vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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:
UPON CHECKING MY REPORT THERE'S A LOT OF FRAUDULENT HARD INQUIRIES THAT ARE STILL REPORTING FROM MY REPORT AND THESE ARE ALL FRAUD AND UNAUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I received the following text from an impersonator : XXXX! This is Sentry Credit , IncXXXX We would like to contact you via Text. Please call XXXX. This message is from a debt collector. Msg & dataratesmayapply. # of msgs vary. To opt-out reply STOP XXXX I have not clicked anything. I also did not call them. I looked at the sentrycredit website, and the number provided does not match the one on the site. Plus, the word " Text '' was capitalized. Also, the use of a # to represent the word number was utilized. These are not professional forms of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX XXXXXXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



XXXX Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX  XXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location. 





1. Unverified Account Information : XXXX XXXX XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL

Complaint narrative:
This is the body of the letter I sent to Synchrony on XXXX, XXXX : I am disputing the transactions that were charged fraudulently to my account without my authorization or knowledge. My account was charged in XX/XX/XXXX with multiple transactions amounting to {$3400.00}. 
I did not make or authorize these transactions on my account and I am the victim of identity theft. I reported the identity theft to your company on at least XXXX occasions beginning in XX/XX/XXXX. I reported that I did not make or authorize any of the transactions that amounted to the {$3400.00} balance on my statement. Each time, your agents said it would be resolved. Most of the charges were removed and for some strange reason my account was left with a balance of {$290.00}. I have called you multiple times to try and resolve it. I did not make or authorize any transactions for {$290.00} and this amount should be part of the original fraudulent charges made in XX/XX/XXXX. 
The latest balance was {$510.00} due to added late fees. Despite the many times I have called you to tell you I do not owe this balance because and I am a victim of identity theft you continue to add fees and report late payments to the credit bureaus. Your actions have severely affected my credit due to the XXXX delinquency you reported. This situation is wrong and your company has made it worse. 
I am now asking you to provide proof that I made those charges. Please provide all the receipts, locations, and timestamps of when each of those transactions were made. I will continue to dispute any and all balances on my account since XX/XX/XXXX and will take this matter to the highest extent possible to make it right. 
The other and only fair option is for Synchrony bank to clear all balances from my account and to remove the derogatory late payments reported to the credit bureaus and to restore my great credit standing. Please contact me soon.

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 2024-07-12 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: GA

Complaint narrative:
XXXX  XXXX late payments marked in my credit report. I WAS NEVER LATE ON THIS ACCOUNT Marked for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> 2023

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 2024-07-12 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: GA

Complaint narrative:
XXXX  XXXX late payments marked in my credit report. I WAS NEVER LATE ON THIS ACCOUNT Marked for XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in 60 days to be removed.

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 XXXX XXXX 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! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
I discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : XXXX, Experian, XXXX ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX  and XXXX XXXX XXXX. I keep getting automated responses - filing complaint for

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 2024-07-12 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: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-12 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2024-07-12 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: IN

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2024-07-12 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
XXXX XXXX was never the initial debt XXXX for the debt that was owed. I was sent a letter by XXXX XXXX XXXX back in XX/XX/XXXX that I owed XXXX. I was never notified by XXXX XXXX by mail or phone about them taking over this collection, even then, I tried to dispute XXXX XXXX XXXX in XX/XX/XXXX because the insurance company already paid the original creditor the " debt '' that was owed with a check on XX/XX/XXXX which the original creditor claimed they spoke with the company and told them that the account is closed. In disputing this debt again, they reported to the disputing company that the amount was verified prior to actually verifying with the original creditor. I was told instead that they placed my account on hold after the fact ( of the dispute ) and are waiting for the original creditor to respond to them about verifying the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I consumer XXXX XXXX currently submitting a complaint against XXXX XXXX XXXX a debt collection company as i received an update of my consumer report of XXXX XXXX XXXX reporting a collection account on my consumer credit report ( XXXX XXXX XXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given XXXX XXXX XXXX consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that XXXX XXXX XXXX remove this alleged debt immediately from my consumer report. In this complaint i am notifying XXXX XXXX XXXX pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to XXXX collection company XXXX XXXX XXXX through the CFPB with this complaint. Do to XXXX XXXX XXXX being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding XXXX  ;.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: MS

Complaint narrative:
I called to GLobal Lending Services in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.

Company response to consumer: Closed with explanation