vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: GA

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.

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 non-monetary relief
Consumer complaint received 2024-11-25 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: AL

Complaint narrative:
In XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
IVE TRIED RESOLVING IT DIRECTLY WITH THE CREDIT BUREAUS FIRST ( CALLING, MAILING IN OTHER LETTERS )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : RESIDENT VERIFY XX/XX/XXXXXXXX  Experian XXXXXXXX XXXXXX/XX/XXXX Experian

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 2024-11-25 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: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a complaint regarding an account with Synchrony Bank for Ashley Furniture Homestores ( Account Ending : XXXX ). This account was charged off, but I have not received a 1099-C ( Cancellation of Debt ) form to indicate the debt was formally forgiven and reported to the IRS.

Despite the lack of a 1099-C, Synchrony Bank continues to report this account as a charge-off on my credit report, negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate and up-to-date information. If the debt was not canceled, it is unclear why it remains in this status without further communication. 
I believe this reporting is inaccurate and misleading.

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 2024-11-25 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: IL

Complaint narrative:
Affidavit for identity theft was filed for XXXX XXXX under ID # : XXXX and sent via mail twice ( XXXX XXXX & XXXX XXXX ) to address to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX committed identity theft by using his identity to apply for credit without his consent. This was discovered after XXXX passed away on XXXX XXXX, 2024. 
I spoke with several representatives on the status of this and an update is never received. I'm only informed to call back and being transferred to several representatives. Finally spoke with XXXX XXXX on XXXX XXXX, 2024. I was informed by XXXX XXXX to send a police, FTC, & XXXX XXXX reports, XXXX XXXX ID & XXXX XXXX. XXXX XXXX informed me that I did not have to fill out the affidavit. I contacted. XXXX XXXX provided me her phone number and the extension : XXXX ext. XXXX. I have received XXXX letters attached with blank affidavits in the mail and a letter requesting me to fill this out. I filled out this form and mailed it. I have asked for documentation to be sent that the investigation regarding this is pending and for the results when the application is complete.

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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: NV

Complaint narrative:
Formal Complaint Against IQ Data for Failure to Validate Account and Bankruptcy Compliance Case No. XXXX Dear CFPB, I am filing this formal complaint against IQ Data for their failure to validate and appropriately handle an account that was resolved through a bankruptcy case, Case No. XXXX, filed under my spouses name. Despite repeated attempts to obtain validation and verification of the account, IQ Data has failed to respond or comply with applicable laws, including the Fair Credit Reporting Act ( FCRA ) and bankruptcy discharge protections. 

The original account was associated with XXXXXXXX XXXX and had an amount of {$6000.00}. This debt was fully addressed and discharged through the bankruptcy process. I have attached a copy of the bankruptcy discharge letter as proof. Despite this, IQ Data continues to report this account inaccurately on my credit report, which constitutes a discrepancy and a violation of my rights as a consumer under federal law.

I have sent IQ Data multiple validation letters requesting verification of this account in connection with the bankruptcy. They have neither responded nor updated the account to reflect its discharged status. This ongoing reporting of a discharged debt is a clear violation of both the FCRA and bankruptcy laws. 

Additionally, this account 's presence on my credit report has caused unnecessary stress and financial harm. The inaccurate reporting undermines my ability to rebuild my credit and financial stability post-bankruptcy. 

I respectfully request the CFPB to investigate this matter and take the following actions : Instruct IQ Data to immediately remove this account from all credit reporting agencies. 
Ensure that the account is updated to reflect its discharge status. 
Prevent IQ Data from making any further attempts to validate, collect, or report this discharged debt.

Please find the attached bankruptcy discharge letter for your reference. 
Thank you for your attention to this matter and for your dedication to protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
I'm filing this complaint on Equifax because they mailed me a stall tactic computer generated letter, which I have attached to this complaint, telling me that my information that I provided as proof of identity did not match the information you have on file, which is clearly erroneous the name you have on file is the same name that I provided to you with my utility bill and passport ID. You were advised by me there was inaccurate information reporting on my consumer report account name, XXXX XXXX XXXX, account number XXXX, I also wrote a letter to Equifax via mail on XXXX XXXXXXXX XXXX certified mail ( XXXX XXXX XXXX XXXX XXXX ) with account name : XXXX XXXX XXXX account number : XXXX it came back as verified, when there is clearly inaccurate information reporting, which lead me to believe this account was not properly reinvestigated. Your delay is illegal and is in violation of the FCRA and I can and will sue Equifax for stalling my dispute process. In my previous complaint I requested this account to be updated as paid as agreed never late. Please reflect on my previous complaint made to the CFPB on XXXX, which I will attach the complaint. If you fail to update my complaint you will leave me no choice but to forward it to my attorney for litigation. Need I remind you of the case of XXXX XXXX v. Equifax, she was awarded XXXX XXXX in damages, XXXX XXXX in punitive damages and XXXX in compensatory damages. I am requesting that you continue forward with my original reinvestigation request and send the results to me within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have been making extra principal payments to the account first they would apply them to the interest I had to call to stop that. then I send checks that said principal and they would be applied to escrow. Also when I send the checks they don't get cashed until after the statement is sent this way it gets applied to the next month statement. I also started doing them through bill pay and they started going to interest as well. I started dividing my monthly payment into two equal parts for the second one to be made the first of the month equaling the total amount of my payment. they hold on to the payment even if I make it earlier and still charge me the same amount of interest they said they will not apply the amount to my account unless I pay the full amount at once. Or I can pay extra every single time. I spoke to three different people on XX/XX/year> the last one XXXX said I am not allowed to pay my payment in two equal parts. I can only make payments as a whole on the first of the month and interest will always be the same not when I make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 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 2024-11-25 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: IL

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.

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 non-monetary relief