vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
XXXXm fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.

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 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank has unilaterally chosen to close XXXX credit account and reduce the available credit on another, even though I've not even been late on XXXX payment in years... the entirety of my relationship with them. 

They've performed an action that is dilatory to my credit score, even, by their own admission, with XXXX cause, such as a late/missed payment.

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 2025-01-02 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had 3 late payments on an account that was not in fact paid on time the consumer reporting agency need to report all information with incomplete accuracy. This account has not been late on payment I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. And XX/XX/XXXX and XX/XX/XXXX and now I am requesting you to investigate and provide veritable proof with record showing that I had late pavement. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-02 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: OneMain Finance Corporation
State: PA

Complaint narrative:
Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid as Agreed, Never Late ) status, in accordance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint personally, without any third-party involvement. I have attached letters providing detailed information about what is being reported on my credit report. I have never had a contractual relationship with JEFFCAPSYS, and I believe the original creditor, XXXX XXXX, sold my account without proper notification. This is a clear violation of FCRA Section 611, as it involves inaccurate reporting on my credit report. I kindly request that you delete this account immediately, as it is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re-aging can destroy a consumer 's credit. Violations of the FDCPA can result in civil penalties of up to {$2500.00} per violation. 

Also Data Breech

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 2025-01-02 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Unverifiable Account from My Credit Report Dear, Credit Reporting Department I am writing to formally notify you that the account in question, associated with XXXX XXXX  and listed as a charge-off, has been completely deleted from my XXXX credit report as of XX/XX/year>, following a dispute I filed. The account, originally showing a balance of {$1400.00}, was investigated, and XXXX concluded that the information could not be verified, resulting in the removal of the account from my credit file. 

As XXXX has already deleted this unverifiable account from my credit report, I respectfully request that you, as the credit reporting agencies, also take appropriate action and remove this account from my credit report. The information provided by XXXX XXXX  can not be verified, and under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information.

Under the **FCRA** ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that can not be verified within a reasonable time frame. Furthermore, under **15 U.S.C. 1681e ( b ) **, you are required to maintain accurate information in my credit report. As the information related to this account has not been verified and is now considered inaccurate, you must remove this derogatory mark within 30 days or face potential legal consequences.

In addition to my rights under the FCRA, I am also protected under the **Consumer Credit Protection Act ( CCPA ) **, which ensures that my credit history is not damaged by unverifiable or incorrect information. If you fail to remove the unverifiable account within 30 days, I will be forced to take further action, including but not limited to filing a lawsuit for damages under the **FCRA**, and potentially pursuing legal claims for statutory damages and attorney fees.

I kindly request that you update my credit report accordingly and provide written confirmation of the removal of this account. If this account is not removed within 30 days of receipt of this letter, I will consider all legal options available to me, including filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and taking legal action against your agency.

Please treat this matter with the urgency it deserves. I expect to hear from you within the next 30 days with confirmation that this account has been removed from my credit file.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
Subject : Request for Removal of Unverifiable Account from My Credit Report Dear, Credit Reporting Department I am writing to formally notify you that the account in question, associated with XXXX XXXX and listed as a charge-off, has been completely deleted from my XXXX credit report as of XX/XX/year>, following a dispute I filed. The account, originally showing a balance of {$1400.00}, was investigated, and XXXX concluded that the information could not be verified, resulting in the removal of the account from my credit file. 

As XXXX has already deleted this unverifiable account from my credit report, I respectfully request that you, as the credit reporting agencies, also take appropriate action and remove this account from my credit report. The information provided by XXXX XXXX  can not be verified, and under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. 

Under the **FCRA** ( 15 U.S.C. 1681i ), you are obligated to investigate and remove any information that can not be verified within a reasonable time frame. Furthermore, under **15 U.S.C. 1681e ( b ) **, you are required to maintain accurate information in my credit report. As the information related to this account has not been verified and is now considered inaccurate, you must remove this derogatory mark within 30 days or face potential legal consequences.

In addition to my rights under the FCRA, I am also protected under the **Consumer Credit Protection Act ( CCPA ) **, which ensures that my credit history is not damaged by unverifiable or incorrect information. If you fail to remove the unverifiable account within 30 days, I will be forced to take further action, including but not limited to filing a lawsuit for damages under the **FCRA**, and potentially pursuing legal claims for statutory damages and attorney fees.

I kindly request that you update my credit report accordingly and provide written confirmation of the removal of this account. If this account is not removed within 30 days of receipt of this letter, I will consider all legal options available to me, including filing a formal complaint with the
**Consumer Financial Protection Bureau ( CFPB ) ** and taking legal action against your agency.

Please treat this matter with the urgency it deserves. I expect to hear from you within the next 30 days with confirmation that this account has been removed from my credit file.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX XXXX and XXXXXXXX XXXX EST. Dont send any usps, XXXX XXXX or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There seems to be an identity theft going on with my Transunion credit report as I see an authorized hard enquiry with the name XXXX XXXX  on XX/XX/2024 as someone tried to apply for a credit card using my SSN and other details without my consent or knowledge

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
Requested a Cease and desist from Kinum INC KINUM INC Address XXXX XXXX, VA XXXX Account number : XXXX **Subject : ** Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ). I am writing to inform you that I refuse to pay the alleged debt associated with your collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I was paying my loan with Avant off completely and called them to report this before the XXXX of XXXX, I called and requested a 10 day payout number they provided this to me I called my other bank that was paying it and gave them the number avant provided. My other bank said okay call them let them know you will be sending them the check now. I called avant back and informed them I would be sending them the full amount of the loan and not to debit my account they agreed and said they would note the account. And provided me with the address and what details I would need to include on the check. I sent the check on the XXXX once I received it, i called and informed them the check was on its way. Days later I noticed they tried to debit my account I called avant back and told them again why are you trying to charge me when I informed you the final amount is on its way to you the lady apologized and assured it wouldnt happen again. Again days later it happened so again I called them and same XXXX over again. Fast forward past that I received an email that they received the payment but I still owed XXXX $ I called avant and requested a summary of every payment and every transaction from Day one. I asked why is my account still open stating I owe money the rep told me because I did not schedule a payout I said Im sorry what, I did schedule the payout how the XXXX else would I have gotten the number to send you. And she repeated her self saying I did not schedule the payout. I requested a manager he got on the line and I explained everything I Am Telling you to him he said the same I did not schedule the payout. I did I spoke with them several times because I am a freak when it comes to my credit. I have never been late I have never had an issue. I informed them well before payment was due. The manager told me there is nothing he can do. My account is open building interest on something I paid off and do not deserve. I had a whole other bank pay it in that case I would have never done it. This is unfair and not ethical at all I paid them exactly what they told me to pay I did exactly what they told me to do this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX  months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
My personal information was exposed in the recent data breach leaking my person information on to the dark web/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
XXXX writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I was never given any notice of the debt. I was never given anything in writing to tell me anything about who or where the debt was. Nothing was sent to me or certified mail was ever received.

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 2025-01-02 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion.

Please delete the following accounts XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$0.00}

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