vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/year> VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AR. XXXX Dear XXXX XXXX XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding the inaccurate reporting of an account named CNAC on my credit report. XXXX is reporting this account as a profit and loss write-off, which is incorrect. 

I have requested a 1099-C form from the company, yet the reporting remains inaccurate on both XXXX and XXXX. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate information. The discrepancies on my credit report are preventing me from obtaining necessary resources to improve the quality of life for myself and my family. 

I also want to highlight that the inconsistencies in reporting may lead me to report this matter to the IRS for potential fraud. It is crucial that all information on my credit report is accurate and consistent, and in this case, it clearly is not. 

I kindly request that you investigate this matter and ensure that the incorrect information is removed from my credit report promptly. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this, per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 )

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 2024-10-06 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: TX

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 USC1681. 
Account # XXXX, Account # XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of the information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 2 they are supposed to 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 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 2024-10-07 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: IL

Complaint narrative:
I have discovered that my credit reports from XXXX, Equifax, and XXXX contain inaccurate personal information that I did not provide or authorize. This incorrect information does not accurately reflect my identity and has caused confusion and potential harm to my credit profile. Below is a list of the inaccurate personal information currently listed on my credit reports : Inaccurate Personal Information : 1. Incorrect Addresses : Reported Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with my actual place of residence. 
2. Incorrect Phone Numbers : Reported Phone Number : ( XXXX ) XXXX This phone number does not belong to me. 
XXXX. Incorrect Names : XXXX XXXX XXXX. XXXX XXXX XXXX Correct Personal Information : XXXX. Correct Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Correct Phone Number : ( XXXX ) XXXX XXXX. Correct Name : XXXX XXXX Actions Taken : XXXX. Disputed Personal Information : I have formally disputed the incorrect personal information with XXXX, Equifax, and XXXX. 
XXXX. Provided Correct Information : Along with my dispute, I provided proof of my correct address, phone number, and identity in order to ensure my credit report accurately reflects my personal details. 

Applicable Law : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal disputes, the credit bureaus have failed to correct the inaccurate personal information. This failure violates my rights under the FCRA and continues to pose risks to my creditworthiness. 

Summary of the Issue : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that XXXX, Equifax, and XXXX correct the inaccurate personal information on my credit reports. These inaccuracies have caused harm to my credit profile, and I seek timely resolution to protect my credit history and personal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have discovered that my credit reports from XXXX, XXXX, and Experian contain inaccurate personal information that I did not provide or authorize. This incorrect information does not accurately reflect my identity and has caused confusion and potential harm to my credit profile. Below is a list of the inaccurate personal information currently listed on my credit reports : Inaccurate Personal Information : 1. Incorrect Addresses : Reported Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These addresses are not associated with my actual place of residence. 
2. Incorrect Phone Numbers : Reported Phone Number : ( XXXX ) XXXX This phone number does not belong to me. 
3. Incorrect Names : XXXX XXXX XXXX. XXXX XXXX XXXX Correct Personal Information : XXXX. Correct Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Correct Phone Number : ( XXXX ) XXXX XXXX. Correct Name : XXXX XXXX Actions Taken : XXXX. Disputed Personal Information : I have formally disputed the incorrect personal information with XXXX, XXXX, and Experian. 
2. Provided Correct Information : Along with my dispute, I provided proof of my correct address, phone number, and identity in order to ensure my credit report accurately reflects my personal details. 

Applicable Law : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal disputes, the credit bureaus have failed to correct the inaccurate personal information. This failure violates my rights under the FCRA and continues to pose risks to my creditworthiness. 

Summary of the Issue : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that XXXX, XXXX, and Experian correct the inaccurate personal information on my credit reports. These inaccuracies have caused harm to my credit profile, and I seek timely resolution to protect my credit history and personal identity.

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 2024-10-06 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an account at Regions Bank, Debit Card Number XXXX XXXX XXXX XXXX. There were numerous charges on my card/account from XXXX. I do not own any XXXX devices. I informed Regions Bank that the charges were fraudulent. Regions changed my debit card and the fraudulent charges stopped. However, Regions refused to credit me for the fraudulent charges. I went into the branch ( XXXX XXXX, XXXX, FL ) with my husband to request that the fraudulent charges be credited. The branch manager XXXX XXXX XXXX and employees refused to credit my account or otherwise assist me and threatened to call the police when I complained about their bad service. I closed the account but Regions still owes me the money for the fraudulent charges.

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 2024-10-06 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: GA

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2024-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In early XX/XX/XXXX, I canceled an order of bandages for my husband from XXXX for XXXX because he passed away. I paid off the Synchrony Bank/Amazon credit card for the XXXX bandages and closed the account. I pay off all my credit cards monthly. XXXX sent me a condolence letter immediately. When I checked my credit report at the end of XXXX the Synchrony Bank account was showed as paid off and closed. At the end of XX/XX/XXXX, XXXX sent a box with a few boxes of bandages, not the {$720.00} worth of my original order. My family and I called XXXX 14 times and each time XXXX said, " We will call you back in two days ''. Of course, they never did. All we wanted to do was return the package. In XXXX XXXX finally said that they were rescinding the order and that they credited us. At the end of XXXX Synchrony Bank/Amazon reopened my account without my knowledge or permission and the statement said I had a balance made on XX/XX/XXXX of {$750.00}. The statement did not say what was bought or from where. Synchrony Bank refused to speak to me informing me that my access to information is limited and sent me a letter that I found threatening. I did send them a letter in return with a copy of my bank statement showing that the statement they sent me in XXXX had been paid in full. I have not heard from them, but my credit report shows that the account is open and is in dispute. How can they close an account stating that it was paid in full and never any late payments and reopen an account and put charges on it three months after it was closed? I tried to get onto Synchrony Bank 's website, where I had paid my bill, and could not access the site. I also tried to get onto XXXXXXXX XXXX  website and I could not access this online site. When I called the number on the websites I was told by both companies that I do not have an account. I never received a statement from Synchrony Bank in XXXX, XXXX, XXXX, or XXXX. I was surprised when they sent me a statement in XXXX for something purchased in XXXX on an account that had been paid and closed. Even if it was not paid in full they should not been able to add a purchase on a closed account. Not only is Synchrony Bank perpetrating fraud against me, but is also making changes to my credit report. If Synchrony Bank refuses to communicate with me and can close and open credit card accounts in my name charging me for items I never ordered or received and can not afford to pay for what is my recourse?

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit it 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit it 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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