vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : CFPB Case XXXX CreditAccount Number Ending in XXXX XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ) . I appreciate you bringing this matter to my attention.I sincerely regret any dissatisfaction this matter may have caused you. Your concerns are important to us, and we strive to serve our customers in a timely and satisfactory manner. Synchrony Bank has complied with the terms of the PayPal Credit account. Therefore, your request fordebt forgiveness has been denied.The last payment Synchrony Bank received was on XX/XX/XXXX for {$13.00}. On XX/XX/XXXX, your PayPal Credit account was charged off as a loss in the amount of $ XXXX a result of non-payment. We understand certain circumstances may prevent our accountholders from fulfilling their minimum payment obligations. Additionally, we remain compassionate and understanding to the needs of our customers, and we will work with you directly in order to resolve your financial situation. If you wish to discuss customer assistance plans available to you, please contact our recovery department at ( XXXX ) XXXX.Alternatively, you may also have the option of utilizing a consumer credit counseling service ( CCCS ) . A CCCS is a non-profit community organization supported by voluntary contributions made by participating area businesses. A CCCS helps consumers who need advice on how to handle money, develop a budget or use credit wisely. These services are strictly confidential. CCCS counselors are professionals trained to help people deal with consumer credit problems. Customers can locate the nearest CCCS office by calling ( XXXX ) XXXX or visiting XXXX you for the opportunity to respond to your concernsraised through the CFPB. If you have additional questions regarding this matter, contact me at ( XXXX ) XXXX, extension XXXX. I welcome the opportunity to assist you.Respectfully, XXXX XXXX Senior XXXX Corporate ConsumerRelationsSynchrony BankAttn : IID XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau

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 2024-09-26 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: OH

Complaint narrative:
The vehicle in question was involved in an accident that I was found to be not at fault. The car was totaled out and paid by XXXX XXXX. The information reporting to the credit bureaus is incorrect. The account should be showing as closed and the remarks are incorrect as this was not apart of a repossession. I have requested this information to be updated and removed and have had no luck.

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 2024-09-26 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: OH

Complaint narrative:
The vehicle in question was involved in an accident that I was found to be not at fault. The car was totaled out and paid by XXXX XXXX. The information reporting to the credit bureaus is incorrect. The account should be showing as closed and the remarks are incorrect as this was not apart of a repossession. I have requested this information to be updated and removed and have had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: OH

Complaint narrative:
The vehicle in question was involved in an accident that I was found to be not at fault. The car was totaled out and paid by XXXX XXXX. The information reporting to the credit bureaus is incorrect. The account should be showing as closed and the remarks are incorrect as this was not apart of a repossession. I have requested this information to be updated and removed and have had no luck.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-26 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian, XXXX, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

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

Sincerely, 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 2024-09-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX, Transunion, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

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

Sincerely, 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 2024-09-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX, XXXX, Equifax Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of consumers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
EQUIFAX, XXXX, XXXX have violated my rights. 
THE ADDRESSs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is : 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. 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. 
I demand these addresses be removed immediately with an updated copy of my report mail to me for conformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I tried calling NetCredit and spoke to XXXX. I requested that they please drop those XXXX late remarks on my credit report. When I was speaking to a loan XXXX ( XXXX XXXX ) at XXXX, he said they have put that comment on my report XXXX times now, and will probably be the XXXX time next week. He said that is just punitive and unnecessary. I asked XXXX if they could change the first XXXX to 90 days late and drop the rest. XXXX insisted there was nothing he could do. I'm really trying to get a loan so I can get all my creditors paid off completely and just have XXXX payment to make so I can possibly breathe again. XXXX XXXX said he had another client with pretty much the same issue. He told him to call the company and request what I did. I was told that the company totally cooperated and fixed his credit report so he could get his loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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