vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the information related to the collection account reported by XXXX XXXX, appearing on my credit report with a balance of {$1000.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as XXXX XXXX XXXX XXXX XXXX '' is inaccurate and should be deleted from my credit report for several reasons. Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that a collection agency claims I owe. In this case, XXXX XXXX has failed to provide sufficient evidence that this debt is valid and legally enforceable. Specifically, they have not provided an assignment transfer from XXXX XXXX XXXX XXXX to validate that XXXX XXXX has the legal right to collect this debt. The absence of this critical document raises serious concerns about the legitimacy of this debt and its reporting. Secondly, the reporting of this debt may also be a violation of Section 623 of the FCRA, which requires that furnishers of information ensure the accuracy and completeness of information reported to consumer reporting agencies. Given that XXXX XXXX has not provided a detailed account history, including a clear chain of title proving that the debt was properly assigned or sold to them, the accuracy of this information is highly questionable. Moreover, under XXXX XXXX. XXXX ( a ) ( Section XXXX of the FCRA ), I have the right to dispute the completeness or accuracy of any item on my credit report. If, after investigating, the information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information. The lack of a proper assignment transfer document and the absence of other necessary validation renders this account unverifiable. Therefore, it should be deleted from my credit report. Given these strong defenses, I respectfully request that XXXX XXXX delete this account from my credit report immediately. I expect to see the deletion of this item from my credit file at the earliest possible opportunity, as it does not meet the legal standards for reporting under the FDCPA and FCRA. Please provide written confirmation that this account has been deleted from my credit report. Thank you for your attention to this matter.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The last time I was able to make a payment and access my account at Synchrony Bank was the first week XX/XX/year>. Since then I have not been able to gain access to my account to see when the next payment needs to be paid and what the exact balance is on the account. I have talked with Synchrony bank since the middle of XX/XX/year> and they will not or can not fix whatever is wrong. I feel there could be fraud going on but I can not tell because no one at Synchrony Bank will help. It seems they can be delaying doing anything so late fees will add up and I have no way of doing anything but trying to call them but their AI people eventually start sending you in circles so nothing is ever accomplished. They say to email them your concerns but in order to do that you need to log in to your account. When I try to log in, I get a message that my info does not match their info. How can that happen, I have had this account for XXXX  years? Hopefully you can help me or if you can not, please give me a name or email for someone that may help. I am at the point of reporting Synchrony Bank for fraud?

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 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2024 SHEPHERD OUTSOURCING XX/XX/XXXXRequest for Proof of Contract and Debt Validation Account Number : XXXX Reference XXXX Dear Shepherd Outsourcing, I am writing in response to your recent communication regarding the above-referenced account. I formally dispute the validity of this alleged debt and request that you provide me with concrete evidence that I owe this debt to your agency. You sent me a copy of the payment history with a different company name. You did not provide any of the documents that I requested. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to request and receive evidence of the existence of any agreement or contract between your agency and myself. Therefore, I demand that you provide me with the following : A copy of the contract or purchase agreement with your company XXXX XXXX. Please provide a legally binding contract or purchase agreement that I signed, demonstrating my obligation to pay your agency. Not a payment history with previous Company. 

XXXX. Proof that I owe this debt to your agency : Documentation that clearly shows that I owe this debt specifically to your agency. 

XXXX. Proof of your legal standing : Documentation that proves your agency 's legal authority to collect this debt, including any assignment or sale of the debt from Your Company Shepherd Outsourcing. 

I want to make it clear that payment history or an itemized statement of the account is irrelevant to this request. I am not asking for a summary of the account ; I am asking for the actual contract that binds me to this debt, and evidence that you have the right to collect this debt from me. 

If you can not provide the requested documentation, I will consider this debt invalid. Furthermore, you must cease all collection activities, including reporting this debt to credit bureaus, until this matter is resolved and you have furnished the requested documentation. 

This letter does not constitute an acknowledgment or acceptance of any debt, and should not be construed as such. If you are unable to provide the necessary documentation, I expect you to remove any references to this debt from my credit report and cease any further collection efforts. 

Please respond within 30 days of receiving this letter. Failure to do so may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is currently a collection on my credit report for something i have no idea about. I have been trying to contact the company but got no response. Please remove this collection of {$31000.00} off my credit report before legal action is taken. I am not aware of this

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 2024-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc.
State: OH

Complaint narrative:
I GOT AN EMAIL TODAY THAT SOMEONE WAS USING MY SEZZLE ACCOUNT THAT I OPENED BUT NEVER USED. 

I COULDN'T CHANGE THE PHONE NUMBER WITH MY EMAIL. 

THE EMAIL CHANGED XXXX TIMES TO XXXX DIFFERENT EMAILS AFTER I TRIED TO REQUEST THE PHONE NUMBER. 

IT SAYS MY PAYMENT STREAK HAS RESET. 

I HAVE NEVER USED THIS COMPANY. 

I NEVER BOUGHT ANYTHING WITH IT. 

THEY HAVE NO LIVE SUPPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been blocked from getting into my Experian account in order to place a new credit freeze. I was able to login and unfreeze it in order to sign up for a new credit card in XX/XX/year>. Since then I can not get back into my account and I am getting emails from Experian addressed to someone named " XXXX '' suggesting my account has been hacked. I am able to change my password but end up a in dark web pattern that prevents me from getting into my account. I end up on a page that says : " Sorry, there was an error.Click here to sign-in if you already have an account.Do n't have an account? Learn more about our services. 
Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' However, there is no way to talk to a live person. Experian holds my most sensitive data and they do not have a customer support line to speak to a live person and none of the automated phone calls lead anywhere helpful. 

It is very unnerving to have a company that holds my MOST sensitive information and security card number and have no recourse in the event of an account hack, being blocked from getting into my account and put my credit freeze back when everyone 's social security numbers have been breached. 

When I got so fed up and thought the only option was to just cancel the account, the automated system sent me to another automated system and the word " Cancel '' was not even understand - so there seems no way to cancel an account that I'm concerned has been compromised. I have not tried sending them a letter in the mail because I have no faith anything would come of that wasted time based on my experience online.

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 2024-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Account # - XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agency has no authority to furnish any account to the consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I demand XXXX Cease & Desist all communication with me in regard to this debt, or any debt that you allege i owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and Attorney General. Please be aware that going forward, after this notice, any communication from your company may be recorded to be used as evidence for my claims against you. Please also be advised that any negative information appearing on my credit report pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. 

Best Regards, 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 2024-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/year> I seen that a collection was added along with a address was added to my credit through Fair Collections & Outsourcing. I have dealt with them around XXXX of XXXX  because of identity theft I told them that this is the same situation but they told me they have to still investigate the matter. They know I have never stayed in XXXX XXXX XXXX because I didn't stay in the other place they said I stayed at. They said they had my account since XXXX & they been trying to reach out to me through mail at the address of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX but once again i dont know stay there! This account was open fraudulently & I want it off ASAP.

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 2024-08-25 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: NY

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Formal Dispute Regarding Unauthorized Hard Inquiries [ TransUnion File Number : XXXX or Social Security Number : XXXX ] To Whom It May Concern : I am writing to formally demand the immediate removal of unauthorized inquiries listed on my TransUnion credit report, as these inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681b.

According to 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a credit report when there is permissible purpose as outlined by law. I have reviewed my TransUnion credit report and have identified the following unauthorized inquiries that do not meet the permissible purposes defined under federal law : [ XXXXXX/XX/XXXX XX/XX/XXXXXXXX ] [ XX/XX/XXXX ] I have not provided any authorization for these companies to access my credit report, nor have I initiated any transaction or applied for credit that would allow these inquiries to be legally placed on my report. These unauthorized inquiries have caused harm to my credit profile, which is unacceptable and unlawful. 
I demand that TransUnion immediately delete these inquiries from my credit report as required by law. Failure to comply with this demand within the time frame set forth by the FCRA will leave me no choice but to take legal action. Additionally, I expect to be provided with written confirmation of the removal of these inquiries, as well as an updated copy of my credit report. 
This letter serves as a formal notice under the provisions of 15 U.S.C. 1681i. If these inquiries are not removed, I will be forced to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking monetary damages for willful noncompliance as outlined in 15 U.S.C. 1681n. 
I expect a response confirming the deletion of these inquiries within 30 days of receipt of this letter.

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 2024-08-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$10000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
We received a statement from the Management company regarding our HOA dues the statement showed all HOA dues are paid in full however the collection company did not record the payment as showed by the management company and filled a claim in superior court of XXXX XXXX GA stating the bill was not paid. We did not get a notice that such claimed was filed until a sheriff left a notice on our door that a civil action has been filed against us and a judgement was rendered that we owe {$8700.00} for association dues, court cost and attorney fee. 
I have made several attempts to contact the collection company and its attorney however, the attorney on record XXXX XXXX XXXX was very nasty and would not answer any of my questions as to how they arrive at the amount they filed the claim for. XXXX XXXX stated that he has place a levy on my house and if i do not pay his fees he would have a sheriff sale on XX/XX/XXXX the sell my house for {$8700.00} Attach you will find copies of the Management statement showing the paid Association dues. 
The agency does not credit the payment made to the HOA dues outstanding instead they made a line item and for payment received then bill attorney fee and not showing that such payment was made for dues as stated by the management record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
This student loan was transferred yet that are still reporting it as an active open account with a balance. As a result it shows I have a student loan with XXXX services causing my financial distress and damage to my credit. I disputed this with the credit bureau and they completed an incomplete investigation and didnt resolve the error. I have been patient with no resolve. The law guarantees my right to a fair and accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TN

Complaint narrative:
This student loan was transferred yet that are still reporting it as an active open account with a balance. As a result it shows I have a student loan with XXXX services causing my financial distress and damage to my credit. I disputed this with the credit bureau and they completed an incomplete investigation and didnt resolve the error. I have been patient with no resolve. The law guarantees my right to a fair and accurate credit 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 explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got scammed XXXX from a job that turned out to be a fake job. I sent my bank all the screenshots and the phone numbers and they said they cant help me. This happened XX/XX/2024 to XX/XX/2024. I filed a claim with my chase bank and they couldnt help me. Also my XXXX XXXX account didnt help me out either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I have reviewed my credit report because I am planning to buy a house, and I noticed that there are XXXX inquiries on different dates made by XXXX that I did not authorize. I want to clarify this situation and ensure that my credit report only reflects accurate information. '' MY DATE OF BIRTH XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with explanation