vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } but my previous dispute did not ask you for accuracy or validation. 
You furnished to { XXXX, XXXX, and XXXX ' } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 

Id. at XXXX ; see also XXXX XXXX XXXX ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 
Your Name XXXX  XXXX Without Recourse UCC 1-308

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bright Capital Inc
State: FL

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } but my previous dispute did not ask you for accuracy or validation. 
You furnished to { XXXX, XXXX, and XXXX ' } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 

Id. at XXXX ; see also XXXX XXXX XXXX ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account.

Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 
Your Name XXXX  XXXX Without Recourse UCC 1-308

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 2024-08-11 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-11 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX  XXXX XXXX, Synchrony Bank/PayPal Credit , the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.

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 2024-08-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by Chase bank , XXXX, XXXX XXXX XXXX , the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of an account that is inaccurately reported as being in collections on my credit report. The account in question, was paid in full on [ XX/XX/year> ]. Despite this, the account continues to be listed under the collections section of my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that all information reported on a consumer 's credit report is accurate and up-to-date. Since this account has been paid in full, it should no longer be reported as a collection account. I have attached proof of payment for your review. 

I request that you immediately update my credit report to accurately reflect the paid status of this account and remove any mention of collections.

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 2024-08-12 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CT

Complaint narrative:
In XX/XX/year>, pursuant to the XXXX XXXX XXXX XXXX, my wife and Is student loan in the amount of {$XXXX} with ED Financial was forgiven. 
XXXX continues to incorrectly report this account this account as owing {$XXXX} ( The other credit bureaus have removed it. ) I have twice filed complaints with XXXX ( XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX : XXXX ) ) to get the balance removedagain, as the other XXXX reporting agencies ( XXXX and XXXX ) have correctly done. 
XXXX simply doesn't explain why they are the only Credit Bureau that continues to report this incorrectly. 
Bizarrely, when I contact ED Financial in an attempt to get them to communicate, they say they can not locate the account. 
At the point, the only impediment to home ownership is this listing as I was recently declined a mortgage because this account is incorrectly listed as our owing {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: PA

Complaint narrative:
There was a fraudulent charge by XXXX XXXX on XX/XX/year> for {$XXXX}. I reported the problem and XXXXXXXX XXXX XXXX XXXXXXXX issued a new card/number. They did their process and denied a refund because I " authorized, participated in or benefited from the purchase. '' I can't find any record of this app through XXXX or XXXX or even in my online history. I am currently trying to get the XXXX company to provide me with any information about my supposed " account. '' I would never sign up for a running app as I'm XXXX XXXXXXXX. I have XXXX to try to lose weight which I haven't opened since XX/XX/year>. I hate running. I made this clear to the person I spoke with at Synchrony bank.

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 monetary relief
Consumer complaint received 2024-08-11 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: AL

Complaint narrative:
Experien and XXXX failed to perform a reinvestigation of a charge-off account reported by XXXX on my credit report. The account in question is listed under XXXX and has been marked which I believe XXXX be inaccurately reported. Experian and XXXX didnot provide the method of the reinvestigation. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to an accurate and complete credit report. The FCRA mandates that credit reporting agencies ensure the information in credit reports is both fair and accurate. Inaccurate or incomplete information must be corrected o

r removed. Moreover, the FCRA requires t hat any reported late payments must be accurate and substantiated. Under 15 U.S.C. 1681c, late payments must reflect the true nature of the account status. If a late payment entry is incorrect or outdated, it should be promptly rectified.

Failure to comply with these requirements can be considered willful non-compliance under 15 U.S.C. 1681n, which addresses the responsibilities of credit reporting agencies to maintain accurate records and the legal repercussions for failing to do so.

In light of these legal obligations, I request the following information regarding the reinvestigation process : The specific procedures Experian will follow to verify the accuracy of the reported charge-off and any related late payments. 
Details on how communication with XXXX will be managed to obtain updated or corrected information. 
The anticipated timeframe for completing the reinvestigation. 
How and when I will be notified of any changes or updates resulting from this process. 
I expect a thorough reinvestigation and prompt resolution of this matter in compliance with FCRA standards. Please keep me informed of any updates or changes to 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 non-monetary relief
Consumer complaint received 2024-08-11 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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY

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 2024-08-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-12 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: TX

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt removal of all inaccurate entries from my credit report and blocked all the information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I XXXX XXXX, is reaching out in regard to noticing on my consumer report. That I see collection accounts, inquires, and late payments that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 XXXX blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.

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 2024-08-11 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: GA

Complaint narrative:
I am a victim of identity theft. I have never agreed to do business with the creditors listed. Any deal made in my name was done without my knowledge or consent. 

Please remove immediately. 

These accounts are being reported under different names, by a different company on each bureau as well.

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 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of an account that is inaccurately reported as being in collections on my credit report. The account in question, was paid in full on [ XXXX, XXXX  ]. Despite this, the account continues to be listed under the collections section of my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that all information reported on a consumer 's credit report is accurate and up-to-date. Since this account has been paid in full, it should no longer be reported as a collection account. I have attached proof of payment for your review. 

I request that YOU immediately update my credit report to accurately reflect the paid status of this account and remove any mention of collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
Placed an order on XXXX and my order was never delivered. XXXX refuses to refund, filed a dispute with Chime. They did not even review the claim, just automatically denied it. Will not allow me to appeal or speak to anyone.

Company response to consumer: Closed with explanation