vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unrecognized Debt and Request for Verification To Whom It May Concern, I am writig to formally dispute a debt that I recently discvered. I have not been previously notified of this debt and have not had the opportunity to dispute it. I request a thorough investigation as it appears my consumer rights have been violated.

I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. Please provide evidence that this information was supplied to me as required by this regulation. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about this debt or my rights to dispute it. The absence of proper notification violates this provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case.

I requet that you provide me with the certified mail receipt, including my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified. 
I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this mater is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
SincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BIRK CORPORATION
State: IN

Complaint narrative:
My issue is with a company called Procol Inc, in XXXX Indiana. Ive many complaints about the owner and one who represents them during court proceedings. 

For one, they issue a summons but dont carry out the court in courthouse, but in building across street. Its not a courthouse and there is no notice or signs. In this Annex type building Procol has what seems to be permanent room, which you are not allowed to bring a lawyer or anyone with you nor record anything, I really feel its so hes not held accountable for what he says. 

I dont remember exact date atm, but I will look for it, but last time I met with XXXX XXXX he got to yelling very loud and told me to get out. He didnt want to setup another court date or accept the payment I had for him at the time. I tried to make sure that anyone in office up front would be able to witness and remember those events. It had been almost 2 years maybe and now it seems as of yesterday I missed two court dates. 

however- They had my upto date info and still send court summons to old address cause he knew I would not receive them til late. And he is very verbally abusive during meetings, often by being cruel and offensive based on financial and lifestyle situations. I remember how he yelled at me for being homeless cause of my fianc at time left me for another man so he made sure to let me know she was with someone else and it was absolutely uncalled for. Seems everyone that meets with this company ( Procol , Inc & Thomas Birk ) I apologize for not having the exact date of my last meeting, Im gon na attempt to find more info. 
I wish I knew of your services years ago cause it would of been helpful. 
Thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-06-13 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 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 XXXX days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX  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!

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 2024-06-13 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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. 


I have requested proof that this information was mailed or delivered XXXX 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!

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 2024-06-13 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: MN

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I opened a Square account for my new business, invoiced a client for {$5000.00}, then immediately after the payment cleared via ACH, was told my account had been deactivated and they do not need to provide a reason. I was unable to access my money and now have been told the funds are being held for 180 days, again with XXXX explanation as to why. My business is registered and completely legitimate. The customer did not file a dispute or anything even remotely close to that. It was a normal sale. After trying to reconcile this with their customer support, no progress has been made. I attempted to refund the money to my customer, after Square told me I could do so, and it would not process. Square then changed their response and told me I could not issue the refund and I can not have access to my money for 180 days. This situation is bankrupting my new small business before it's even had a chance to start. I am a XXXX XXXX and am in complete shock that this practice is allowed in our country. This is literal theft and Square is banking on the interest from my {$5000.00} for the rest of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: VA

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX The current owner now is Midland Credit Management Inc XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

This company accused me of purchasing A velocity Rim/ wheel back in XX/XX/XXXX. The account was charged off to midland credit management in XX/XX/XXXX according to the letter sent to me. The total amount claimed is {$3200.00}. 

The address the individual used was XXXX XXXX XXXX XXXX TX XXXX. I have never been to XXXX and I do not know where XXXX is. everything this company sent to me does not have nothing to do with me. The address is not mine, the bank account is not mine, the phone number they have on file is not mine. 

Each time they called me, we keep dragging all these over the phone as I have always tried to make them understand that I do not know what they were talking about until I received a letter requesting I appear in court in XX/XX/XXXX. After showing the judge all the addresses I've lived which I obtained from XXXX and XXXX plus my credit report which does not have such the report on it, The judge told me that this sounds like a identity theft issue. He instructed me to go get a police report and he will see me within XXXX to XXXX days after their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In late XX/XX/2024 as a college student, I had a pressing need to make a tuition payment due to complications with my Federal Student Loan. In order to expedite the payment process, I borrowed {$12000.00} from my grandfather. Shortly after that, I attempted to pay him back by transferring money from my online Synchrony savings account to my own XXXX  XXXX XXXX account. I complied with Synchrony 's requirements for the verification process and completed those successfully. Everything seemed fine until I tried to execute the transfer. I unwittingly answered one of the security questions incorrectly, and Synchrony Bank denied the transfer. After multiple attempts to once again execute the transfer, Synchrony Bank placed a restriction on my savings account and denied me the ability to transfer from my own savings account to my own checking account. Since that time, I have made multiple attempts to simply access my account with Synchrony online and I have been unable to successfully log-in despite repeated attempts, most recent attempt today. It's important to note that all of these unsuccessful attempts have included direct telephone conversations between Synchrony agents and me. Obviously, the situation has placed significant economic stress on me as a college student who has bills to pay. In conclusion, I am filing this complaint because frankly, I do not know what other alternatives I have. Thank you in advance for your assistance.

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 2024-06-13 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: GA

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
In my last Dispute to the credit bureau Ive given a warning notice that bureaus are not in compliance with the law in truth in lending by reporting non public information like transaction history which is illegal via U.S. 1681a I have also sent opt out letters to creditors that are reporting negative information to Credit bureaus credit bureaus are in major danger of Fraud and bad business practices as that are allowing information I opted out from to be reported on my consumer report I have now even opted out of Equifax, XXXX, XXXX and XXXX for ever disclosing non public information and transaction history and will show proof of opt out below bureaus have one final chance to remove 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
after various attempts i had some items removed off of my XXXX XXXX and TransUnion report. they were gone for some time and have recently appeared negatively impacting my credit score. there are also accounts showing different information. I've filed several complaints ; you can check my activity log and there you will also find the steps I have taken in the past the remedy the issue prior to this one. there is a lot of incorrect and misreported information and no company in question has submitted a wet signature, or produced documents to me that prove the items are actual. the following is from a previous complaint. the accounts involved are the same for this new complaint. ( ( in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN # and signature. INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : TRANSUNION 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 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  ) I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Thank you ) ) the following can be used to reference and locate previous evidence which in fact support the new claim 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