vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I dont have a contract with Debt collection agency synergetic communication. It was already disputed in past and was taking off from my credit report. But in XXXX was put back on to my credit report. 

File complaint number XXXX Which was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-10-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-24 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Transunion, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Transunion to verify in collection account information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Transunion to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.

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 2024-10-24 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX 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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of an auto loan from Chrysler Capital opened on XX/XX/XXXX and account number ( XXXX ), A utility account from bullcity financial opened XX/XX/XXXX acct number XXXX, A mobile phone account from XXXX XXXX XXXX opened on XX/XX/XXXX acct number XXXX do not recognize the aforementioned accounts or collection accounts. That is reported by XXXX, XXXX and XXXX was not made, initiated or opened by me. The aforementioned accounts are a result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Redfin Corporation
State: GA

Complaint narrative:
My properties were changed on XXXX  XXXX.. I paid XXXX XXXX extra for all of my houses plus the property tax. 
I was wondering if I could get my money back since they were now on the market and Im not sure how they were. I have more properties but wanted to start with these. If you can come up with a reasonable price we can come up with a proposed property decision. 

XXXX / XXXX / XXXX Account # XXXX Routing # XXXX XXXX contact for info or XXXX information!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BetterNOI, LLC
State: FL

Complaint narrative:
Company will not perform a complete re-investigation of my report. 

Screening reports stated that there using a XXXX XXXX report. That report had inaccuracies. 

Also, company is not authorize to CALL, EMAIL me asking random questions.

The company is authorize to provide me with a XXXX XX/XX/XXXX report through email. 

And to also use current information to do the re-investigation. 

I feel harassed. 

I submitted more then enough information for the company to perform a thorough re-investigate. 

I don't need to go back and forth through email. I submitted all of my requested. 

Here is there email response from XX/XX/XXXX : Thank you for contacting Screening Reports. We are reaching out to you with regards to the complaint filed with the CFPB. We would like further clarification on what information you would like removed from the report. The addresses and credit accounts noted on the report is the information reported by XXXX in XXXX. This includes the address that was noted on the application form that was filled out when applying to XXXX XXXXXXXX at the time. Are you able to clarify if you were a victim of identity theft and the reported information was a product of that? If so, we kindly ask that you provide us with a copy of the police report so that we can delete the affected information. 

Additionally, I would like to clarify that the " Eviction '' noted on the report is listed as dismissed so the report reflects that there was an eviction filing and that the case was dismissed. However if you have any court documentation regarding the dismissed eviction showing that it was expunged or removed we will gladly revise the information on the report if applicable. 

We are more than happy to assist you with this dispute process, I've attached a copy of the current report for your review. Please include your contact information so we can follow-up with you if we need additional information. 

Here is my response on XX/XX/XXXX : To whom it may concern, Please re-investigate my consumer/credit report for todays dated XX/XX/XXXX. 

The XXXX report from XX/XX/XXXX should be use in your investigation. 


Please Re investigate my report to the current XXXX report. 

Please provide proof that the information you are reporting is updated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Equifax responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Equifax, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Equifax to verify in collection accouunt information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Equifax to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: HI

Complaint narrative:
I am writing to bring to your attention concerns regarding the handling of accounts with write-offs and to request clarification on the relevant codes and statutes governing these practices.

Relevant Statutes and Regulations Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c, accounts that have been charged off must be reported accurately. Information reported must be complete and accurate to avoid misrepresentation on consumers ' credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : According to 15 U.S.C. 1692e, it is unlawful for debt collectors to use false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of accounts that have been written off.

Consumer Financial Protection Act : The CFPB is empowered to enforce regulations that protect consumers from unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ).

Treatment of Write-Offs as Income It is important to note that a write-off is often considered cancellation of debt and may be treated as income for tax purposes under the Internal Revenue Code. Specifically, according to IRS guidelines, if a creditor cancels or forgives a debt, the amount canceled is generally considered taxable income ( 26 U.S.C. 61 ). This has significant implications for consumers, as they may face unexpected tax liabilities resulting from debts that have been written off.

Potential Fines for Non-Compliance Failure to adhere to these regulations can result in significant penalties, including : Fines under the FCRA for inaccurate reporting can reach up to {$1000.00} per violation.

Under the FDCPA, violations can result in statutory damages of up to {$1000.00} per action, along with potential additional damages for actual losses incurred.

Request for Clarification I would appreciate clarification on the enforcement of these regulations, particularly regarding the responsibilities of creditors and debt collectors in accurately reporting accounts with write-offs. Additionally, any information on consumer rights related to disputing these inaccuracies would be beneficial.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-24 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: HI

Complaint narrative:
I am writing to bring to your attention concerns regarding the handling of accounts with write-offs and to request clarification on the relevant codes and statutes governing these practices.

Relevant Statutes and Regulations Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c, accounts that have been charged off must be reported accurately. Information reported must be complete and accurate to avoid misrepresentation on consumers ' credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : According to 15 U.S.C. 1692e, it is unlawful for debt collectors to use false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of accounts that have been written off.

Consumer Financial Protection Act : The CFPB is empowered to enforce regulations that protect consumers from unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ).

Treatment of Write-Offs as Income It is important to note that a write-off is often considered cancellation of debt and may be treated as income for tax purposes under the Internal Revenue Code. Specifically, according to IRS guidelines, if a creditor cancels or forgives a debt, the amount canceled is generally considered taxable income ( 26 U.S.C. 61 ). This has significant implications for consumers, as they may face unexpected tax liabilities resulting from debts that have been written off.

Potential Fines for Non-Compliance Failure to adhere to these regulations can result in significant penalties, including : Fines under the FCRA for inaccurate reporting can reach up to {$1000.00} per violation.

Under the FDCPA, violations can result in statutory damages of up to {$1000.00} per action, along with potential additional damages for actual losses incurred.

Request for Clarification I would appreciate clarification on the enforcement of these regulations, particularly regarding the responsibilities of creditors and debt collectors in accurately reporting accounts with write-offs. Additionally, any information on consumer rights related to disputing these inaccuracies would be beneficial.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-24 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: NJ

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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