vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer - XXXX XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights. 
XXXX XXXX. XXXX Section XXXX A Section XXXX also stipulates that a consumer reporting agency can not provide an account without my explicit written consent. 
Furthermore, as per XXXX U.S.C. XXXX. ( a ) ( XXXX ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than XXXX years. 
Additionally, under XXXX XXXX. XXXX ( A ) ( XXXX ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synter Resource Group, LLC.
State: KY

Complaint narrative:
The letter is stating we owed {$290.00} + XXXX total {$330.00} We don't know anything about this bill. 
customer account XXXX our file number XXXX XXXX XXXX XXXX Synter Resource Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.

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 2024-04-09 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: FL

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently pulled my credit report and noticed that this company has reported inaccurate information on my credit profile. This company shows that as of XX/XX/2021 through XX/XX/2021 there was a consistent XXXX late payment. The payment history shows to be inaccurate. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. There's no way that each month there should still be a late " XXXX  day '' payment which I believe were reported in violation of federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies, I am formally demanding the immediate removal of these erroneous late payment records from my credit report. Upon reviewing my credit report, I noticed several late payment notations listed on my account that inaccurately portray my credit history. I maintain that these late payment entries are erroneous and in direct violation of 15 USC 1681s-2. According to the relevant federal law, furnishers of information, such as SYNCB/CARE CREDIT, have a duty to provide accurate and complete information to consumer reporting agencies, including the timely and proper updating of consumers ' account information. 
Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : 1. Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies.

2. Duty to Correct and Update Information : If the furnisher discovers that information, they previously provided was inaccurate, they must promptly correct and update that information.

3. Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information.

It is evident that SYNCB/CARE CREDIT has failed to
fulfill its obligations under 15 USC 1681s-2 , resulting in the inclusion of false late payment records on my credit report. These inaccuracies have profoundly impacted my creditworthiness, limiting my credit access and causing undue financial distress.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy / CIti is reporting late payments from 2018. I had originally became XXXX in 2018. When i call nest buy they say they have no record of me being late. Citi says otherwise from 2018. If you can see through my payment record history. i have never been late or have ever missed a payment. I need this to be removed immediately. It is heavily affecting my score that i have month after month keep in great standing.

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 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
A company was hired to do a survey of some land I was purchasing. It did not appear as though a deal was going to be met and I advised the company to hold off on the survey for the land. I did not purchase the land and the company did the survey anyway. I also have an email saying they would not do the work until the entire amount was paid in full. I do not think I should be liable to pay this debt and it to appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  has filed bankruptcy. I was in the middle of treatment with my aligners. I am unable to complete my treatment due to issues with my aligners. Health Finance Direct is taking payments from my account still and threatening to send my account to collections if I don't continue to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: OR

Complaint narrative:
I am writing to express my dissatisfaction with a consumer credit transaction I pursued with Carvana for a XXXX  XXXX XXXX. After careful review, I have identified several discrepancies in the consumer credit transaction for the automobile I was wanting to acquire that contravene the provisions outlined in the Truth In Lending, and Equal Credit Opportunity Act. I am formally notifying your company of these issues and seeking resolution.

Upon applying for the consumer credit transaction, which involved credit being offered or extended, I encountered what I believe to be misrepresentation on
Carvana 's part. The transaction was portrayed as either a loan, necessitating a substantial down payment. However, this contradicts my initial pre-approval process, during which Carvana accessed my credit card information in accordance with 15 USC 1602 ( i ). Despite being approved, the demand for a large down payment to secure the vehicle raises concerns which is in violation of 15 US Code 1662.

As per 15 USC 1602 ( J ), this transaction qualifies as an open-ended consumer credit transaction since Carvana accessed my credit card. Consequently, the imposition of a down payment violates the Truth in Lending Act, specifically 15 US Code 1662 ( Advertising of down payments and installments ), 15 USC 1605 ( Determination of finance charge ) and which stipulate that all charges must be included in the finance charge. Carvana 's requirement of a down payment, particularly of the magnitude requested, appears discriminatory and runs afoul of the Equal Credit Opportunity Act. This discriminatory practice is evident given the disparity in down payment demands among consumers with similar terms, and the requirement of a downpayment of such magnitude is not advertised and the same across the board for everyone utilizing Carvana 's lending services to obtain a vehicle. When I contacted Carvana through the website chat, I tried to ask the representative if they participated in Truth in Lending, and to inquire about the downpayment. The woman stated that she did not know what Truth in Lending was and would not discuss the down payment, and terminated the chat. I intend on remitting payment to Carvana utilizing US Funds in conjunction with the Consumer Credit Transaction.

Furthermore, Carvana 's actions infringe upon my federally protected rights, rendering them liable under 15 U.S. Code 1611 and subject to civil liability as outlined in 15 U.S. Code 1640. I urge Carvana to rectify these issues promptly to avoid further legal repercussions.

In conclusion, I demand that Carvana address the aforementioned violations and take appropriate corrective measures. I expect a prompt response outlining your proposed course of action to resolve this matter satisfactorily. Failure to do so may result in further escalation of this complaint through appropriate channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: MI

Complaint narrative:
XXXX Opened : XXXX, XXXX 2022 Amount : {$1500.00} I reached out to the company and no action was taken. I filed identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NC

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 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 2024-04-09 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: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I have two inquiries on my XXXX credit report that I DID NOT authorize. 

They are : XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 I have disputed this with the original creditors and wish for these to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
FCRA 605B, in my understanding, necessitates the elimination of any incorrect accounts from my credit report. Would you mind verifying the documents? Certain listed accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
In XXXX of XXXX  I started a payment plan for XXXX  of my accounts with Midland Credit Management. Shortly after making a few payments, I reach out Via online chat to find out if I can have a signed deletion letter sent to me to have these accounts removed off of my credit report once they are paid. They said they can not send that to me until my very last payment is made but they will in fact send the XXXX  deletion letters for the XXXX  accounts once all accounts are completely paid. I asked if that was correct because I thought it would have to be done before the payments were completed, they assured they COULD not send them to me until all accounts were paid up. To my surprise after all payments were made, I never received the deletion letters. I did receive a letter stating the accounts were paid but never received the deletion letters. Recently, I was trying to purchase a home and notice on my credit report it is reported as " charged off as bad debt '' for both accounts which is noted as a derogatory mark and affecting my credit severely. I then reached back out to Midland Credit Management via online chat and asked for a copy of the previous chat log and they refused saying they do not record those messages. I then asked if I could get the copy of deletion letters for both accounts that was promised and they said they did in fact send letters and that they are not currently reporting this debt to the bureau. I did take a screen shot of this chat due to not being able to receive the copy of the first chat. I told them I did receive the letters stating my accounts were paid, however I did not receive my deletion letters. They just continue to say they are not reporting to the bureau which is not the issue at hand. I then took the next step to have a Verification of Debt Request letter made and sent for both accounts. I have received letters back basically stating the same thing, that I paid my accounts and they are not reporting to the bureau. I either need these accounts deleted off of my account or I need all of the information requested in the verification of debt request letters under the Fair Debt Collection Practices Act provided to me. Neither have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a dispute on a transaction for XXXX $ On XX/XX/XXXX with my credit card issuer. I started this dispute because I never received what I paid for. This card was issued by comentity bank. They have since closed my dispute saying that I received a delivery on XX/XX/XXXX but I never received anything from the company. The company is XXXX XXXX and they have 100 's of complaints from consumers never receiving what they paid for. I can't believe that I am being looked at as a liar. I NEVER RECEIVED WHAT I PAID FOR, POINT BLANK. What do I need to do to take this to the next level? Do I need to get a lawyer or something of that nature?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: MD

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief