMO Harris was willing to assist me. 

I demand documentation of the original CD as well as documentation of th

e CD maturity. I am also demanding financial compensation for the more the 4 hours was
ted dealing with BMO Harris.

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