vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of certain accounts on my credit report. These accounts were placed in a hardship forbearance agreement with the companies below, and it was explicitly stated by the institution that no negative information would be reported during the agreed period due to my financial hardship. However, my recent credit report reflects negative remarks associated with these accounts, which is both inaccurate and unjust. 
The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information reported is accurate and verifiable. I am providing you this notice to review and investigate these accounts, as they are being reported contrary to the terms agreed upon with the creditor. Specifically, they assured me in writing that during the forbearance period, no delinquent payments, late remarks, or derogatory statuses would be reported. 
It is crucial to note that continued inaccurate reporting constitutes a violation of the FCRA, and failure to address this issue will leave me no choice but to seek all legal remedies available under Sections 616 and 617 of the Act. Additionally, as required by Section 611 ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly corrected or removed from my credit report. 

XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit 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 explanation
Consumer complaint received 2024-11-18 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts.

Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED.

If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report.

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act.

Please acknowledge receipt of this dispute within 4 days and provide updates on the progress of the investigation.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-11-18 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: IL

Complaint narrative:
XXXX, I formerly disputed the inaccurate information reported on my credit report under the fair credit reporting act ( FCRA ), Specifically referencing 15 u.s.c 1681 2 A ( i ), 15 u.s.c 1681 E ( B ), and 15 u.s.c 1691 S ( 2 ). THESE CHARGE-OFF Accounts XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) Bank of 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 XXXXXXXX XXXX XXXX These Debts is considered Charged-OFF However, This is actually considered income because I should've received XXXX for them all in order to account for them as income. This is not a charge-off. I'm requesting that all XXXX accounts is removed because it isn't debt they is considered income and income should not be reporting on my credit 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
**Capital One Auto Loan/Worst Decision I ever made in my life ; has been nightmare. ***I have car auto loan, been getting phone calls, voice mails, text messages, emails, original loan agreement to have a 15 day grace period to pay due after the XXXX of each month. Every month since car purchase coming up to 2 yrs ago Capital One does not acknowledge the contractual agreement & monthly reports me to credit agencies more than negatively impacting my credit. It has been emotionally/mentally chronically distressing. I have been monitoring their unlawful and deceptive actions daily ; they have been charging me late fees and reporting me & not once adhering to the 15 day grace period even after this past month when spoke to rep saying was granted then going right back to intrusive collection actions ; 2 mo. ago double charged, over drafted my bank account, I paid fees, addressed with Capital One ; only solution rep gave was to repo my car offering no resolution/solution ; my interest beyond very high ; credit horrible now ; currently being held unlawfully financially hostage ; their actions have been beyond unlawful, deceptive, and getting a car loan with this company was the worst decision I ever made. No one is on the same page or knows what is going on ; never any resolution, solution, and they never take any accountability or responsibility for anything pretty much do what they want cause they are so popular/powerful with their unfunny commercials on TV.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
In XX/XX/year>2024, I reviewed my credit report and saw that there were several inaccurate addresses and names and employers listed on my credit. My personal information is extremely important to me. It must be reported accurately at all times. I reached out to each bureau via phone. I was told that I had to write them so I did and they still have not removed all the old information and updated it with my correct information as requested in my letter. They are in full violation - willfully - of FCRA 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

None of the personal information that they are reporting on my credit is in fact accurate. It must be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
In XX/XX/scrub> 2024, I reviewed my credit report and saw that there were several inaccurate addresses and names and employers listed on my credit. My personal information is extremely important to me. It must be reported accurately at all times. I reached out to each bureau via phone. I was told that I had to write them so I did and they still have not removed all the old information and updated it with my correct information as requested in my letter. They are in full violation - willfully - of FCRA 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

None of the personal information that they are reporting on my credit is in fact accurate. It must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report.

It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts.

Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED.

If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report.

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act.

Please acknowledge receipt of this dispute within 4 days and provide updates on the progress of the investigation.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Card declines everywhere, even though I know the amount I am trying to spend is less than the balance, and that I am using it correctly. I tried to fix this to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of this dispute with the TransUnion credit bureau. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific account that I am requesting to be removed from my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>2024 I wrote to SYNCB/AMAZON XXXX via USPS Certified Mail , `XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and the Fair Credit Reporting Act, along with XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt XXXX to send specific written documentation validating the debt. Under section 2-190 of the Rules of the City of New York , validation requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

SYNCB/AMAZON XXXX received my letter and signed for it at XXXX XXXX  on XXXX XXXX, 2024 ( see USPS Tracking printout attached ) to which I received no reply. 

On XX/XX/year>2024 I wrote to SYNCB/AMAZON XXXX for the 2nd time via USPS Certified Mail, informing them of their failure to place a notice of dispute on my account within 30 days as required by federal law, citing the FCRA and FDCPA laws and even enclosing a printout of 623 - 15 U.S.C 1681s-2 clearly defining a data furnishers duty to provide notice of dispute within 30 days. 

I received a reply from SYNCB/AMAZON XXXX on or around XX/XX/scrub>, 2024, stating " no physical copy of the application is available ... '' and that the account was " charged off as a loss... and sold off to XXXX ... since [ SYNCB/AMAZON XXXX ] have reported accurate... are unable to delete or modify the status as reported '' totally ignoring their violation of Federal law which compels them, as a data furnisher, to add a notice of dispute within the timeframe required by law. This appears to be gross negligence and disregard for the law and for affected consumers like myself nationwide. If they are unwilling to cooperate, hopefully the CFPB and US Attorney General can induce a correction of their behavior.

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 2024-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this to help remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries.This unauthorized action is a violation of my rights under FCRA 604 and my right to privacy. Please contact the companies responsible for these inquiries and remove them immediately for non-compliance. The FCRA requires that the Experian and XXXX to follow up with the creditor. 
The following inquiries were not authorized for any permissible business purpose and should be revomed .XXXX XXXX XXXX XXXX XX/XX/year> XXXX AXXXX XXXX XXXX XXXX CREDIT UNI XX/XX/year> XXXX XXXX XX/XX/year> Also, please include in the removal this inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2024-11-18 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i have no knowledge of this account. this is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
I noticed I had 4 hard inquiries on my XXXX credit report Vanderbilt XXXX XXXXXXXX XXXX XXXX  twice, once XX/XX/year> and XXXX XXXX, XXXX XXXX XX/XX/year>. I would like for these hard inquiries to be removed. According to the FCRA, Unverified and unauthorized items must be removed.

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX - eq XXXX INQUIRIES : XXXX  XX/XX/year> XXXX XXXX I XX/XX/year>

Company response to consumer: Closed with non-monetary relief