vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-07 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: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: MI

Complaint narrative:
Subject : Discrepancies in Reported Information Consumer Complaint I am writing to dispute inaccuracies in the credit reporting from Duvera Billing Services , LLC on my XXXX report. The investigation began on XXXX, and it concluded on XXXX. While XXXX correctly reported information, there are discrepancies in balances compared to XXXX. This inconsistency violates consumer protection laws, and I am requesting an immediate correction. I will submit proof of discrepancies for your review. 

Thank you for prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-07 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:
Ive called and sent letters to XXXX, XXXX and Equifax. I counted how many times each company violated my privacy ( 15USC6801-6805 ). XXXX had XXXX, XXXX had XXXX, and Equifax had XXXX violations. I sent them each a copy of my credit report with highlighted violations XXXX weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX XXXX XXXXXXXX I applied in store for a TJX Credit Card and was denied. Sychrony bank to issue with a previous store credit card for Sam 's Club. Please refer to compliant CFPB XXXX XXXX. As requested by XXXX XXXX Senior Specialist Corporate Consumer Relations Synchrony Bank I submitted a letter from XXXX XXXX XXXX  to Sychrony on XX/XX/XXXX. I had to continously resend this response letter to Sychrony bank since XX/XX/XXXX in XXXX, XXXX & XXXX of XXXX. In XX/XX/XXXX I was finally able to have confirmation from Sychrony Bank that they received the explanation from XXXXXXXX XXXX XXXX and that they would send a request to all 3 credit bureaus to remove the Closed Account of Sam 's Club from my report so that I would be able to re-apply for the TJX credit card. It is very important to me to receive this card because TJX Inc. is my XXXX XXXXXXXX However again I received a letter from Sychrony Financial about that Sam 's Club Credit card on XX/XX/XXXX that they had closed my Sam 's Club account due to : Possible reasons for this decision may include, but are not limited to, a lack of recent activity, account upgrade, delinquencies, or the use of a Credit Consumer Counseling Service. 

I don't understand why they sent this letter, since I did comply with their request to prove that the assumed NSF they received for two payments was through no fault of mine. I believe that Sychrony Financial is acting discrimatory towards me. I have not failed to have sufficient funds available for any payments to themXXXX XXXX XXXX XXXX has Justily taken ownership in their fault to release funds for payment. I have a credit rating of A+ and score over XXXX with XXXX XXXX XXXX XXXX XXXX XXXX I have received a Credit Card from XXXX on XX/XX/XXXX with a limit of {$7500.00} I also received a XXXX on XX/XX/XXXX with a limite of {$9500.00} I have XXXX XXXX, XXXX XXXX, XXXX as well. All used responsibly and providing 0 % interest rates. I have not used a Credit Consumer Counseling Service and I have no deliquencies. I did not have any deliquencies with Sychrony Financial either. They were always paid on time and my credit report reflected this. Sychrony Financial is discrimating against me personally soley over two additional payment attempts to pay-off the balance of my credit card and XXXXXXXX XXXX Defaulted and accepted responsibility for that action in writing. Which is what Sychrony required in their answer to the complaint mentioned above. I need them to honor their word, and stop blocking me from my application for a TJX Inc Credit Card.

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 2024-02-07 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:
This is my refiling complaint for TRANSUNION. I believe that inaccurate information about me is being reported. In my credit report from XX/XX/year>, I still see these erroneous information that I didn't know about. I discovered account with incorrect information, such as payment history, status, balances, and the date of the last activity, as well as late payments that had never occurred. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection, and a customer revealing organization can't outfit a record without my instructions. I have attached the FTC report number XXXX to support this complaint.

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 2024-02-07 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: MO

Complaint narrative:
On my Experian Credit Report I have 1 account in collections with XXXXXXXX XXXX XXXX with an amount of {$870.00} claimed to be owed to them. I have disputed this account and they come back with, " this account is confirmed ''. I have requested all documents and I received nothing. 

XXXX has sold this account to continually refresh the open date for a fresh 7 year debt collection process. On this account, as reported to XXXX it says " Date Opened : XX/XX/XXXX ''. It then says, " Date Reported : XX/XX/XXXX ''. Then the XXXX report says " XXXX XXXX  : XX/XX/XXXX '' which is 7 months before the account was even opened. 

I called them at XXXX on XX/XX/XXXX at XXXX XXXX, and was told that I was speaking with a Collection Agency, so the information on the XXXX report again is not correct. The collection agency then stated that the actual account was opened with XXXX originally in XXXX of XXXX, this is not what the credit report reflects. Then they said the address was XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was living on XXXX XXXX XXXX , yet the account and the debt is confirmed to be mine. 

I feel like XXXX is owned by the mob and they just keep selling the data and getting it pulled back into their office and the calendar of seven years restarts again, this is unethical and inaccurate information in complete violation of the Fair Credit Reporting Act. 

If it remains on my credit report, I demand to see the original loan application information for it to be verified by humans and not a computer program.

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 2024-02-07 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: MD

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 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ONCE AGAIN. My credit is messed up because of your companies lack of care or sense of urgency. Why am i just now getting approved for the partial claim when i initially put in the request in XXXX. Your 'protections ' of my credit until XXXX was an absolute lie. now my credit shows that i am over 180 days past DUE after signing the partial claim and because of your lack of urgency when it comes to taking care of your customers who by the way did not choose y'all in the first place. FIX MY CREDIT. my credit has dropped over XXXX points today because of y'all and the lack of you trying to fix your issues. PLEASE FIX MY CREDIT. do you know how much financial strain and stress you put on me when y'all do this??? THIS IS UNACCEPTABLE and FRAUDULENT AND INACCURATE INFORMATION. FIX MY CREDIT. I DID EVERYTHING i was supposed to do regarding the partial claim I DID NOT SLACK, i followed up ACCORDINGLY and no one ever had an update y'all are CRUEL. I pray there is not a time where i fall into another financial hardship and have to deal with the stress of people not doing their job. FIX 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 explanation
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
ONCE AGAIN. My credit is messed up because of your companies lack of care or sense of urgency. Why am i just now getting approved for the partial claim when i initially put in the request in XXXX. Your 'protections ' of my credit until XXXX was an absolute lie. now my credit shows that i am over 180 days past DUE after signing the partial claim and because of your lack of urgency when it comes to taking care of your customers who by the way did not choose y'all in the first place. FIX MY CREDIT. my credit has dropped over XXXX points today because of y'all and the lack of you trying to fix your issues. PLEASE FIX MY CREDIT. do you know how much financial strain and stress you put on me when y'all do this??? THIS IS UNACCEPTABLE and FRAUDULENT AND INACCURATE INFORMATION. FIX MY CREDIT. I DID EVERYTHING i was supposed to do regarding the partial claim I DID NOT SLACK, i followed up ACCORDINGLY and no one ever had an update y'all are CRUEL. I pray there is not a time where i fall into another financial hardship and have to deal with the stress of people not doing their job. FIX MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
ONCE AGAIN. My credit is messed up because of your companies lack of care or sense of urgency. Why am i just now getting approved for the partial claim when i initially put in the request in XXXX. Your 'protections ' of my credit until XXXX was an absolute lie. now my credit shows that i am over 180 days past DUE after signing the partial claim and because of your lack of urgency when it comes to taking care of your customers who by the way did not choose y'all in the first place. FIX MY CREDIT. my credit has dropped over XXXX points today because of y'all and the lack of you trying to fix your issues. PLEASE FIX MY CREDIT. do you know how much financial strain and stress you put on me when y'all do this??? THIS IS UNACCEPTABLE and FRAUDULENT AND INACCURATE INFORMATION. FIX MY CREDIT. I DID EVERYTHING i was supposed to do regarding the partial claim I DID NOT SLACK, i followed up ACCORDINGLY and no one ever had an update y'all are CRUEL. I pray there is not a time where i fall into another financial hardship and have to deal with the stress of people not doing their job. FIX 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2024, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address. 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 non-monetary relief
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
This is my refiling complaint for EXPERIAN. I believe that inaccurate information about me is being reported. In my credit report from XX/XX/2024, I still see these erroneous information that I didn't know about. I discovered account with incorrect information, such as payment history, status, balances, and the date of the last activity, as well as late payments that had never occurred. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection, and a customer revealing organization can't outfit a record without my instructions. I have attached the FTC report number XXXX to support this complaint.

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you regarding account number XXXX, which is associated with my name, XXXX XXXX. It has come to my attention that XXXX has been reporting this account to the credit bureaus as if it were an open account, despite it being charged off. I would like to bring to your attention that this practice is in violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, charged-off accounts should be reported as such, and they should not be depicted as open accounts. This misreporting can have significant adverse effects on my credit score and financial standing. Furthermore, I have not been provided with proper documentation associated with this charge-off, which raises concerns about the accuracy and legality of the reported information. 

Additionally, I would like to address the issue of documentation related to the charged-off amount. As per my understanding of IRS regulations, creditors are required to issue a Form 1099-C to debtors when an amount is charged off. However, I have not received any such form from XXXX, which could potentially lead to complications regarding tax compliance and reporting. 

I urge you to take immediate action to rectify the misreporting of account XXXX to the credit bureaus and to provide me with the necessary documentation associated with the charge-off. Failure to do so may result in further legal action to ensure compliance with the FCRA and other relevant regulations.

Company response to consumer: Closed with explanation