vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: SC

Complaint narrative:
VERIFICATION OF DEBT REQUEST RE : account number XXXX Alleged debt in the amount of {$11.00} Dear H & R Accounts, INC. After reviewing your dunning letter, I have some concerns about the validity of your reporting/request. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. Request is hereby made that H & R Accounts, INC. and XXXX XXXX XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. Accordingly, please provide me with a complete accounting of the alleged debt H & R Accounts, INC. claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to H & R Accounts, INC. for the alleged debt obligation which is the subject matter of this dispute. An itemized breakdown of what H & R Accounts, INC. claims the payment is owed for. Explain and provide me with the method utilized to calculate the amount in dispute. Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount H & R Accounts, INC I owe. Identify the current owner of the alleged debt. Identify and accurately describe any third-party costs for which H & R Accounts , INC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. Provide a statement showing the relationship H & R Accounts, INC has with XXXX XXXX XXXX, and advise how H & R Accounts, INC gained access to my private personal data without my exclusive written consent. Dated : XX/XX/year> XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 u.s.c 1681s-2, the statue of limitations has been extended because a charge off was reported month after month on this account. My credit file states that I been having charge off reported on the same account since XX/XX/2022.

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 2024-09-06 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 non-monetary relief
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 non-monetary relief
Consumer complaint received 2024-09-06 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: WY

Complaint narrative:
Consumer name : XXXX XXXX XXXX consumer ss # XXXX consumer dob XX/XX/XXXX contents of complaint : This cfpb complaint has been filed to request pursuant to ( 15 usc1681c-2 ) that you, Transunion credit reporting agency , block information/delete information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consist of the following accounts and inquires # XXXX acount # XXXX opened on XX/XX/XXXX balance {$63.00} # XXXX XXXX  acount # XXXX opened on XXXX {$1400.00} # XXXX XXXX acount # XXXX opened on XX/XX/XXXX balance {$510.00} # XXXX XXXX acount XXXX XXXX opened XXXX balance {$18000.00} # XXXX XXXX  account # XXXX opened XXXX XXXX a balance of {$30000.00} # XXXX XXXX account # iqdonxxxx XXXX balance {$5500.00} and the following inquires # XXXX XXXX XX/XX/XXXX # XXXX XXXX  XX/XX/XXXX # XXXX XXXX XX/XX/XXXX # XXXX XXXX  XX/XX/XXXX the accounts and inquires are the result of Idenity theft and fraud.I have attached copy of the FTC Idenity theft criminal complaint # XXXX as proof from the federal trade commission that all the aforemementined consumer accounts and hard inquiries are the result of idenity theftvand 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 2024-09-06 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: NY

Complaint narrative:
Equifax is knowingly reporting inaccuracies that were already removed from my credit report which is completely illegal I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX, I presue that no proof of the alleged debt with XXXX XXXX XXXX nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The late payments reflected don't align with my consistent payment record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have received a copy of my credit report and there are inaccuracies listed. These remarks and accounts have had a negative impact and have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Bank of America, I was surprised to find late payments reported on my credit report for XXXX and XX/XX/year>. I believe I made my payments upon receiving my statements, and its possible there was an issue with the delivery of my monthly statement. 

I am requesting the immediate removal of these late payments from all credit reporting agencies. Given our positive relationship, I kindly ask that you remove this 30-day late entry from my credit report and refund any late fees that were assessed. Additionally, I believe I was billed incorrectly under the Fair Credit Billing Act ( FCBA ), specifically 15 USC 1666b, 1681i, and 1692g. Due to these violations and the inaccurate reporting, I am requesting the immediate deletion of this account.

I would prefer to resolve this matter promptly and avoid any unnecessary complications for both parties. I appreciate your attention to this issue and hope to continue the positive experience I have had with your bank.

Your prompt response and resolution will be appreciated. Failure to comply may lead to further legal action to protect my rights.

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 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received an offer to create a Chase Pay Over Time Plan with no fees on the first plan. I called and discussed the plan with a customer service agent named XXXX and was told that even though there was an expiration date, the offer renews and they never charge fees on the first plan. When I was ready to make a big ( $ XXXX ) purchase, I went to set up the plan, but the promotion for the fees to be waived was not there. 

On XX/XX/year>, I called and spoke with another agent told them that I was previously told the promotion would renew, but that agent said that was not right. I asked to speak to a supervisor and was transferred to XXXX. I explained my disappointment that I had been told there wouldn't be fees on the first plan and asked if they could extend the expired offer. She placed me on hold and when she returned, she informed me that she was able to get the extension approved to not charge the fees. I asked if she could set it up for me on her end but she said I would have to set it up on the app. I expressed my concern that on my end it still showed there would be fees, but she reassured me that those fees would be waived. I told her I really needed that to be accurate and she reassured again that the fees would be waived. Only at that point did I create the plan. That phone call was recorded and should be accessed and reviewed as proof of my claims. 

Now the fees are being charged despite XXXX 's reassurance that they would be waived by Chase. I've spoken to multiple agents and supervisors who tell me there is nothing they can do and that they are simply sorry that I was given wrong information. Nobody denies that I was told the fees would be waived, but everyone I speak to claims that nobody has the ability to actually follow through with the promises made by XXXX. I even indicated that I would pay the full balance other than the first month 's fee ( since I have gotten no benefit from the plan ) and even that has been refused.

Company response to consumer: Closed with monetary relief