vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 62XXXX ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received an alert I got new credit inquiry from Sheffield Financial on XX/XX/2021. I have no knowledge of this request. Can you please remove it?

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed by a mortgage lender that a error was shown when trying to pull my credit report from Equifax. This error mentioned the information has been identified as fraudulent. I and the bank attempted to call Equifax to identify the source of this error and get it removed. Equifax through its verification process could not locate my file within their system even with my name, social security, and number. The representative admitted that I was not in their system. The representative could not answer how it was possible that my report was flagged with an error if my file could not be located. Equifax refused to connect me with someone with more knowledge on the details of the error. My lender can not proceed because the error was flagged as fraud could not proceed with my lending process. Equifax defaulted to placing a fraudulent error on my information when it was attempted to be pull by my bank which then proceed in me not being able to receive a loan. My was told that the credit report is an official document that the bank can not ignore when it flags as fraudulent, but Equifax wrongly flagged my information when it was attempted to be pull as thus is not acting in its official duty as credit monitoring and reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I just received my credit report and noticed unauthorized activities that should not be on my credit report.This has been a stressful time during the pandemic outbreak.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my credit report from your bureau and found out that there is/are incorrect information stating that I was paying late. Ive never been late and always paying on time. I hope you can update or correct this information on my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Found out that these is incorrect information listed under my name and I was never been late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
All 3 credit bureaus have a debt listed under my name for a cable bill from XXXX services for a house in North Carolina. I live in Maryland, and I have never lived in North Carolina. Also, the name on the bill is not my correct name. This bill was sold to a collection agency called I C SYSTEM for the amount of {$530.00}. Their contact info is : IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. 

I have called them and disputed the claim and they refused to remove the debt from my credit report. I have disputed this information with XXXX and the debit was not removed from any of the XXXX credit reports other than notes saying : Account information disputed by consumer, meets FCRA requirements. How do you dispute a bill that does not belong to you when the period in time the bill was accrued you did not live in the state in which it was accrued, never lived their. Lived in MD for over 25 years. Never owned property outside of Maryland. Also XXXX does not operate in Maryland ... Seeking help taking this false debt collection reporting off from my XXXX credit reports. This is gross abuse of my civil rights

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 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my XXXX XXXX has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. " The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXX XXXX and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2022 I purchased hearing aids at Sams Club. I was offered an interest free loan to be paid off within 2 years. I received a letter in the mail from Synchrony Bank on XX/XX/2022, advising me that the monthly payment would be {$120.00}. I admit that I did not read the entire letter, but thought the amount they quoted was too small to be completed in 24 months. Therefore, I took the total amount owed ( {$3800.00} ) and divided it by 24 months to determine if the amount was correct. The monthly payment to avoid the interest would be {$160.00}. Although the letter states further down that the monthly payment would not satisfy the waiver interest, many people, especially the elderly, would not go past the statement of their monthly payment and eventually would be required to pay the interest. Although this may be legal, it seems very dishonest 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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, 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 was checking my credit report and I saw that I have negative information on my account. Where is account come from. I believe that someone used my personal information and apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
HYUNDAI FINANCE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, It is a violation to re-age a collection account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Im so embarrassed and apologetic for my recent behavior with one of the customer service representatives at American Express. I am suffering from severe XX/XX/XXXX and XXXX brought on by the pandemic. Im in the corporate events space and was let go two years ago and unable to find work in my career due to no one attending conferences. My wife was recently diagnosed with an XX/XX/XXXX called XXXX XXXX which is preventing us from having a XXXX  child, XXXX dropped my home due to a puff back claim from soot damage caused by a fireplace in the home, my mom is in severe pain suffering from XXXX XX/XX/XXXX, has never met her grandson, wasnt at my wedding and XX/XX/XXXX because of the pain and emotional suffering. Im trying to manage the soot clean up and find an insurer to replace XXXX as Im being dropped do to claims history. XX/XX/XXXX XXXX, XXXX, The car dealerships, sons school and camp, every home service provider, XXXX, XXXX, XXXX, the XX/XX/XXXX storing my sons blood, pharmacy all have my American Express card for billing purposes and everything is set up through auto pay. I have never missed a payment and never had an issue with American Express over the past 25 years. 

Im so apologetic that nothing like what occurred will EVER occur again. Since my card was cut off my life is spiraling out of control, and I want to regain control. Im begging you for forgiveness and mercy. No situation or circumstance should have brought about my language, and it will NEVER happen again. Im begging to PLEASE be reinstated as a customer. I would like to move my rewards points over to one of your hotel partners as well. 

My wife, who is a newly minted physician at New York XXXX XXXX XXXX, was unable to pay to automated parking garage fee last night with the AmEx card I provided her. I was unable to purchase XX/XX/XXXX with my card last night prompting me to call only to find out that I was cancelled as a customer after a loyal 25 plus years. We have no other credit cards as my entire life was set up with AmeEx through automated bill payments. My XXXX XXXX XXXX has a tuition payment due, a camp payment due, HVAC work that needs to be paid off. 

Im begging to please be reinstated. I no longer live in XXXX so please reach me by email or a call would be most appreciated. 

Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX, this company has been reporting me " 30 Days Late '' to the credit reporting agencies. This started in XX/XX/XXXX. They never sent me a notice of the issue at hand. Instead, they just started reporting me without notification. This is in violation of the Federal Credit Reporting Act. I've sent numerous letters with no written response from the company. I've filed complaints with : XXXX, CFPB, CALIF. State Attorney General in XXXX. This company rescinded all previous actions with no penalties issued. They again started reporting me " 30 Days Late '' in XX/XX/XXXX. On XX/XX/XXXX, I received a Credit Alert from my monitoring service to report an illegal report. I reviewed my credit file and I noticed this company reported me : " DELINQUENT. '' I had not received my statement for the XXXX payment which was due on XX/XX/XXXX. I received the statement on XX/XX/XXXX. 
I have complained to your company in XXXX, and in XXXX. Your agency failed to produce any action or issue any penalties. I am again filing another complaint with your agency in the hopes of some positive action be taken. This company needs to be assessed penalties and fines and I should be compensated for the stress and anxiety I've encountered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, are debt collectors attempting to collect a debt of {$15000.00} ( or any variations ) on behalf of XXXX XXXX XXXX I have not received any services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have not provided any releases of my private information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have no idea how XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained my private information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide the accounting in accordance with G.A.A.P. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report and I saw that I have negative information on my account. Where is account come from. I believe that someone used my personal information and apply for it

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 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
My son fall ill to a sudden XXXX XXXX XXXX in Summer of 2020 and we had two hospital visits XXXX emergency room in XXXX XXXX XXXX XXXX, and since they did not have a children XXXX XXXX, they used emergency services and moved him to XX/XX/XXXX XXXX XXXX for XXXX XXXX my total bills after my insurance paid their share came to be close to 8000 dollars. i contacted both hospitals the same way and XX/XX/XXXX and I have an agreement to pay them XXXX per month, that i am paying. XXXX XXXX XXXX XXXX in XXXX, refused all my calls, rejected all my offers, and failed to reply to any offer i gave them. Finally they sent my bills for collection to a collection agency that now has begun harassing me and my wife a year later. Harris & Harris are calling me and my wife at home and at work at all times. or exactly at XXXX p.m. ( a minute before the required cut off ). My complaint is about both XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX and Harris & Harris.

Company response to consumer: Closed with explanation