vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, XXXX XXXX XXXX XXXX XXXX wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. 

Details of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. 
Failure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. 
Negative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my credit score. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly.

Relevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. 
Fair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. 
State Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. 
Resolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. 
Removal of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. 
Assurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. 
Refund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance. 
I trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws. 

Thank you for your attention to this complaint.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also the following inquries not mine never did anything during those date mention here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the next addressees never lived there XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX MA 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also the following inquries not mine never did anything during those date mention here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the next addressees never lived there XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
CareCredit/Synchrony Bank apparently has a well hidden checkbox that is pre-checked to enroll the applicant in payment security services that have cost me over {$400.00} this year! I work in XXXX  and XXXX  and my wife is a XXXX  so we are not totally ignorant of how things work applying for credit, but I, as well as mutliple parties reporting to various XXXX and other forum groups, find this practice extremely deceptive at best. I wish to report this and see if you can put pressure on them to stop this deceptive practice.

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 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, I have requested documentation of this debt that was charge off account, which the acquired owner voluntary took on the debt and now threating to sue me which I was never in contract with. Please see email below to PRA, LLC sent on XX/XX/year>. 


I am writing to dispute a debt allegedly owed to your company, originating from XXXX XXXX. ( XXXX XXXX ), and subsequently acquired by PRA, LLC. I have no record of this account or the associated debt amount. 

To assist in resolving this matter, I respectfully request the following documentation be provided : 1. **Account Documentation : ** Copies of all documentation related to this account, including those predati

ng PRA , LLC 's acquisition. This should clearly show my name, the last four digits of the account number, and the debt amount at the time of purchase by PRA, LLC. 2. **Transaction History : ** A complete and detailed transact
ional history of the account since its acquisition by PRA , LLC . 

3. **Chain of Ownership : ** A chronological list of all previous debt owners, including the dates of each transfer of ownership, from the time of the initial charge-off.

4. **Bill of Sale/Transfer Documentation : ** Copies of all bills of sale or other documentation evidencing each transfer of ownership from the time of charge-off. This should also include documentation pertaining to the original account opening. 


Please send the requested documentation to the following address : XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: AZ

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 explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
The inaccurate items on my credit report are currently involved in pending litigation due to reporting errors. As a result of this ongoing legal process, these items can not be verified. 
Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed from credit reports.

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 2024-12-04 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: TX

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
A Frustrating Journey with Lennar XXXX XXXX : An Investor 's Nightmare On XX/XX/XXXX, my journey began with high hopes as I visited Lennar XXXX XXXX in XXXX, TX, alongside my realtor, XXXX XXXX, to explore their investor-eligible properties. I selected a promising four-bedroom home at XXXX XXXX XXXX XXXX only to embark on a convoluted and stressful process riddled with miscommunication, shifting terms, and unmet promises. 

From the outset, Lennar 's strict policy to use their preferred mortgage lender, Lennar Mortgage, presented hurdles. Although I provided all the requested documents promptly, and assurances were given that my loan was preapproved, red flags appeared when clarity on closing costs and loan approvals remained elusive. Urged to send a {$10000.00} earnest money deposit under tight deadlines and with vague guarantees, I complied, trusting the assurances of the Lennar new home consultant.

Despite initial optimism, issues cascaded rapidly. A change in my employmentopenly disclosed to XXXX XXXX, Lennar 's loan officerdisqualified me from the original loan. Subsequent attempts to secure financing through other preferred lenders, such as XXXX XXXX XXXX and XXXX XXXX Mortgage, proved equally futile due to Lennar 's misrepresented rental income estimates. Each step involved additional costs, including credit checks and inspection fees, yet failed to yield a viable solution. 

What began as an investment opportunity spiraled into a logistical nightmare. Despite my willingness to adapt and even consider alternative properties, Lennars management and their partners inability to resolve appraisal discrepancies left me stranded. Promises to refund or transfer the earnest money evaporated, with Lennar citing inflexible policies despite the clear issues originating from their appraised rental comps.

This process has left me frustrated and questioning Lennars ethics. My earnest money remains unreturned despite my adherence to every requirement, while the apparent gaps in Lennar Mortgages approval processes and restrictive lender policies have made this experience untenable. Filing a formal complaint with the CFPB seems like my only remaining recourse to seek justice.

Lennars reputation and commitment to customer service are severely undermined by their handling of this situation. A process meant to secure a dream home turned into a disheartening ordealone I hope no other buyer has to endure *Please refer to the attached five-page document for detailed information regarding the parties involved, conversations, processes, and corresponding dates and times.

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 2024-12-04 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: ALCHRO INC.
State: FL

Complaint narrative:
I am writing to formally address a serious concern regarding FIRST FEDERAL CREDIT, a debt collector, which has been reporting my private medical information to consumer reporting agencies without my consent. This action is in direct violation of several federal regulations, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and other applicable laws. 

As a debt collector, FIRST FEDERAL CREDIT is legally obligated to adhere to these regulations ; however, this entity 's actions are in clear violation of these legal requirements. Specifically, this debt collector has no legal authority to transmit my federally protected information to any third party without my explicit authorization to do so. 

Furthermore, I have not received the required Debt Collectors Initial Communication ( Notice of Debt ) nor any verification or legal correspondence confirming consent or legal authorization for FIRST FEDERAL CREDIT to report my information. Under 15 U.S.C. 1692g ( a ), when a debt collector first contacts a consumer, they are required to send a written notice within 5 days of initial communication. As FIRST FEDERAL CREDIT is a debt collector, they are obligated to verify the debt by providing proof of the debt or a copy of the judgment ( if applicable ). However, FIRST FEDERAL CREDIT has failed to do so and continues to report unverified debt to the Consumer Reporting Agencies without any legal right to do so. 

In addition to the above, FIRST FEDERAL CREDIT is civilly liable for violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692k, which may result in : Actual Damages : FIRST FEDERAL CREDIT is responsible for any actual damages I have suffered as a result of their non-compliance, including emotional distress and financial harm.

Statutory Damages : I may be entitled to statutory damages as specified under the FDCPA.

Attorneys Fees and Court Costs : I reserve the right to seek attorney 's fees and court costs should I pursue legal action.

Civil Penalties : In some cases, the court may impose additional civil penalties for willful violations or failure to comply with the FDCPA

Company response to consumer: Untimely response
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying several times to get these fraudulent account removed from off my credit report. I have disputed it over years they took it off of my report and then they place the back I got my credit score over XXXX and then when they put it back in dropped over XXXX points, I can not keep going through this fraudulent credit card account identity theft situation needs to be handled as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
In accordance with the fear credit reporting act ( XXXX XXXX ) account # XXXX, ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 USC 1681 section 604 A section 2 : it's also states a consumer reporting agency can not furnace a account without my written instruction.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a letter to XXXX. They had over 60 days to investigate and said I would receive a response by XX/XX/year>. They did not delete or send any information yet.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a letter to XXXX. They had over 60 days to investigate and said I would receive a response by XX/XX/year>. They did not delete or send any information yet.

Company response to consumer: Closed with non-monetary relief