vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: MS

Complaint narrative:
RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an Experian data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number ( XXXX ) and included with this letter. 
In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report.. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : See FTC report in attachment I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, I will be forced to pursue legal action against your agency, as allowed by law. Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC.

These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-complian ce ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent account from my credit report. 
I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated.

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 2024-11-26 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXXXXXX XXXX XXXXXXXX

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 2024-11-26 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Delete/ Removal of Inaccurate Account due to inaccurate Reporting Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Dear [ Credit Bureau Name ], I am writing to dispute inaccurate and inconsistent information on my credit report related to the above-referenced account. This account is being reported as a repossession with conflicting details across credit bureaus. Please Delete and remove this account entirely. 
Inconsistent Payment History : Experian reports " XXXX delinquencies '' in XXXX, despite payments made as recently as XX/XX/year>. 
XXXX reports " XXXX potentially negative months, '' which is inconsistent with Experian 's " XXXX potentially negative months. '' Repossession Status and Balance : XXXX shows " 97 % paid off '' with a balance of {$1100.00}, yet this account is listed as a repossession. 
The repossession date differs between Experian ( XX/XX/year> ) and XXXX ( XX/XX/year> ). 
Last Payment and Balance Details : Experian lists the last payment date as XX/XX/year>, while XXXX lists XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate, consistent, and verifiable information. I am requesting : Immediate removal of this account from my credit report if verification can not resolve these inconsistencies. 
Please respond to this dispute within 30 days of receiving this letter, as required under the FCRA. I have enclosed copies of my credit report highlighting the errors for your reference. 
Sincerely, 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 2024-11-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently checked my credit report and noticed accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I recently checked my credit report and noticed accounts reporting that I do not recognize.

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 2024-11-26 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: IL

Complaint narrative:
Subject : Verification of Debt, Dispute of Inaccurate Debt -Do Not Owe, and Reporting Against FCRA Guidelines After Validated as Accurate I am writing to formally dispute the debt listed on my account with Merchants XXXX XXXX account # XXXX, as I do not owe this amount and consider the information provided to be inaccurate. Under the Fair Medical Billing Act all billing is to be sent to the insurance within 6 months from the date of discharge. Also under the Fair Medical Billing Act it states the XXXX patients are not to be billed for any remainder of a bill. This bill was never sent to XXXX nor billed to myself within the proper time. My medical insurance was on file which is what the actual hospital billed. I didn't even know of this bill until I noticed it on my credit report as the collections account ( over 6 months ). FCRA 605 and FCRA 607. Under the Fair Medical Billing Act if the billing guidelines are not followed the patient is not the responsible party. It is the duty of the medical creditor to write off the bill. The patient is in no reason to be held liable for the bill. Also, XXXX patients are not to be billed for a remainder of any bill. This bill has already been sent to XXXX by XXXX XXXX XXXX and was refused by XXXX due to failed to follow billing procedures. 
This bill is also being inaccurately reported. It is being reported as a collections account that is open, past due, and the status update is being updated every month as a collection making these collections as recent collections within the last 30 days. This is severely hurting my credit score. 15 USC CODE 1681-2.

Please provide me with written verification of this debt ( itemized bill ), the date this was first billed to XXXX, the reason with date XXXX refused to pay, and detailed documentation supporting the claim that I owe this money, as required by the Fair Debt Collection Practices Act ( FDCPA ) and where under the FCRA the status being reported is correct. FCRA 611 and FCRA 605. 
Also, XXXX has already deleted this account for being inaccurate this should have been relayed to the other credit bureaus a Violation of FCRA 623. 
Please contact me at XXXX or XXXX if you need any further information regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX DOB XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
Subject : Verification of Debt, Dispute of Inaccurate Debt -Do Not Owe, and Reporting Against FCRA Guidelines After Validated as Accurate I am writing to formally dispute the debt listed on my account with Merchants XXXX XXXX account # XXXX, as I do not owe this amount and consider the information provided to be inaccurate. Under the Fair Medical Billing Act all billing is to be sent to the insurance within 6 months from the date of discharge. Also under the Fair Medical Billing Act it states the XXXX patients are not to be billed for any remainder of a bill. This bill was never sent to XXXX nor billed to myself within the proper time. My medical insurance was on file which is what the actual hospital billed. I didn't even know of this bill until I noticed it on my credit report as the collections account ( over 6 months ). FCRA 605 and FCRA 607. Under the Fair Medical Billing Act if the billing guidelines are not followed the patient is not the responsible party. It is the duty of the medical creditor to write off the bill. The patient is in no reason to be held liable for the bill. Also, XXXX patients are not to be billed for a remainder of any bill. This bill has already been sent to XXXX by XXXX XXXX XXXX and was refused by XXXX due to failed to follow billing procedures. 
This bill is also being inaccurately reported. It is being reported as a collections account that is open, past due, and the status update is being updated every month as a collection making these collections as recent collections within the last 30 days. This is severely hurting my XXXX XXXX. XXXX XXXX CODE XXXX. 
Please provide me with written verification of this debt ( itemized bill ), the date this was first billed to XXXX, the reason with date XXXX refused to pay, and detailed documentation supporting the claim that I owe this money, as required by the Fair Debt Collection Practices Act ( FDCPA ) and where under the FCRA the status being reported is correct. FCRA XXXX and FCRA XXXX. 
Also, XXXX has already deleted this account for being inaccurate this should have been relayed to the other credit bureaus a Violation of FCRA XXXX. 
Please contact me at XXXX or XXXX if you need any further information regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX DOB XX/XX/year>

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 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Requesting validation of the debt. AND REQUEST ARBITRATION THAT IS NOTICEED ON THE ORIGINAL CONTACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MS

Complaint narrative:
am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank for your prompt attention to this matter. I 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 non-monetary relief
Consumer complaint received 2024-11-26 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: MS

Complaint narrative:
am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Complaint Regarding CareCredits Predatory Interest and Payment Practices I am filing a complaint against CareCredit ( Synchrony Bank ) for predatory interest charges, deceptive payment distribution practices, and false reporting to collections. Despite using the account for promotional no-interest charges, payments were consistently applied to balances not accruing interest, leaving expiring promotional charges to accrue high interest. 

Now, this account has been sent to collections, severely affecting my credit score. This mirrors an issue I previously had with Synchrony Banks Ashley Furniture card, where they falsely reported I owed interest despite the account being fully paid. After I proved their error, they deleted the report. 

I request an immediate investigation into Synchronys practices and false reporting, as these deceptive methods are causing significant financial harm and unjust credit damage to consumers. 

Thank you for 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 explanation
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.

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 2024-11-26 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: NY

Complaint narrative:
Late payments appear on my credit report but seem inaccurate. Please make corrections and update the account.

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 2024-11-26 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: NY

Complaint narrative:
The problem arises from inaccurate and potentially fraudulent reporting of credit information by companies such as Experian, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. These entities have reported unverifiable, incomplete, and inconsistent data, which has negatively impacted the consumers creditworthiness. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under provisions like 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, which require credit bureaus and data furnishers to maintain the accuracy and reliability of credit reports. Despite disputes, these issues remain unresolved.

The concern goes deeper, involving violations of 15 U.S.C. 1681c-2, which mandates the removal or blocking of fraudulent and unverifiable data. The consumer is holding these companies accountable for not only the inaccuracies but also for failing to act responsibly to prevent further harm. Immediate action to delete the inaccurate data and comply with FCRA regulations is being demanded, with legal action threatened if the requested remedies are not implemented 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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Comerica
State: MI

Complaint narrative:
My account was hacked and was used to do an ACH transfer to XXXX

Company response to consumer: Closed with explanation