vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I am writing regarding the charge-off account reported to the credit bureaus under my name. Upon reviewing my credit report, I noticed that this charge-off has been recorded. However, I have not received a Form 1099-C from the compant to reflect this debt as forgiven or canceled.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or incomplete information reported to the credit bureaus. Additionally, according to IRS regulations, if a debt of {$600.00} or more has been canceled or forgiven, creditors are required to issue a Form 1099-C to both the debtor and the IRS, as outlined in 26 U.S.C. 6050P.

If the debt has indeed been forgiven, then your failure to issue a Form 1099-C calls into question the validity of this charge-off and its continued reporting on my credit file. If the debt has not been forgiven, I request clear documentation of the charge-off, including : 1. The original signed contract or agreement.

2. A full accounting of the debt, including all payments made and how the charge off amount was calculated.

3. Evidence that the debt is still owed and not canceled or forgiven.

Failure to comply may result in further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-27 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: AZ

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and identified an account reported by XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) with account number ending in XXXX. This account is listed as a collection account with a balance of {$7300.00} and a high credit limit of {$3700.00}. 

I do not recognize this account, and upon further review, I identified several inconsistencies and errors that raise concerns about the accuracy and validity of this reporting. 

Key Issues Identified : Balance Discrepancy The reported balance ( {$7300.00} ) exceeds the high credit limit ( {$3700.00} ), which suggests errors, unverified fees, or penalties that have not been properly documented or disclosed. 

Missing Payment History The account lacks payment history details and date of last payment, preventing verification of whether the debt is valid or time-barred based on the statute of limitations. 

Ownership and Chain of Custody It is unclear whether this debt is still owned by XXXX XXXX XXXX XXXXXXXX XXXX or if it has been sold to a third-party debt buyer ( XXXX XXXX ). The company has not provided proof of ownership or documentation validating the debt. 

No Loan Terms Listed The report does not disclose any loan terms, repayment schedules, or interest rates, which further raises questions about whether this debt has been modified, settled, or inaccurately reported. 

Actions Taken : On XX/XX/year>, I submitted a formal dispute letter to TransUnion and XXXX XXXX requesting : Validation of the debt, including copies of the original loan agreement, payment history, and proof of ownership. 
Correction or removal of the account if the information can not be verified as accurate. 
I have yet to receive a response or acknowledgment from either party. 

Resolution Requested : I request that the Consumer Financial Protection Bureau ( CFPB ) review this case and require the company to provide proof that : The account is valid and accurate. 
The balance and fees are legally justified. 
They have the legal authority to collect on this account. 
If the company can not validate the debt or correct the errors, I request that the account be deleted from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance in addressing 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 2024-12-27 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: NJ

Complaint narrative:
I'm submitting a complaint regarding the incorrect information on my credit report from TransUnion. My report shows an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a wrong name listed as " XXXX XXXX XXXX. '' The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my correct legal name is XXXX XXXX XXXX . This incorrect information is affecting my credit and causing unnecessary confusion. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and have it corrected. I'm requesting that TransUnion investigate this matter, remove the incorrect address, and update my name and address to reflect the correct details. Thank you for your assistance in resolving this matter promptly.

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 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I been customer with sams club for over 10 years.4 years ago they said if I got credit card with synchrony bank they are partners with any time I spend money I would reiceve money back, I was giving credit of XXXX dollars. In XXXX I was approved with social security for XXXX benefits, in XXXX of 2024 I paid off synchrony bank almost XXXX so I can have good credit score and also control my debt to adjust my cost of living due to my XXXX doing that synchrony bank sends me an email saying we are lowering your credit amount to XXXX instead of XXXX .I have been deiceved by sams club and synchrony banks credit card practices .Had I known they would do that I would if I paid them off I would never proceeded with my purchases @ 29 % interest now because of this action they ruin my credit score and preventing me to purchase things that can help my life and have less stress also my wife is XXXX.sams club when I called them said it is not their problem but synchrony banks. Sams and synchrony bank both are practicing unethical business, pushing floor associates at sams to get costumers to enroll into getting a synchrony credit card and rewards are kickback from purchases. I feel I have been a victim of discrimination with XXXX and bad business banking practices from synchrony bank and sams club. Thank you 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 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is what I wrote to them- Subject : Dispute of Inaccurate Late Payment Entry on Credit Report To Whom It May Concern, XXXX : I am writing to formally dispute an inaccurate late payment entry on my credit report. Upon reviewing my report from XXXX I noticed a late payment reported for my account with WFNB account dated XX/XX/2024, last payment was XX/XX/2024. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to maintain accurate and complete information. Additionally, under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, creditors are required to mail or deliver periodic statements at least 21 days before the payment due date. 
I believe this entry is incorrect because I have consistently made all payments on time, or I did not receive the billing statement within the required timeframe, which impacted my ability to make a timely payment. 
I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. Accurate information is crucial for my creditworthiness, and I trust that you will address this promptly. 
Please confirm in writing that the disputed entry has been corrected or provide an explanation if you find the information to be accurate. I appreciate your attention to this matter and look forward to your response.

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 2024-12-29 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-27 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police XXXX identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per XXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police XXXX identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per XXXX XXXX XXXXXXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely XXXX and blocked from my credit file 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> I lost my Chase sapphire reserve credit card. 
The next day, I was contacted by the hotel where I had stayed, who informed me that my credit card had been found. 
Despite this, an unauthorized charge of {$2100.00} was made to my account for XXXX XXXX XXXX, a purchase I did not authorize or make. 
I promptly reported the charge to Chase Bank and initiated a fraud claim. 

Issue : Chase Bank has closed my fraud claim because they are requiring documentation from the hotel to confirm that my credit card was lost and later returned. However, as this incident occurred XXXX months ago, the hotel has no record or documentation of this event. This demand from Chase is both unreasonable and impossible to fulfill, given the circumstances. 

Key Points : XXXX. Failure to Protect the Consumer : Chase is neglecting its responsibility to protect its customers from fraud by placing an undue burden on me to produce documentation that can not reasonably be obtained. 
XXXX. Unfair Documentation Requirement : Requiring a hotel to provide proof of a lost and returned card, especially XXXX months after the incident, is not a standard procedure and reflects poor judgment on the part of Chase. 
XXXX. Lack of Adequate Investigation : Chase appears to have closed my claim without conducting a thorough investigation into the unauthorized charge, despite my clear communication of the fraudulent nature of the transaction. 
XXXX. Violation of the Fair Credit Billing Act ( XXXX ) : Under the XXXX, Chase Bank has a duty to investigate and resolve billing disputes in a fair and timely manner. By closing my fraud claim based on unreasonable documentation requirements, Chase is in violation of these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX balance {$0.00}, XXXX balance {$0.00}, XXXX balance {$0.00}, FED XXXX XXXX balance {$0.00}, XXXX  XXXX XXXX balance {$0.00}, XXXX XXXXXXXX XXXX balance {$0.00}, XXXX XXXX {$11000.00}XXXX XXXX XXXX  XXXX XXXX {$22000.00}, XXXX XXXX XXXX XXXX {$3400.00}, XXXX XXXX XXXX XXXX reference # 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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Despite submitting my FTC report and sending a letter that my account was opened fraudulently through identity theft, this company has not closed my account and it has not been removed from credit reports. This is affecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
For years I have tried to take care of this issue with XXXX effort. I will now be going forward with legal proceedings. I have proof in documentation of the collection being removed from the other credit bureaus and the company is denying this one through XXXX. This is and will be the last resort before proceeding with an attorney as they have broken FCRA laws by removing the collection from the other credit bureaus and then sending me a response back through XXXX that it will remain on my credit file. 
FCRA Laws as follows have been broken. 
Section XXXX, XXXX XXXX and XXXXXXXX XXXX  XXXX. I will upload proof company removed from other credit bureau files, but will not from XXXX. I will now be forced in suing the company.

Company response to consumer: Closed with explanation