vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX, XXXX, and Equifax for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, XXXX, XXXX, and Equifax to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: AMERIS BANCORP
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> I Contacted cashapp support in app request info to let me know if I reported a security vulnerability if I would receive a reward. Then the agent says I would Receive a reward as requested since I provided the reason for The reward after I submitted the report. THEN SOMEONE ELSE FROM CASHAPP TOLD ME OTHERSPWISE. I DESRVE TO RECEIVE A REWARD BECAUSE 1. THE SUPPORT AGENT MADE A POMISE THAT I WOULD RECEIVE A REWARD AND I HAVE CREDIBLE PROOF OF where the agent said so So I should be compensate for the report plus the misleading information the agent provided to me Cashapp has until a few days to send my reward in app as promise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I seek relief from SYNCHRONY BANK to cease reporting late payments or Charged Off status on my credit profile to agencies such as XXXX, XXXX, and XXXX for SYNCHRONY BANK Account XXXX in the My name XXXX XXXX XXXX Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify for a mortgage, car loan or personal loan.

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 2024-06-23 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX, TransUnion, and XXXX for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, XXXX, TransUnion, and XXXX to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against XXXX, Experian, XXXX, and XXXX for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, Experian, XXXX, and XXXX to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
On XX/XX/year>, I applied for student loan consolidation that was denied recently by Nelnet. I would like to know if the following applies to me : Many student loan borrowers have multiple education loans, either because they borrowed repeatedly throughout college or returned to school at some point. 

If these borrowers are enrolled in an income-driven repayment plan, it can mean theyre also on multiple different timelines to forgiveness. ( Depending on the plan, borrowers can get any remaining debt excused after XXXX, XXXX or XXXX  years. ) Under the temporary policy instituted by the Biden administration, borrowers who consolidate will earn credit toward all their loans based on the one they have been paying off the longest. They will also earn credit for certain periods that previously didnt count, including some months spent in deferments or forbearances. 

This will ensure folks get the maximum number of months of credit towards student debt cancellation,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist sent a letter to let me know that I have lost my promotional offer rate on my business credit card account ending in XXXX. 

The Truth in Lending Act, primarily codified at 15 U.S. Code 1601 and following, aims to promote informed use of consumer credit by requiring disclosures about its terms and cost.

Under TILA, lenders must clearly disclose the terms and costs of credit. This includes the APR, finance charges, amount financed, and total payments.

15 U.S. Code 1637 outlines the disclosure requirements for open-end consumer credit plans ( like credit cards ).

TILA also addresses changes in terms for credit accounts.

15 U.S. Code 1637 ( i ) requires creditors to provide a 45-day advance notice before increasing the APR or making other significant changes to the terms of a credit card account. This allows consumers time to opt-out of the changes if they choose.

Additional Protections The Credit CARD Act of 2009, which amended TILA, provides further protections : Credit card issuers must generally provide 45 days notice before increasing the interest rate on an existing balance.

Promotional rates must last for at least six months.

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 2024-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX ( XXXX ) XX/XX/year> MIDLAND CREDIT MANAGEMENT Attention : Chief Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : [ List all collections entries you want to be removed, including creditor name, account number, and any other relevant details ] Last 4 Social 3410 I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies.

The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation.

Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX Last 4 SocialXXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX ( XXXX ) XX/XX/2024 LVNV  Funding XXXX XXXX XXXX, XXXX, SC XXXX. 
Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C.

section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : [ List all collections entries you want to be removed, including creditor name, account number, and any other relevant details ] I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies.

The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation.

Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
That my account is original I know them and it is paid in full and they refuse to delete it from my credit, It's a third company. They don't tell me, they just charge. I've requested that I have a debt directly with them and they deny my rights. They keep putting that negative debt of {$730.00} dollars on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This complaint has been filed to request pursuant to FCRA ( 15 USC 1681c-2 ) that the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint this fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize aforementioned accounts, collections, and hard inquiries. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency shall ( i ) delete that item of information as appropriate, based on the information. Please remove all the inaccurate fraudulent items from my credit 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 explanation
Consumer complaint received 2024-06-23 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: FL

Complaint narrative:
I just recently looked at my Experian credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. [ Name of inquires & date ] 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  This inquires has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am writing to formally request the removal of an unauthorized inquiry by Bank of America from my XXXX credit report. This inquiry was conducted without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). 

Details of the Unauthorized Inquiry : Company Name : Bank of America Date of Inquiry : XX/XX/year> Credit Reporting Agency : XXXX Legal Basis for the Request : According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report if it is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written instructions or consent for Bank of America to conduct a credit inquiry on my XXXX report. This unauthorized inquiry violates my rights under the FCRA.

Additionally, 15 U.S.C. 1681c ( a ) ( 1 ) mandates that inaccurate or unverifiable information must be removed from a consumer report. Since this inquiry was neither authorized by me nor conducted for a legitimate purpose, it qualifies as erroneous information and should be removed immediately. 

Impact of the Unauthorized Inquiry : The unauthorized inquiry by Bank of America has negatively impacted my credit score and overall creditworthiness. It reflects incorrect and misleading information on my credit report, which can hinder my ability to secure credit and other financial services. 

Requested Action : I am requesting that the CFPB investigate this unauthorized inquiry and ensure its prompt removal from my XXXX credit report. This action will help correct the inaccuracy on my report and mitigate any further adverse effects on my financial standing.

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 2024-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Now I have discovered that the item XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the XXXX. 
The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile. I will be corresponding with the Consumer Financial Protection Bureau as we resolve this Incident.

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 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
It was on XXXX XXXX XXXX XXXX XXXX XXXX  agent solicited me, if I can switch to XXXX ; he offered me one month try, if I dont like the service, I can return the equipment. During the 30 days try, I didnt not connect the equipment to have access to internet. 
They cancelled the service on XXXX ; they sent me emails stating, they will send me a return label to ship their equipment back, through XXXX, things they didnt do, I never received the return label! I started call many times for the return label. On XX/XX/year>, I went return the item ( equipment ) to XXXX XXXX store, I have the receipt of return. Six months later I received a notice of negative report on my credit, I filled a dispute to the collection agency however they still want me to pay the no return fees for the item I already returned. The email I received for the compa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation