vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
Dear CFPB, I am lodging a formal complaint against Eastern Account Systems concerning their management of a debt collection account that they have listed on my credit report. 

On XX/XX/2024, I dispatched the enclosed letter to Eastern Account Systems to contest the validity of a debt they have been reporting on my credit profile. The letter was successfully delivered to Eastern Account Systems on Wednesday, XX/XX/2024, as evidenced by the attached USPS Tracking Receipt. 

For your reference, I have provided the account number and tracking number below, along with the delivery confirmation : Eastern Account Systems Account : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Tracking Number : XXXX Delivery Confirmation : Delivered to individual at XXXX XXXX  on Wednesday, XX/XX/2024 Despite my request for validation of the debt, Eastern Account Systems has not responded as of today, Thursday, XX/XX/2024, constituting a violation of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I have settled the debt directly with XXXX, the original creditor, and no longer carry any outstanding balance, as confirmed by the attached receipts and payment confirmation. 

However, despite the debt being fully resolved and a {$0.00} balance with the original creditor, Eastern Account Systems persists in reporting this debt on my credit report, as evidenced by the attached XXXX credit report. This erroneous reporting represents another violation of the FDCPA. Such inaccurate reporting is adversely affecting my credit score and causing unwarranted stress and inconvenience.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 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 These items NEEDS TO BE REMOVED ASAP AND SEND ME THE MAIL WITHIN 4 BUSINESS DAYS REFLECTING THE REMOVED ITEMS

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 2024-02-22 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.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. 

XXXX shows it's a closed account and Trans union shows it's an open account listed in my credit. This is inaccurate and must be removed my 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 non-monetary relief
Consumer complaint received 2024-02-22 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.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. 

XXXX shows it's a closed account and XXXX XXXX shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was billed at least past 4 months for late fees on the due date. I pay my chevron card in full each month within 5 days of due date ( and there are interest and late charges posted for at least the last 4 months - the girl I spoke to XXXX at chevron said she couldnt do anything. I noticed this same issue with my synchrony care credit account. On the due date I was being charged a late fee for the due date on that account too. They reversed the one month. Please see if all these late fees can be reversed. This isnt legal to charge excessive fees. Please help. XXXX XXXX XXXX XXXX. Thank you Synchrony Chevron XXXX XXXX XXXX XXXX synchrony care credit XXXX XXXX. XXXX credit card - fees were reversed but same thing late fee posted on due date. Thank you

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 monetary relief
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
I have contacted XXXX, Equifax, XXXX and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with Equifax since XXXX and since XXXX XXXX. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of XXXX has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt claim that has been erroneously attributed to me, as well as to address the incorrect reporting of this disputed debt on my credit report, which has unjustly impacted my financial standing. 

On XX/XX/2023, I received a collection notice from Credit Collection Services, alleging that I owe {$850.00} to a XXXX XXXX XXXX of the XXXX. This claim was both surprising and unfounded, as I have been a loyal customer of XXXX XXXX XXXX XXXXor the past XXXX years, with no financial obligations to any other insurance provider. Given my longstanding and exclusive relationship with XXXX XXXX XXXX  the assertion that I owe a debt to another insurance entity is both incorrect and misleading. 

In response to the collection notice, I immediately dispatched a letter to Credit Collection Services, categorically denying the debt as mine and requesting further verification of the alleged obligation. Despite my prompt and clear communication disputing the claim, I have recently discovered that this disputed debt has been reported to credit bureaus, subsequently appearing on my credit report. This action has not only damaged my credit score but has also caused me undue stress and potential financial harm. 

I am seeking the assistance of the Consumer Financial Protection Bureau to rectify this matter by : Investigating the practices of Credit Collection Services, particularly their process of debt verification and the precipitous reporting of unverified debts to credit bureaus. 
Facilitating the removal of the disputed debt from my credit report, restoring my credit standing to its rightful state prior to this erroneous claim. 
Ensuring that all entities involved adhere to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), protecting consumers from such unjust practices. 
I have attached copies of the collection letter received, my correspondence disputing the debt, and any other relevant documentation to assist with your investigation. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will act swiftly to address these discrepancies and uphold the rights and financial integrity of consumers like myself. 

Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
Identity Theft! There are accounts in my credit report that are not mine. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters! Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm is reporting a debt on my credit report that is not owed. They are reporting this debt as a charge-off. This debt should have had a XXXX issued when charged off in XXXX. This XXXX and charge-off change the dollar amount from the debt owed to income paid and can no longer be reported as debt nor included on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
5 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about : XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
5 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
About 3 weeks ago I received a XXXX form from Chase for {$960.00} I called customer service and was told to accept the amount, no explanation or breakdown of how the bank arrived at that figure.

I was told research would take 5 business days. Its been longer than that and no one has gotten back to me. I sent a message through online banking last week, and got a response that said I would get a response in 5 business days, it has been 6 business days. 
I need to do my taxes and with this problem I am unable to do them. The last 4 digits on the XXXX XXXX of the credit card account in reference is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TN

Complaint narrative:
Submitted 4 disputes to Equifax ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for a collections account. I was never billed or made aware of the balance by the original creditor ( a previous rental company ) and the balance includes a late fee for rent that was paid on time along with other Miscellaneous charges that are not calculated correctly. I have provided documentation showing this time with each dispute. The disputes ( except XXXX were " completed '' each time between 1 and 12 days without any backup to support why the charges are valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one auto finance I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent

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 2024-02-22 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: AL

Complaint narrative:
in accordance with the fair credit reporting act this creditor ( transunion, XXXX and XXXX  ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2024-02-22 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: CA

Complaint narrative:
The company changed the account status to charge-off back in XXXXXXXX XXXX XXXX The credit bureau keeps updating every month saying that the account is 90 days late but in a charge-off that is not a valid status or reporting. The account is 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 2024-02-22 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:
Adverse information is being reported on my account to credit bureaus. XXXX provided a letter to me stating no delinquencies have been reported. But Transunion and XXXX continue to report it after numerous disputes because they say XXXX is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.

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 2024-02-22 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: GA

Complaint narrative:
Adverse information is being reported on my account to credit bureaus. XXXX provided a letter to me stating no delinquencies have been reported. But XXXX and Equifax continue to report it after numerous disputes because they say XXXX is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Adverse information is being reported on my account to credit bureaus. Sync provided a letter to me stating no delinquencies have been reported. But XXXX and XXXX continue to report it after numerous disputes because they say Synchrony is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: 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 credit score 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: 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.

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 non-monetary relief