vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account Credit card Charges Off Account : number XXXX Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Good morning in reviewing my credit report. XXXX XXXX XXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX written off. XXXX XXXX XXXX failed to submit 1099 -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX Violation FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter.

( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. 
Consumers prepared to address this matters in legal proceedings for statutory damaged. 
Im hoping we can address this matter with the proper outcomes for both parties. 
The following documents can be mailed to me at XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Check out Store clerk at TJ Maxx, told me she was opening a loyalty account and instead opened a credit card ( I repeatedly told her I do not want a credit card and she told me it is not a credit card, she also distracted me through out the process ).

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 2024-11-03 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC1681 XXXX  # XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXX XXXX  # acct XXXX XXXXXXXX XXXX  XXXX, {$190.00} XXXX  # acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX  acct XXXX {$1000.00} XXXX XXXX XXXX  # Acct XXXX {$730.00} XXXX XXXX # acct XXXX {$250.00} XXXX XXXX XXXX  # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX  # acct XXXX {$7900.00} XXXX XXXX # acct XXXX  {$130.00} XXXX # acct XXXX {$480.00} XXXX XXXX  # XXXX {$730.00XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX portfolio XXXX {$450.00} XXXX XXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( ax5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( AxI ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

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. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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. 
Notification to Other Collectors 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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Statement of account does not have legal name I noticed on XXXX XXXX and I complain of XXXX XXXX XXXX refusing to comply with federal government and presently have malware denying bank access to customer as well as staged personnel with malware scripts prepared to assault and batter customer apon entering bank for being XXXX and XXXX XXXX XXXX XXXX white of burned XXXX XXXX. The burned cross association of XXXX history refuses to comply with federal equal credit file than acts as organized criminal against clear XXXX customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with TransUnion 's refusal to permanently delete adverse accounts from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 605C. I am a XXXX XXXX XXXX XXXX  and, as per the protections XXXX XXXX XXXX, I am eligible for these adverse accounts to be permanently deleted. 

Despite providing the necessary information to TransUnion, they have not acted upon my request to remove the accounts as required by law. I am seeking your help in ensuring that TransUnion complies with the provisions of FCRA 605C, so that these adverse accounts can be removed from my credit report permanently. 

Please find any additional documentation attached as needed.

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 2024-11-03 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 did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank 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 non-monetary relief
Consumer complaint received 2024-11-03 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: NY

Complaint narrative:
An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus. I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA. I have not received a follow up or deletion from my 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, 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 mortgage at XXXXXXXX XXXX opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXXXXXX XXXX  opened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Credit card Charges Off Account : Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of you are required to submit all documents to consumer by mail. 

Good morning in reviewing my credit report. XXXX XXXX XXXXXXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX XXXX XXXX XXXX XXXX XXXX failed to submit XXXX -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX Violation FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter. ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. Consumers prepared to address this matters in legal proceedings for statutory damaged. Im hoping we can address this matter with the proper outcomes for both parties. The following documents can be mailed to me at XXXX XXXX XXXX XXXX XXXX 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 2024-11-03 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: TX

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections.

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Check out Store clerk at TJ Maxx, told me she was opening a loyalty account and instead opened a credit card ( I repeatedly told her I do not want a credit card and she told me it is not a credit card ).

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To whom it may concern on XX/XX/year> I wrote to you requesting validation in an investigation into items that I believe were inaccurate. To date, I have not received my such validation. The only reply from you was a letter from a statement, from XXXX in my previous request directly to you I listed the reasons for disputing the information and requested validation. yet again you have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately.be advise that the description of the procedures used to determine the accuracy and completeness of the information is here by requested. Additionally, please provide the name and address and telephone number of each person who personally verified this alleged account so that I can inquiry about how they verify without providing any proof bearing my signature.As per FTC opinion letter from XXXX XXXX  XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification I am again formally, requesting a copy of any documents, burying my signature, showing that I have a legal binding contractual obligation to pay you the alleged amount. be aware that I am making a final goodwill attempt to have you clean up this matter the listed items is inaccurate and incomplete, and represents a very serious error in your reporting I am maintaining a careful record of any communications with you for the purpose of filing a complaint with the Consumer Financial protection, XXXX and the Attorney General office should you continue in your non compliance of federal law under the fair debt collection practices act, the fair credit reporting act corresponding local state laws I further remind you that you may be liable for your willful non compliance. failure on your behalf to provide a copy of any legal contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of XXXX  in damages per violation. defamation, negligent enablement Of identity fraud. violation of the fair debt Collection practices act ( including, but not limited to section XXXX078 ). Violation of the fair credit reporting act. ( including, but not limited to section 623 B ) you will be required to appear in a court venue local to me, In order to formally defend myself

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was charged interest on my Citibank account for the month of XXXX, even though the full balance for the previous month had been paid in full. I was told that this was a computer mistake and that the interest charge would be reversed. I called back twice to have this done and so far it has not been done.

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 2024-11-03 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:
The following letters were sent requesting the process of verification and accuracy of alleged late payments on the following accounts listed on attachments. 

As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged missed payment information contained in my consumer file as per the FCRA.

Company response to consumer: Closed with non-monetary relief