vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a complaint with XXXX XXXX and called the XXXX XXXX. They verified that the account was paid on time for the months in question but claimed that XXXX XXXX has inaccurate information. This is not true because I had a hard inquiry on my report which indicated that the false late payments were indeed stated on my credit report. This letter has been sent, along with my full name and address to TransUnion and XXXX. 

Amount of Debt : {$26000.00} Provider of Service : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be completely DELETED. 

The following derogatory accounts allegations are either, untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : Alleging Creditor and Accounts as is reported as having a late payment my credit report : XXXX XXXX XXXX XXXX Payment History XX/XX/2023 XXXX XXXX XXXX XXXX Payment History XX/XX/2023 I am demanding that this account be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely,

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a complaint with XXXX XXXX and called the XXXX XXXX. They verified that the account was paid on time for the months in question but claimed that XXXX XXXX has inaccurate information. This is not true because I had a hard inquiry on my report which indicated that the false late payments were indeed stated on my credit report. This letter has been sent, along with my full name and address to XXXX and Equifax. 

Amount of Debt : {$26000.00} Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be completely DELETED. 

The following derogatory accounts allegations are either, untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : Alleging Creditor and Accounts as is reported as having a late payment my credit report : XXXX XXXX XXXX XXXX Payment History XX/XX/2023 XXXX XXXX XXXX XXXX Payment History XX/XX/2023 I am demanding that this account be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX has placed a derogatory account on my credit report in the amount of {$830.00}. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate repossession on my credit reports. 

I have been disputing this account with each credit for some time, they are reporting inaccurate and inconsistent information on my reports. Each bureau is reporting this account as closed and derogatory but are reporting a monthly payment of {$940.00}. 

If this account was closed due to being repossessed, how is it that they are able to report a monthly payment? Per the FCRA, it is illegal to report inaccurate information on a consumers reports. I am demanding that this account is deleted as my rights have been violated as a consumer to have the right of accurate accounts on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: CO

Complaint narrative:
I originally had a loan with XXXX which was sold to SST. Part of that loan was a savings account that shouldve been returned to me when the loan was paid off. The loan was paid off XX/XX/2023 in the amount of {$1400.00}. The payment cleared my checking account the next day on XX/XX/XXXX. Ive been unable to get a specific date that my {$2500.00} savings account will be returned to my checking account. I have sent several messages and called both SST and XXXX with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been trying several ways to reach this creditor claiming I owe a debt to a card opened with a XXXX. The account reads as follows on my consumer report ... COMENITYCB/XXXX This is a fraudulent account and I have never had any dealings with this creditor. 
By reporting this inaccurate fraudulent information on my consumer report to the credit bureaus this is not only unvalidated, unverified a d fraud bit I my consumer rights have been violation in many ways and litigation will be pursued concerning this matter if it persists and remains reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ( Original Creditor : 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, DEPT OF XXXX / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DPT EDXXXX XXXX XXXX, DPT EDXXXX # XXXX XXXX DPT EDXXXX # XXXX has violated my rights.

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 an 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 seven 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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
My debit was use in unauthorized charges total in XXXX from XXXX chime is who I bank with take really don't dispute anything my card was stolen was awere I sent emails to the merchant for request a charge back I file the same day I noticed unauthorized transaction with was 2 days better yet XXXX  is not legally authorized to take tranzsation from chime they don't do bizzsiness with XXXX make it and illegal transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2023 I had received a check of {$16000.00} from XXXX XXXX  and deposited to key bank account and they said that check was returned and they were a fraud. I contacted by email the person who sent me a check but no more response, until now. 
I had been calling the fraud department and still investigating and my bank is now on restriction, blocked, I dont have access online bill payments, Its the only bank Im having and Im suffering now going out paying bills. 
Please help me to resolve this matter for myself and waiting for your support team to contact me via direct message to my mobile phone number Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I requested a cash back withdraw of XXXX on XX/XX/XXXX. I was only given an amount of XXXX in my checking account on XXXX. Working in development I figured that there was a rounding or input error and was trying to get someone to look into the event. The first call I made on XXXX was unsuccessful because of the lack of business days passing between the request and their guaranteed date.When I called today I was left on hold for 25 minutes with no response and when trying to contact through messaging I was told to call the number that was not helping earlier. I don't think the bank Comentity is a legitimate banking practice if they are making errors like this when money is involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc.
State: VA

Complaint narrative:
I am writing to dispute inaccurate information that your company, LCI, has reported to consumer reporting agencies. As a furnisher under the Fair Credit Reporting Act ( FCRA ), LCI is required to provide accurate and complete information to the credit reporting agencies. However, I believe that the bankruptcy information that LCI has reported regarding my account does not comply with the FCRA due to an inaccurate address. The information that has been reported shows an address that is not associated with me, which may have caused confusion and errors in the reporting of the bankruptcy. 

Under Section 1681e ( b ) of the FCRA, furnishers of information must take reasonable steps to ensure the accuracy of the information they provide to consumer reporting agencies. This includes providing complete and accurate information, investigating disputes, correcting errors, and providing notice of dispute. I request that LCI investigate and correct the inaccurate and incomplete information on my credit report as required by this section of the FCRA. 

I also want to bring to your attention that a recent report by your company failed to comply with the FCRAs maximum possible accuracy standard. According to this standard, a report must be both factually correct and free from potential for misunderstanding. It is important for LCI to meet this standard to avoid causing confusion and errors in the reporting of information. 

Therefore, I request that LCI not only correct the inaccurate information on my credit report but also take steps to ensure that all future reports comply with the FCRAs maximum possible accuracy standard. Additionally, I request that you provide me with a written notification of any corrections that are made to my credit report, as well as an updated copy of my credit report. 

As a consumer, I have the right to dispute inaccurate information that has been reported to the credit reporting agencies. I appreciate your prompt attention to this matter and look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
After saving and planning, I contacted this company to settle my debt but instead the egregious employee condemned me and basically said I don't deserve to settle because I spent the money I owed. When I explained to him that I was young and not knowledgeable when I signed up for the XXXX credit card and that I actually only spent 25 % of what I owed and would like to settle for that amount, he refused. Instead of coming to an agreement he argued and tried to intimidate me. He also said they would not take the collection off of my report even if I paid the whole amount and asked for a pay to delete letter. He was totally rude and unhelpful. He cut me off every time I tried to explain my situation and was very pushy and continued to call and harass me and threatened to report to other agencies even after I offered to settle!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: FL

Complaint narrative:
FIRST PROGRESS CARD - SECURED CARD CARD OPENED : XX/XX/XXXX - XXXX BALANCE - CHARGES NEVER MADE FIRST PROGRESS NEVER CONTACTED ME REGARDING PAYMENT AND PROCEEDED TO INCUR CHARGES ON THIS ACCOUNT AND DID NOT GIVE ME A CHANCE TO PAY ON TIME. I HAD 2 CARDS WITH THEM TO TRY TO IMPROVE MY CREDIT. INSTEAD THEY ISSUED TWO 30 DAY LATE PAYEMENTS ON MY ACCOUNT IN XX/XX/XXXX. 

THIS CREDITOR IS KNOWN FOR PREDATORY PRACTICES AND TOOK ADVANTAGE OF THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX  XXXX ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXXXXXX ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
SPRING OAKS CAPITAL has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: FL

Complaint narrative:
FIRST PROGRESS CARD - SECURED CARD CARD OPENED : XX/XX/XXXX - XXXX BALANCE - CHARGES NEVER MADE FIRST PROGRESS NEVER CONTACTED ME REGARDING PAYMENT AND PROCEEDED TO INCUR CHARGES ON THIS ACCOUNT AND DID NOT GIVE ME A CHANCE TO PAY ON TIME. I HAD 2 CARDS WITH THEM TO TRY TO IMPROVE MY CREDIT. INSTEAD THEY ISSUED TWO 30 DAY LATE PAYEMENTS ON MY ACCOUNT IN XX/XX/XXXX. THIS CREDITOR IS KNOWN FOR PREDATORY PRACTICES AND TOOK ADVANTAGE OF THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I moved from XXXX XXXX XXXX located in XXXX, Louisiana, after being displaced from hurricanes Laura and Delta since XX/XX/XXXX, on XX/XX/XXXX. I received my deposit back from the office and actually left with a positive rent balance due to a rental assistance credit from XXXX XXXX in the amount totaling {$1300.00} that was for the months of XXXX, XXXX, XXXX and XX/XX/XXXX rental payments., but due to me returning to my hometown of XXXX XXXX XXXX Louisiana XXXX the office was suppose to return {$980.00} for XXXX, XXXX and XXXX since i was no longer residing there. I was not contacted by anyone after I left XXXX XXXX even though they had my cellphone number and forwarding address and I did not find out about a so called balance until I got a letter in XX/XX/XXXX from a debt collector stating I owed XXXX XXXX money although i got my deposit back. I tried calling for months with no success and finally borrowed my father 's vehicle a drove to XXXX on XX/XX/XXXX to confront whoever was now working in the office and found out that someone put a whole bunch of charges on my ledger in XX/XX/XXXX and the office staff didn't know what it was for and I didn't even live there anymore, so these so called charges are what got sent to collections. They also lied stating I moved out XXXX XXXX to and justify keeping part of the {$980.00} check but I have my XXXXl receipts from XX/XX/XXXX.

Company response to consumer: Closed with explanation