vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights by Rooms to go which has recently placed a collection on my consumer report without adhering to relevant laws and regulations overseen by the Consumer Financial Protection Bureau ( CFPB ).

Under the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to validation information from any collection agency that places a collection on my consumer report. Despite my repeated attempts to obtain this information from Rooms to go, they have failed to provide it, thereby disregarding my rights as a consumer.

Additionally, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been provided with an opportunity to dispute the account in question. This failure to afford me this right is a clear violation of the regulations set forth by the CFPB. 

Furthermore, it has come to my attention that XXXX XXXX is engaging in deceptive practices, including false and misleading representations. Such actions are in direct violation of my consumer rights and are unacceptable. 

Moreover, it is imperative to highlight that Rooms to go/ Syncb has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is in direct violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Furthermore, I have reason to believe that Rooms to go is in violation of the statute of limitations set forth by the state of North Carolina. According to North Carolina state law, debts are subject to a statute of limitations, beyond which creditors or collection agencies can not legally pursue repayment. Syncb/Rooms to go actions may constitute an attempt to collect on a time-barred debt, which is unlawful under North Carolina statutes. 

I am deeply concerned about the impact of Rooms to go/ Syncb actions on my financial well-being and my rights as a consumer. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement action against rooms to go/syncb for their violations. 

Enclosed you will find copies of relevant correspondence and documentation supporting my claims. I am also available to provide any further information or assistance necessary to facilitate a thorough investigation into this matter. 

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that my rights, as well as those of other consumers, are protected.

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 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
Car insurance that they say I owe. Tried to make payment arrangements I could afford but they wanted more. Since this has not been resolved they have place this on my credit. I'm on a fixed income and can afford what I can. I want this collection removed from my credit report and I will make payments that I can afford to make. Please have them remove this from my report. 
Who are they to say what I can afford to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Profit Services Group
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : PROFIT SERVICES GROUP

Company response to consumer: Untimely response
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I have been filing my paperwork that proves I am the lineal heir to the XXXX XXXX. I just informed the military contact at XXXX via email. I have also put the entire legislative body of the Hawaii legislature on notice. Bank of Hawaii legal team requested my information and it was provided and then I was ignored. As the lineal heir, I enacted our constitution of 1864 article 33-40 which provides me eminent domain over all Kingdom of Hawaii entities and that includes Bank of Hawaii whom was founded with XXXX XXXX  XXXX XXXX I want access to all my accounts and funds immediately provided to me. I want all ledgers. The tax map key for XXXX XXXX XXXX XXXX belongs to the XXXX XXXX. I created a federal EIN in my XXXX name XX/XX/2020. I was illegally evicted from my own lands by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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:
I am writing to you with urgent concern regarding my consumer credit report. It has come to my attention that there are accounts listed on my report that I neither recognize nor authorized. These entries are a clear case of identity theft, and I have never entered into any agreement with the listed creditors, nor have I authorized anyone else to do so on my behalf. Specifically, the fraudulent accounts are as follows : - 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  - Reported Balance : {$30.00} Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), you are required to block the reporting of any information in my file that I identify as information resulting from an alleged identity theft, with certain exceptions. This law mandates that such a block be executed promptly and, in any case, no later than four ( 4 ) business days after receiving proper proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-03-22 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: MI

Complaint narrative:
Transunion Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Transunion.

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 2024-03-22 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: NC

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 2 out of 3 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. these are the accounts : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus for their failure to remove late payments from my credit report. I initiated a dispute more than 30 days ago regarding the presence of these late payments on my report, and to my dismay, the credit bureaus have not verified or taken appropriate action to address this issue. This inaction is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ) ( 5 ) ( A ) and section 1666b.

The late payments on my credit report are inaccurate and have had a significantly negative impact on my creditworthiness. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. Additionally, section 1666b of the FCRA mandates that the credit bureaus must promptly remove inaccurate or unverifiable information from a consumer 's credit report. 

It is crucial for the credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) and conduct a thorough investigation to verify the accuracy of the reported late payments. However, despite the ample time provided, they have failed to fulfill their obligation to verify each late payment. It is the responsibility of the credit bureaus to verify the accuracy of these late payments. 

Specifically, Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. By not verifying these late payments within the specified time frame, the credit bureaus have violated this provision and further harmed my creditworthiness.

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 2024-03-22 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: TX

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 XXXX5 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
Account # XXXX ( Name not Listed ) I have no idea what account this is and who is attempting to collect this information. This is a form of identity theft. They have not verified this account accurately. Please delete this immediately Under 15 U.SC 1681i, Paragraph ( 5 ) ( A ) ( 1 ) ( i ) Treatment of Inaccurate or Unverifiable information ( A ) In general, If, after any reinvestigation paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2024 my XXXX XXXX XXXX XXXX was kidnapped, and robbed at XXXX point. The assailants beat him until he gave his pin number. He did not authorize or make these transactions.

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 monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation