vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NJ

Complaint narrative:
The debt had more balance than I owed and I paid them with their agreement and the account is closed now. They promised that they are going to update my information to credit bureaus and they didnt. Since they already took the money they dont care if my credit is corrected or not. I ask them to call to the credit bureaus on a conference call because all the credit bureaus say that they didnt update my information. They denied my request. I think because they didnt send out the updated information and didnt want to get caught. 
I escalated my concern and wanted to speak with the manager who suppose to send out the updated info, but they forward my call to a voicemail box. I left a message to call me but I never received it. Even I paid lot of money, they just get upset at me. I dont know why they were keep yelling at me. All I want is I wanted to call XXXX and make sure that they send out my updated information. They wont do this part and now I am stuck in this I took care of my business and still not getting anything. 
And one of the agents was harassing me like If you wanted to be done earlier, I should've paid it earlier. But I did try for 1 and a half years trying to pay this but I couldn't because the organization sent the fund to the wrong address and that is what caused the delay. Also, this is none of his business. 
I didn't yell at them, I didn't took their money or I owe them any. I paid a lot of money instead so I don't know why I get treated like I owe them any. They are just avoiding their accountability and can't even prove that they finished their work and hung up on me and yelled at me. 
Without them stepping in, I will have my collection debt forever. 
I am not sure which side is lying. But all credit bureaus said if they have updated the XXXX of XX/XX/2024, they should be able to see it now and they can remove it. But they took the money though, they won't update it or help me correct my credit. I don't understand, why is me asking for a conference call to the credit bureau makes them crazy and angry. Do they want to hide that they didn't actually update my info? Is that why they get so angry when I ask for that? 
If I were in their shoes, I would be like Yeah, let 's have a conference call because we definitely sent your updated info and we want to let you know that we are not lying. They will have to investigate anyway, let 's make things get it done sooner.

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: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address andSSNCard.

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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX Texas Laws Dear SUN LOAN, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that SUN LOAN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for SUN LOAN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that SUN LOAN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SUN LOAN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate bankruptcy report on my credit file, which has been verified by the credit bureaus through XXXX XXXX. This misinformation has caused significant distress and financial hardship for me, as it has negatively impacted my credit score and ability to access credit. Upon discovering the bankruptcy report, I was told by the credit bureau company to immediately contacted XXXX XXXX to request clarification on how this information was verified. To my surprise, XXXX XXXX informed me that they had verified the information through PACER ( Public Access to Court Electronic Records ), an online service that provides access to federal court records. However, PACER explicitly stated that they are not affiliated with XXXX XXXX and do not contact consumer reporting and credit reporting agencies. PACER 's sole function is to provide access to federal court records. 

On XXXX XXXX I also received a letter from XXXX stating the bankruptcy information reported was unverifiable have been removed from their files.

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: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KICKOFF LENDING LLC # XXXX****. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
I have never lived in Texas nor have I been to Texas but this company Rentdebt automated collection reported to my credit score that I owe XXXX XXXX XXXX XXXX money. XXXX reported to me and XXXX XXXX company. XXXX and myself tried to call them and report the fraud and they hung up on us. They are using a name that was almost 8 years ago and a fake address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
XXXX XXXX, XXXX is a client of XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX made the following statement about me : "... This account is being serviced by XXXX XXXX XXXX XXXX XXXX An initial demand letter was sent [ to XXXX ] on XX/XX/XXXX, and suit was filed on XX/XX/XXXX. XXXX has actively been avoiding service of the summons and complaint.... Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. 'XXXX XXXXXXXX 's claim that I am actively avoiding service is false and utterly absurd, for XXXX reasons : XXXX. I told their attorney in XXXX that I would happily come to XXXX 's office to accept service of the summons/complaint in person. However, this never came to pass because of # XXXX below : XXXX. Since XX/XX/XXXX ( more than a month prior to the XX/XX/XXXX statement above ), XXXX have XXXX suspended their litigation against me, including all service attempts*. 

As the attached email succinctly notes : " We are not taking any legal action against you at this time. '' ( The litigation has been suspended pending XXXX 's review of the evidence I provided to them that irrefutably proves the futility of their case. ) Accordingly, I was utterly astonished by the brazenness of XXXX 's false claims against me on XX/XX/XXXX. Making their claims all the more absurd is the fact that I have been desperately trying to move this matter forward with XXXX and XXXX for months now, while Velocity has sat on the matter and has refused to engage ( there are literally dozens of emails that can be provided if need be to prove this ) with me in any way whatsoever. 

I have been contacting XXXX XXXX XXXX since XX/XX/XXXX, urging them to get their client to renounce these false statements, or at the very least for XXXX to renounce the false statements. After all, XXXX 's statement clearly indicates that the information XXXXXXXX relied upon in writing the false statement came from XXXX, the account holder/litigator in the matter. 

As of today, I have heard from XXXX twice since the XXXX but they have so far been unwilling to meet any of my very modest requests.

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: EQUIFAX, INC.
State: WA

Complaint narrative:
I was looking over my credit report and noticed a fraudulent inquiry and erroneous personal information that needs to be immediately deleted.

Pursuant to 15 USC 1681c-2, I DID NOT originate or authorize this inquiry. Pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ) please update my personal information. DELETE FORMER NAME : XXXX XXXX. DELETE CURRENT ADDRESS : XXXX XXXX XXXX XXXX ADD CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE FORMER ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DELETE EMPLOYER : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX MO. ADD EMPLOYER : XXXX XXXX XXXX XXXX XXXX 
PLEASE SEE ATTACHED IDENTITY THEFT REPORT.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank has began to charge {$190.00} to send a monthly paper statement. This was not communicated to me in any way and I certainly did not receive any type of change in terms notification. This is a junk fee and does not align to the spirit of regulation Z.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
Velocity Investments , LLC has engaged in deceptive and misleading collections practices by making false statements about me. Their law firm -- XXXX XXXX XXXX XXXX -- has engaged in the same by failing to renounce Velocity 's false statements. 

On XX/XX/XXXX, Velocity made the following statement about me : "... This account is being serviced by XXXX XXXX XXXX XXXX XXXX. An initial demand letter was sent [ to Consumer ] on XX/XX/XXXX, and suit was filed on XX/XX/XXXX. Consumer has actively been avoiding service of the summons and complaint.... Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. '' Velocity 's claim that I am actively avoiding service is false and utterly absurd, for two reasons : 1. I told their attorney in XXXX that I would happily come to XXXX 's office to accept service of the summons/complaint in person. However, this never came to pass because of # 2 below : 2. Since XX/XX/XXXX ( more than a month prior to the XX/XX/XXXX statement above ), XXXXVelocity have *completely suspended their litigation against me, including all service attempts*. As the attached email succinctly notes : " We are not taking any legal action against you at this time. '' ( The litigation has been suspended pending Velocity 's review of the evidence I provided to them that irrefutably proves the futility of their case. ) Accordingly, I was utterly astonished by the brazenness of Velocity 's false claims against me on XX/XX/XXXX. Making their claims all the more absurd is the fact that I have been desperately trying to move this matter forward with Velocity and XXXX for months now, while Velocity has sat on the matter and has refused to engage ( there are literally dozens of emails that can be provided if need be to prove this ) with me in any way whatsoever. 

In addition, I have been contacting XXXX XXXX XXXX since XX/XX/XXXX, urging them to get their client to renounce these false statements, or at the very least for XXXX to renounce the false statements ( after all, Velocity 's statement clearly indicates that the information Velocity relied upon in writing the statement came from XXXX, the account holder/litigator in the matter ). As of today, I have heard from XXXX twice since the XXXX ( acknowledging receipt of my messages ) but they have completely ignored my requests.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive pulled my credit report Both on your website as well as XXXX XXXX and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/year>, which is reported as 30 Days late on Transunion, XX/XX/year> on XXXX, and XX/XX/year> XXXX. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.

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 information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive pulled my credit report Both on your website as well as identity IQ and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/2023, which is reported as 30 Days late on XXXX, XX/XX/2023 on XXXX, and XX/XX/2023 Equifax. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive pulled my credit report Both on your website as well as XXXX XXXX and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/year>, which is reported as 30 Days late on XXXX, XX/XX/year> on Experian, and XX/XX/year> XXXX. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation