vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my consumer report. The account in question is being reported with the following details : Creditor Name : SYNCB/ASHLEY HOMESTORES Account Number : Account ending in XXXX Reason for Dispute : Account balance or payment history is inaccurate, Account is closed but reported incorrectly, and The XXXX late payment is reported inaccurately. 
Upon reviewing my report, I noticed discrepancies in how this account is being reported, which I believe to be incorrect. Specifically : 1. The payment history indicates XXXX late payment status for XX/XX/2023, which I contest as inaccurate. 
2. The account status reflects " Canceled by XXXX XXXX, '' but I need verification of this status and clarification if this was reported correctly. 
I request that you investigate this matter under the Fair Credit Reporting Act ( FCRA ). If you can not verify the accuracy of the information or if it is found to be inaccurate, I request its removal or correction from my report. 
I have enclosed copies of the following for your review : A copy of my credit report highlighting the account in question. 
Please complete your investigation within 30 days of receiving this letter and provide me with written confirmation of your findings. I also request an updated copy of my credit report upon the 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 explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I am filing this complaint to request the removal of inaccurate late payments and correction of non-reporting issues on my credit account ( # XXXX ) with XXXX, as reflected on my credit reports from TransUnion, XXXX, and XXXX. Late payments are inaccurately reported for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite these payments being made on time, as evidenced by my attached payment records. Additionally, several months of payment history are missing across all three bureaus ( e.g., XXXX and XX/XX/XXXX, among others ), which violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 605 ( a ), as it results in incomplete and misleading information. There are also inconsistencies in the reported " Date Last Active '' and account classifications between bureaus, raising concerns of potential re-aging ( 623 ( a ) ( 5 ) ) and overall inaccuracy ( 611 ( a ) ). These inaccuracies and omissions have harmed my creditworthiness and caused undue stress. I request the removal of all late payment entries, correction of non-reported months, and an investigation into these discrepancies to ensure compliance with FCRA standards. Attached are supporting documents, including bank statements and screenshots of the inconsistencies. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I am filing this complaint to request the removal of inaccurate late payments and correction of non-reporting issues on my credit account ( # XXXX ) with XXXX, as reflected on my credit reports from XXXX, XXXX, and Equifax. Late payments are inaccurately reported for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite these payments being made on time, as evidenced by my attached payment records. Additionally, several months of payment history are missing across all three bureaus ( e.g., XXXX and XX/XX/XXXX, among others ), which violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 605 ( a ), as it results in incomplete and misleading information. There are also inconsistencies in the reported " Date Last Active '' and account classifications between bureaus, raising concerns of potential re-aging ( 623 ( a ) ( 5 ) ) and overall inaccuracy ( 611 ( a ) ). These inaccuracies and omissions have harmed my creditworthiness and caused undue stress. I request the removal of all late payment entries, correction of non-reported months, and an investigation into these discrepancies to ensure compliance with FCRA standards. Attached are supporting documents, including bank statements and screenshots of the inconsistencies. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : _ - Company Name : XXXXXXXX XXXX  XXXX ( XXXXXXXX XXXX ) - Address : _Complaint : _ I am submitting this complaint to request the removal of XXXX late payments reported on my credit report for the XXXXXXXX XXXX XXXX XXXXXXXX account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I have previously disputed these late payments with the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and provided documentation to support my claim. However, the late payments remain on my credit report. 

I request that the CFPB take immediate action to mandate the removal of these late payments from my credit report. I also request that the credit reporting agencies update my credit report to reflect the accurate payment history. 

_Relevant Laws : _ - Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

- Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-03 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: PA

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-12-03 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-03 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened : XXXX XXXX XXXX XXXX These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection reported. The aforementioned account, collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account collection is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account collection is the result of identity theft and fraud.

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 2024-12-03 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: TN

Complaint narrative:
Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX Account Name/Number : XXXX XXXX XXXX  Account # XXXX has been on my report for 7 years as closed and paid by garnishment which has been proven to be not account. was deleted from XXXX but still showing on Transunion and should be deleted. 
Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX was on my Transunion report as closed and now listed as derogatory and is not my account. 

XXXX XXXX XXXX Account XXXX : # XXXX ********* advised me that they do not have this account, and it is not mine but is showing as a collection on my 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 2024-12-03 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: NY

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and deletion of several accounts on my credit report that were opened fraudulently as a result of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I assert my rights as a victim of identity theft and request that the following accounts be permanently removed from my credit file : XXXX. XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am writing to formally file a complaint against LVNV Funding LLC. This company is trying to collect a debt on an old credit card for {$2300.00} the original creditor is XXXX XXXX XXXX. XXXX XXXX XXXX  charged off the account. 

Background The creditor charged off the account legally classifies the balance as canceled debt and, therefore, taxable income in question, which is under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report the income to the IRS. However, I have not received a 1099-C for this account, which I have requested. I am still waiting to receive a 1099-C from the original creditor.

I have verbally and written the consumer LVNV Funding LLC that I refuse to pay the debt as well as to stop all communication through phone, mail, text, and email. The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. LVNV Funding LLC inquired debt and is now reporting it on my credit report, which is causing a negative impact.

Ceasing communication Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692c ( c ).

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except.to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased airline tickets for a XXXX flight after agreeing on the price. After I paid XXXX XXXX  I never received my tickets. I was told numerous times that I would have my tickets then a month before my flight they told my they could not honor the price they charged and wanted more money. I filed a dispute with my Truist credit card company and was told because of there refund policy I could not get my money back I explained that I never recieved the tickets and escalated the complaint to no avail.

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 2024-12-03 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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  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 non-monetary relief
Consumer complaint received 2024-12-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
Coinbase.com XXXX XXXX Sent - {$1300.00} TO : XXXX Price {$3900.00} XXXX XXXX XXXX fee ~ {$2.00} Transaction XXXX  XXXX ... XXXX Date XXXX XXXX  XX/XX/year> XXXX  : XXXX I sent XXXX XXXX a XXXX to address XXXX it was never received. So i contacted Coinbase and found they used deceptive misleading transfer practices. The token was cbeth and was supposed to be XXXX. Those two letters added caused the funds to go to a wallet still tied to Coinbase called Coinbase XXXX. They refused to be transparent of who the owner of the wallet is. They have to know where it went because i only gave them a address i have full control over. Wherever they sent it to i have no information on it other then whats listed on XXXX  and it clearly says coinbase10.After further research that means coinbase still has the funds and lying about it. I tried to contact XXXX.io also and they also refused to help me get the funds back. One of these company 's just stole that money using very confusing banking methods. The funds came from me as a trucker and sales job. If i need to take this to small claims court i will. I'm hoping cfpb can save me the trouble of going to court. Although if i make a claim for damages i would think i would be awarded more than i lost for time a trouble this has put me through.

Company response to consumer: Closed with explanation