vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. Synchrony Bank claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did Synchrony Bank interview regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

SYNCB/MC # 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 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : ALLY FINANCIAL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-10-01 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: MD

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 consists of A credit account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-01 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: NV

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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
A false account statement with letter was made at a subsidiary of this XXXX XXXX XXXX unit facility in XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX received a DEFAULT NOTICE on XX/XX/year> stating I have a unit # XXXX With an itemized statement as follows : DATE OF CHARGE XXXX {$77.00} XXXX {$77.00} XXXX {$20.00} XXXX {$100.00} XXXX {$22.00} XXXX {$22.00} TOTAL AMOUNT {$310.00} I called ( XXXX ) XXXX to ask who the Manager of the Facility was, and nobody answers. I do not have a lease with that address. I have a lease agreement at a different storage location that goes under a similar name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX I signed up online https : XXXX for a climate-controlled unit. The company had a false advertising for the climate-controlled unit listed, and my reserved unit was then rectified to be moved from the outside unit into a climate-controlled unit, that I currently lease. It started at unit XXXX ( the falsely advertised unit for climate control online ) then XXXX moved me to unit XXXX within minutes where I utilized the unit until I needed to upgrade the unit to a larger room, unit XXXX, in which happened in XXXX around the same time my credit card got a fraudulent charge on the credit card ending in XXXX I used twice before for a truck rental that Midgard offered but was not authorized for anything further with that card. Oddly, around this same time of the fraud attack to my credit card in the month of XXXX, the unit that I currently pay for ( XXXX ) air conditioning failed and was down for weeks, where some of my high-tech equipment suffered damages. I have paid my lease on time, and I do not have an account with this subsidiary looking so-called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( dba ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX can verify my only lease agreement at the facility she manages as she currently lives upstairs of the office building. She is the XXXX who moved my unit from the outside to the inside climate-controlled unit. I brought this matte to her attention and showed her the false statement NOTICE letter, and she said just ignore it and I do not owe any money. I called the ( XXXX ) XXXX and demanded to speak to the manager only to be met with a clerk that stated she would investigate the matter. The false statement debt was then sold to a collection agency and warded against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MD

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 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WI

Complaint narrative:
I resided at XXXX XXXX XXXX under a lease agreement, which I fulfilled by paying rent including the last month of XX/XX/year>. I notified the apartment management in writing on XX/XX/year> that I would be moving out by XX/XX/year>. I left the apartment in clean and undamaged condition. However, the apartment management has claimed I owe additional charges, including rent for XXXX and cleaning fees. They have provided no proof to support these claims. 

I asked the debt collection agency, Columbia Debt Recovery LLC DBA Genesis, to provide specific evidence supporting the alleged debt. I requested a detailed breakdown of the charges, including : Agreement with the creditor that grants the agency the authority to collect this debt. 
Any agreement signed by me showing my obligation to pay these additional charges. 
Proof that the apartment was left in a damaged or unclean state, as claimed by the creditor. 
A complete accounting of the alleged debt, including the origin and dates of any additional charges. 
Despite my requests, Genesis has failed to provide any of the requested documentation or proof of the alleged debt. Instead, they have continued reporting this debt to the credit bureaus, causing ongoing damage to my credit score, and they are adding interest to the debt each month. 

I have already paid all rent, including XX/XX/year>, and I provided proof of payment. The apartment management took {$500.00} from my deposit without justification, and I have received no evidence of any damages to the property. Their claims that I owe additional amounts are baseless, and this debt is unverified. I request that this debt be removed from my credit report and that all collection activities cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

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 2024-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
In XX/XX/year>, I was sued, but I did not become aware of it until I performed a random search of my name on Marylands case search software on XX/XX/year>. It was then that I discovered I had a scheduled hearing on XX/XX/year>, despite never having been served. I decided to attend the hearing to resolve the matter, but the other party was unprepared. Nevertheless, I agreed to pay {$3000.00} by the end of XX/XX/year>. 

In XXXX, I experienced a financial crisis and asked if I could settle the debt with a {$500.00} payment, which they declined. Instead, they threatened to inform the court that I had no intention of paying the original {$3000.00}. On XX/XX/year>, I submitted an online payment of {$3000.00} through my XXXX checking account. Although I received an immediate confirmation on their website, the funds remained in my account for several days. I called on XX/XX/year>, to confirm the payment, only to be told that they were not processing it because they do not accept " web banks. '' I was not informed of this policy for XXXX days, despite their website only stating that debit and credit cards are not accepted. 

They agreed to accept my {$3000.00} if I paid by XX/XX/year>, which forced me to find an alternative payment method at the last minute without prior notice. I obtained money orders as a solution, but when I returned home, I received a letter from the debt collector, dated XX/XX/year>, stating that they would not accept my payment. They claimed that I was no longer in compliance with the previous arrangement. Despite my efforts to meet the payment terms, they are refusing to accept my payment and are attempting to make it appear as though I am intentionally defaulting on the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report to XXXX XXXX XXXX. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: WI

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-01 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n 
( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-10-01 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: CA

Complaint narrative:
15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. XXXX XXXX claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did XXXX XXXX  interview regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

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 2024-10-01 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:
15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. XXXXXXXX XXXX claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did XXXX XXXX XXXX regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

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