vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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:
XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, TransUnion has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXXXXXX XXXX XXXXXXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. Discrepancies and Errors Across Bureaus TransUnion Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX  Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX Payment Errors : Has no late payments reported. Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have requested that this account be deleted and blocked I sent the police report and the FTC and also I sent my bill to show the address and information that you have is wrong also there are many mistakes on the account please take in consideration this is the second time I request this XXXX the fraud inquiries as well XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
I am disputing the account ( XXXX ) listed below and have attached the original dispute letter sent over XXXX days ago. Despite my dispute, your agency claimed to verify this debt. However, it is clear no proper investigation occurred, as your automated systems responded within seconds. Under the FCRA, you are required to verify the accuracy and validity of the debt within XXXX  days. I contacted the creditor directly, and they failed to provide the original contract or validation of my obligation. I have certified mail receipts proving my efforts, yet no evidence has been provided to confirm this is my debt. If the account ( XXXX ) can not be verified, you are legally obligated to remove it. Continued reporting of inaccurate information violates the FCRA, and I am prepared to pursue legal action for actual damages and defamation. Disputed Item ( XXXX ) : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I demand the immediate deletion of this account from my credit file to avoid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: CO

Complaint narrative:
I applied for a position as a Crisis Interventionist with XXXX XXXX, located in XXXX XXXX, Colorado. I was given an offer. I was instructed by the employer to complete a background check with checks.com on XX/XX/year>. After a few days I emailed XXXX on XX/XX/year> to voice my concerns about my background check taking so long. An earlier background check was completed by them and it only took XXXX hours. My concern was that something is going wrong and the company is not being transparent about it. I was sent an automated email which stated most background checks take XXXX business days. It is now XX/XX/year> and I have yet to hear from them. 

My potential employer informed me that they were waiting for information to come back from XXXX OH. However, I have never worked or lived in XXXX OH in my life. I attempted to contact XXXX to report this inaccuracy. However, there is no way to contact them. Thus I am filing complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Discovered this collection on credit report. 

Sunrise Credit Service {$400.00} I am entitled to this information under the Fair Debt Collection Practices Act ( FDCPA ). Failure to provide this documentation violates my rights and further collection attempts on an unverified debt could result in legal action. 

Details of the debt Including the specific amount owed and any associated fees. 
Calculation breakdown An explanation of how the claimed amount was determined. 
Documentation of agreement Copies of any contracts or agreements demonstrating my obligation to pay.

Verification of judgment A copy of any applicable judgment, if relevant.

Original creditor information Clear identification of the original creditor.

Statute of limitations confirmation Proof that the debt remains legally enforceable. 
Licensing proof Evidence of your license to collect in my state, including your license number and the name of your registered agent or agent for service of 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 explanation
Consumer complaint received 2024-11-15 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:
I am disputing the account ( XXXX ) listed below and have attached the original dispute letter sent over XXXX  days ago. Despite my dispute, your agency claimed to verify this debt. However, it is clear no proper investigation occurred, as your automated systems responded within seconds. 

Under the FCRA, you are required to verify the accuracy and validity of the debt within XXXX  days. I contacted the creditor directly, and they failed to provide the original contract or validation of my obligation. I have certified mail receipts proving my efforts, yet no evidence has been provided to confirm this is my debt. 

If the account ( XXXX ) can not be verified, you are legally obligated to remove it. Continued reporting of inaccurate information violates the FCRA, and I am prepared to pursue legal action for actual damages and defamation. 

Disputed Item ( XXXX ) : XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 
I demand the immediate deletion of this account from my credit file to avoid 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 2024-11-15 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: IL

Complaint narrative:
hard inquiries on my credit that i didnt do XXXX ( XXXX XXXX  XX/XX/2024 XXXX  ( XXXX ) XX/XX/2024 XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XXXX XXXX, 2024 XXXX XX/XX/2024 XXXX XXXX, XXXX XXXX XXXX, 2024 XXXX XXXX XXXX, 2024 XXXX XXXX A XX/XX/2024 2024

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 2024-11-15 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: NH

Complaint narrative:
This letter is a formal request regarding the student loan debt ( XXXX ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( XXXX ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, and XXXX Account Name : XXXX XXXX Account Numbers : XXXX, and XXXX XXXX. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( XXXX ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
XXXX. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within XXXX days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and XXXX also constitute fraud. If no response is received within the XXXX window, I will pursue all available legal actions to ensure compliance. 
XXXX. Correction of XXXX Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

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 2024-11-15 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: Granite Edvance Corporation
State: NH

Complaint narrative:
This letter is a formal request regarding the student loan debt ( XXXX ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( XXXX ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, and XXXX Account Name : XXXX XXXX Account Numbers : XXXX, and XXXX XXXX. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( XXXX ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
XXXX. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within XXXX days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the XXXX window, I will pursue all available legal actions to ensure compliance. 
XXXX. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was told my purchase would qualify for a 24 month no interest promotion if I signed paperwork that day. I did. The terms were going to expire shortly after. When the payment request came up, the terms were not honored that i had signed up for. I insisted on documentiopn in writing that they would honor the terms. They hesitated at first, but I did written documentation that they would honor the promotion. I was then told that when I paid, it would be set up at 6 months no interest and the store manage would change the terms himself with the powers that be. They informed me it may take XXXX or XXXX billing cycles to change to the honor terms. When it was not reflected on the XXXX cycle, I checked again and asked for the terms to be honored. They said they would check and get back with me, and I never heard from them again. I have just received my third billing statement, and the terms are still 6 months instead of 24, and now I'm realizing I was scammed, and will have to pay a {$5000.00} bill in the next 3 months, or have to pay a 30 % store interest rate. This company lied to me, and took advantage of me, and I have written proof that they would honor this promotion, and they just aren't. Please help!

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 2024-11-15 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:
XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, TransUnion has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXXXXXX XXXX  XXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. Discrepancies and Errors Across Bureaus TransUnion Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX  Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX XXXX Errors : Has no late payments reported. Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
Hello! 
I applied for a line of credit using XXXX XXXX XXXX XXXX program online. The credit was provided by Citizens Pay bank. I got approved for {$5500.00}. I made a purchase on XXXX XXXX using this program and, when the product got delivered, the shipping box and the product itself were damaged. I returned it. When I got the amount refunded, I made the purchase again. Even though, I had available amount on my account and had a confirmation call from Citizens Pay bank supervisor that I could make a purchase, XXXX XXXX cancelled it in several minutes after the order had been placed. 
I was calling Citizens Pay many times to resolve this issue, had conversations with multiple supervisors. They were giving me different reasons and time frames for the wait before I could purchase again. They were saying that I had to go through some clearance process in order to be able to use the credit again after every new purchase attempt. Once again I got a confirmation call from a supervisor that I was cleared and could make a purchase. But the same story happened again - my order got cancelled by XXXX XXXX. I called the bank and they said that I was not fully cleared for some reason. I went through this exact same situation XXXX more times. Still, neither Citizens Pay nor XXXX XXXX could help me to resolve this issue. 
I have spent so much time on the phone with customer service. I would just like this problem to be fixed and I want to be able to use the credit amount that I was approved for. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: ID

Complaint narrative:
On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX # XXXX XXXX XXXX XXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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