vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: MD

Complaint narrative:
XXXX Transunion and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further. 
You agree to pay all fee schedules. 
Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section 1 of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.

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 2024-05-24 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: MD

Complaint narrative:
Equifax XXXX and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.

Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section XXXX of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not accurate. 
According to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( b ) ( 5 ) Collection agency has not provided validated info but placed collection ( s ) on consumer report.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: AL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXX Amount {$440.00} XX/XX/XXXX XXXX acct # XXXX {$290.00} XX/XX/XXXX XXXX XXXX  acct # XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  acct # XXXX {$370.00} XX/XX/XXXX XXXX XXXX acct # XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$160.00}. 
XXXX XXXX XXXX XXXX {$110.00} I looked at my Experian report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file if the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
To whom it may concern, I just checked my XXXX credit report and I've come across a lot of unknown credit inquires and I never consented of this and don't recall. I refuse this to allow this to sit on my credit report when I didn't authorize any of these company to run my credit. All of these took action on XX/XX/year>. These companies and bank include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-05-24 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: FL

Complaint narrative:
To whom it may concern, I just checked my XXXX credit report and I've come across a lot of unknown credit inquires and I never consented of this and don't recall. I refuse this to allow this to sit on my credit report when I didn't authorize any of these company to run my credit. All of these took action on XX/XX/year>. These companies and bank include XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I just checked my experian credit report and I've come across a lot of unknown credit inquires and I never consented of this and don't recall. I refuse this to allow this to sit on my credit report when I didn't authorize any of these company to run my credit. All of these took action on XX/XX/year>. These companies and bank include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: WI

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
" " I am not demanding verification or validation of this account. The account listed should be updated to on time as they should be as I was NEVER late "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate names, addresses, and employment information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These names, addresses, and employment information : NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Tx XXXX. EMPLOYMENT INFORMATION : XXXX XXXX, XXXX Automotive Parts. According to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( c ) ( 4 ) ( l ) have not been given the chance to dispute 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 2024-05-24 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: NV

Complaint narrative:
I opened a Care Credit account through Synchrony Bank in XX/XX/XXXX and scheduled automatic payments. At that time their webpage said I could set up automatic payments up to 1 year, so I did this. In XXXX and XXXX, auto payments were taken out, however, starting in XX/XX/XXXX, they stopped. I did not realize this until 2 months later when I received my statement in the mail advising I owed them late payment fees. ( I originally had the statements electronically sent. ) I called Care Credit ; I spoke with a nice lady, and she explained to me that somehow my automatic payments did not set up, she would set me up for automatic payments, ( this is supposed to have all been on a recording ), and that I needed to pay {$77.00} to bring my account up to date, which I did. 
Now, for XX/XX/XXXX, the auto payment did not come out of my checking account, ( it was due on XX/XX/XXXX ), because, again, no automatic payment schedule is set up. I called this morning at XXXXXXXX XXXX. ( PST ), I spoke with someone that I could not understand, but he said, again, that he had no record of my automatic payment scheduled, and he too advised he would set up automatic payments, again, and this was also recorded, but that I still had to pay the late fee of {$41.00}. I asked him to explain to me why automatic payment schedule was removed again from my account, and he said he could not say, so he transferred me to another representative who placed me on hold for XXXX hr. XXXX min. and never returning to the phone. I called back at XXXX spoke with another woman who again placed me on hold, this time for XXXX minutes but then hung up on me. 
I am totally frustrated ; I do not understand why they keep canceling my auto payments thus causing me to have to pay them {$41.00} in late fees. All of my other creditors have me on auto payments, I have never been late on any payments as you can see on my credit reports, and for some reason Care Credit keeps doing this to me. I think this is a scam of some sort to get late fees out of me. I have tried to get satisfaction from them, and I get ignored. This is the reason why I feel I should file a complaint as I can not seem to get any help from Care Credit/Synchrony Bank .

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with non-monetary relief