vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I received a letter from Transworld Systems Inc. reference number XXXX account XXXX for the amount of {$1400.00} that I do not owe. I asked to dispute the amount and to have the itemized bills sent to me so I can match up my payments made on this account.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.I AM NEVER LATE IN THIS ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-01-24 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: OH

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of these unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, After consolidating my XXXX loans with XXXX, my credit report shows double the XXXX  loans that I should have. We are in the process of purchasing a home which means this has hurt our debt to income ratio with our mortgage loan processor. We need these loans removed as soon as possible. 

I have contacted representatives at Experian, XXXX, and XXXX. 
XXXX explained that they sent the appropriate documents to Experian showing my loans were paid in full. This would mean I should only show XXXX  loan balances with XXXX. 

After contacting Experian multiple times, they said they had not received any paperwork from Experian and have opened up multiple disputes on my behalf. 

I do not understand where the bottleneck is coming from, but one of these companies is not processing my updated XXXX XXXX XXXX. I need assistance in figuring out which company it is in order to correct my credit reporting with Experian and all credit reporting agencies and improve my debt to income ratio. Is this something your office can assist with?

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Not too long ago I reviewed my credit report and was sent into a deep XXXX when I saw the accounts that were being misrepresented on my credit report. The bureau is clearly not doing their due diligence to ensure that whatever is being reviewed and reported by them is 100 % accurate and this is taking a huge toll on my personal life and need this fixed so I can get my life back on track.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I'm requesting that Executive Leadership at Credit Acceptance Corp review this complaint and I'm seeking that an EL Team official respond to this issue. This Auto Loan account was opened XXXX XXXX, XXXX. The account was charged off and XXXX XXXX XXXX XXXX XXXX was the debt collector ( Exhibit Letter XXXX XXXX XX/XX/XXXX ) and the case was dismissed. The account has been charged off. A debt collector collected the debt and documented that the account has been satisfied paid in full. I requested through XXXX for the 7 plus year old charged off debt paid in full to a debt collector be removed from XXXX, XXXX, and XXXX. Credit Acceptance Corp has did opposite of that and it is clear. How can this be explained that now I have a balance of {$3900.00}, from an 7 plus year old account that was charge off for Credit Acceptance Corp tax purposes that was paid in full to the debt collector and I now have a balance of {$3900.00}, because I have filed numerous complaints with CFPB regarding this issue and requested through XXXX to have this item removed because it is affecting my XXXX  score. I have been trying to resolved this issue to have this 7 year old charge off debt paid in full removed from my credit file and now with this new information that I owe my XXXX  score has decreased.

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 2024-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the reporting of account XXXX. It has come to my attention that your company has reported inaccurate information to the credit reporting agencies, which is a direct violation of my consumer rights. 

The account in question was paid in full in XXXX, and it is erroneous that XXXX XXXX is reporting the date last active as XXXX. This discrepancy misrepresents the accurate information regarding the account status and activity. 

Furthermore, there was a prior agreement that this account would be removed from my credit report upon payment. Despite this agreement, the company has failed to uphold its commitment, resulting in a direct violation of my rights to have a fair and accurate credit report. Lastly this company is nonexistent, so there is no way that you could have verified this information. I have called the number provided and googled the address and the company is XXXX XXXX, so Equifax and XXXX are reporting inaccurate information. 

I am formally demanding the immediate removal of account XXXX from my credit report. This removal should be completed within 30 days from the receipt of this letter to avoid further legal action. It is imperative that your company rectifies this situation promptly to ensure compliance with the FCRA. 

Please consider this letter as an official notice of my intent to pursue legal action if the requested removal is not executed within the specified timeframe. I trust that you will take this matter seriously and take the necessary steps to address this issue promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: MN

Complaint narrative:
Take a moment to review the attached documents. I am formally requesting the removal of this account, as it is not associated with me, and its inclusion on my credit report is causing profound disappointment.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had an XXXX balance on my Discover Card. I decided to pay it off completely. As soon as I did that they froze the card and asked me for my XXXX  documents. And then froze my card for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Attorney General XXXX XXXX XXXX  # XXXX, Attorney General XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # xxxxxxXXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under XXXX5 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the 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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
XXXX XX/XX/year> I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent CONSUMER PORTFOLIO SERVICES INC, a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car XXXX. ( 5 ) To go to the XXXX website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : 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.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXXXXXX XXXX XXXX XXXX in check form to XXXX XXXX XXXX XXXX ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & XXXX  AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
DONE IN GOOD FAITH ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dear Comenity Bank Dispute Department, I trust this communication finds you well. I am writing to express my continued concern regarding the handling of CFPB complaint XXXX, specifically related to account XXXX. 

As previously communicated, I brought to your attention that this account is beyond the statute of limitations in the state of Texas, and your initial response indicated an intention to submit a cease and desist for the mentioned account. However, it has come to my attention that the account, which is already closed, still reflects a balance being reported. The statute of limitations expired in 2019, and as such, there should be no outstanding balance on an account that is legally uncollectible. 

Despite my efforts over the past three months to rectify this situation, there has been a notable lack of progress, and the continued reporting of an inaccurate balance raises serious concerns. This extended period of non-compliance is unacceptable, and I wish to emphasize the gravity of the situation. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 616 and 617, I must make it clear that your company 's persistent non-compliance has legal implications. I am diligently maintaining a record of our communications, and I am moving forward with seeking relief and monetary damages since this matter was not promptly and appropriately addressed. 

In light of the gross misconduct and non-compliance with the FCRA, I demand the immediate removal of account XXXX from my credit report. The account is attached to this complaint to show your company 's negligence by still reporting a balance 4 years after the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I am writing to address a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the reporting of account XXXX. It has come to my attention that your company has reported inaccurate information to the credit reporting agencies, which is a direct violation of my consumer rights. 

The account in question was paid in full in XXXX, and it is erroneous that XXXX XXXX is reporting the date last active as XXXX. This discrepancy misrepresents the accurate information regarding the account status and activity. 

Furthermore, there was a prior agreement that this account would be removed from my credit report upon payment. Despite this agreement, the company has failed to uphold its commitment, resulting in a direct violation of my rights to have a fair and accurate credit report. Lastly this company is nonexistent, so there is no way that you could have verified this information. I have called the number provided and googled the address and the company is XXXX XXXX, so XXXX and Transunion are reporting inaccurate information. 

I am formally demanding the immediate removal of account XXXX from my credit report. This removal should be completed within 30 days from the receipt of this letter to avoid further legal action. It is imperative that your company rectifies this situation promptly to ensure compliance with the FCRA. 

Please consider this letter as an official notice of my intent to pursue legal action if the requested removal is not executed within the specified timeframe. I trust that you will take this matter seriously and take the necessary steps to address this issue promptly and effectively.

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 2024-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent an letter on XX/XX/XXXX regarding the inaccurate information being reported on my credit report. The letter was delivered to Experian on XX/XX/XXXX ( tracking number : XXXX ). The letter stated I was disputing the affirm accounts that was being reported late. On XXXX XXXX I received a letter from Experian that was dated XX/XX/XXXX in which it stated the investigation of my dispute was complete and the accounts matched the disputed request. I called the same day to speak with an representative to understand what the letter meant. According to the letter the accounts shouldve either been marked as never late or removed if the item already matches the dispute. But to my surprise the representative said she had no record of the account being disputed nor did she see the original letter of the dispute which shouldve been uploaded. She also stated she wasnt sure why I received a result letter without it being disputed ( which was the only thing she could see regarding the dispute ). So I asked to speak with another representative in which she also said the same thing and only could open the dispute again and I would have to wait up to 30 days to receive the results. Experian has violated my right under the FCRA to dispute incomplete or inaccurate information by not investigating the items that Ive stated to be incorrect. I will attached the letter I received that shows the report number as well as the results for an dispute that was never disputed. I also will be getting in contact with an lawyer to see the steps that can be taking due to my rights being violated

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 2024-01-25 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:
Please provide me with exact documentation and processes you have used to validate this information. I request that you provide me with proof of this alleged payment being late. Please provide your method of validation on how you are reporting a collections with a past due amount as accuate.

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 2024-01-25 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: CA

Complaint narrative:
Please provide me with exact documentation and processes you have used to validate this information. I request that you provide me with proof of this alleged payment being late. Please provide your method of validation on how you are reporting a collections with a past due amount as accuate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Total Card, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX  and XXXX, which share people 's financial information, must be fair and respect my privacy. 
Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. 
There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. 
One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. 
Thank you for understanding. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation