vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-07-24 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:
I am writing to dispute several accounts currently reported on my credit report. These accounts are not mine, and I believe they were added due to errors or possible identity theft. I request that you investigate and remove these inaccurate entries from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

The details of the disputed accounts are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX  According to the FCRA, credit reporting agencies must report only accurate and verifiable information. I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed are not mine, and I have never had any dealings with these creditors.

Identity Theft : I suspect that these accounts may have been opened fraudulently using my personal information. 



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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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

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

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

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

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had see on my credit report that my ban of America account was showing up was closed call to see why this was and they couldnt give me a reason why

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 2024-07-24 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:
Dear Experian, I am a victim of XXXX XXXX The information listed below, which appears on my credit report is the result of XXXX XXXX : XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$33000.00} ; XXXX XXXX XXXX {$4700.00} XXXX XXXX  : {$3500.00} Department of Education XXXX {$44000.00} Department Of Education XXXX {$10000.00} Department Of Education XXXX {$10.00} Department of Education XXXX {$3.00} Department of Education XXXX XXXX {$44000.00} ; Department of Education XXXX {$100000.00} Department of Education XXXX {$10000.00} Department of Education XXXX {$3500.00} Please block this information from my credit report within four business days pursuant to 605C of the fair credit reporting act. Please send me notification of the acts taken. I appreciate your prompt attention to this matter. 

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: FL

Complaint narrative:
Companies were utilized to pull my credit report without my knowledge which became hard inquiries and collections that made my credit score drop to well below XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NV

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Source Receivables Management regarding the collection account number XXXX. I dispute owing any and all debts to Source Receivables Management and request your assistance in resolving several issues related to their conduct and compliance with federal laws.

1. **Dispute of Debt** : I dispute owing any and all debts to Source Receivables Management.

2. **Communication Rights Revocation** : I hereby revoke all rights of Source Receivables Management to communicate with me through email, text, or calls.

3. **Request for Debt Validation** : I formally request debt validation for the aforementioned account. To date, I have not received any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ).

4. **Request for Purchase Agreement** : I request a copy of the purchase agreement between Source Receivables Management and XXXX XXXX XXXX XXXXhat validates their authority to collect this debt.

5. **Request for Removal of Collection Account** : I request the removal of this collection account from all credit bureaus as Source Receivables Management has not provided validation information and is in violation of my consumer rights.

6. **Licensing and Bonding Proof** : I have discovered that Source Receivables Management is not currently licensed to conduct business in New York State . I request proof that they are licensed and bonded to operate in New York State. 

Additionally, Source Receivables Management has placed a collection on my consumer report without providing the necessary validation information under 12 CFR 1006.34 ( b ) ( 5 ) and without giving me a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ). This is a clear violation of my consumer rights. They are also using false, misleading, misrepresentative, and deceptive means, further violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I seek your assistance in investigating this matter and taking appropriate action against Source Receivables Management for their non-compliance with federal regulations. I appreciate your prompt attention to this issue and look forward to a resolution. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXX I deposited around XXXX to XXXX dollars in an ATM at one of the branches that I was near at the time. When the machine was counting the money it showed an error and didn't deposit my money nor give it back. Instead it gave me a receipt stating to call their customer service number and inquire if the deposit went through. I called the customer service number and was told I would be credited the amount that I deposited but I felt like it wasn't going to be a quick process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I have a Vanilla Visa gift card, I had to refund this purchase I made through XXXX and they had given me a total refund for which was the amount spent which was about almost the whole XXXX XXXX its been a while so I dont know for how much it was and I cant check it because the card is currently on hold until they solve my dispute which seems to be going absolutely nowhere. XXXX had seemed to funded me at first my refund but it was for half the amount! I had called Vanilla Visa Customer service that day and they had told me to charge a dispute of course but it hasnt helped and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-24 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-07-24 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-07-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts in the letter 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
pLEASE INVESTIAGE ENCLOSED FTC REPORT NOTICE SOME HARD INQUIRIES AND COLLECTION ACCOUNTS ON MY EQUIFAX REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Once again Synchrony has failed to provide a mailed copy of my current Statement. It is now 2 business days to my Due Date. I've lost count of how often they do this.

I believe their practice is intentional, to either force me to enroll for eStatements or to fraudulently create Late Charges and Interest. I can only see statements on line if I enroll in eStatements and thus lose the ability to receive mailed paper statements.

The fact that they refuse to allow me to see or print a copy of the Statement online simply confirms that their intentions are disingenuous and not just simple negligence.

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 2024-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM FINANCIAL WAS SENT A 1099 C CANCELLATION OF DEBT XX/XX/year>. A 1099-C IS A CANCELLATION OF DEBT WHICH MEANS THERE IS NO DEBT AND THE DEBT SHALL BE REMOVED IMMEDIATELY UPON THE COURT ORDER 1099C FROM ALL BUREAUS FIRST, SECOND, AND OTHER AFFILIATES WHICH ARE AGAINST THE LAW TO REPORT ON A CONSUMERS REPORT. IT HAS NOT BEEN REMOVED AND ALL REPORTING BUREAUS HAVE THIS INFORMATION. PLEASE REMOVE THIS DEBT BECAUSE GM FINANCIAL HAS RECEIVED IT. PLEASE DO YOUR DUE DILIGENCE OF WHAT A 1099 - C IS.

Company response to consumer: Closed with explanation