vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year> SYNCB/CARECR XXXX XXXX XXXX XXXX, PA XXXX XXXX Re XXXX Cease and Desist Request for Account Dispute Account Number : [ Your Account Number, if applicable ] To Whom It May Concern, I am writing to formally request that you cease and desist all collection activities, including but not limited to reporting the account referenced above to credit reporting agencies, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

This account, listed as being in collections or charged off with an amount past due of {$9800.00}, is being reported inaccurately. I dispute the validity of this debt and its inclusion in my credit report, and I request that you : 1. Provide Full Validation of the Debt In accordance with Section 809 of the FDCPA, please provide verification of the debt, including but not limited to : A copy of the original contract or agreement. 
Documentation proving the accuracy of the reported balance. 
Proof of ownership of this account. 
2. Immediately Cease Collection Efforts While this matter is under dispute, I demand that you immediately cease and desist any further collection attempts or reporting activity until proper validation is provided.

3. Correct Credit Reporting If you are unable to provide validation of the debt, I request that you remove this account and all related negative remarks from my credit report with all credit bureaus to which you have reported. 

Failure to comply with this request will leave me with no choice but to pursue legal remedies to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. 

Please confirm receipt of this letter and your compliance with my request in writing within 30 days. All further communication regarding this matter must be made in writing to the address listed above. 

Sincerely, XXXX XXXX Be sure to send this via certified mail and keep copies for your 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
Consumer complaint received 2024-12-28 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: MS

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my TransUnion credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my TransUnion credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that TransUnion immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( 4 ) days of receipt of this letter, as mandated by federal law.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,

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 2024-12-28 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: MS

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my TransUnion credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my TransUnion credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness.

I demand that TransUnion immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights.

Please provide written confirmation of the deletion of these accounts within ( 4 ) days of receipt of this letter, as mandated by federal law.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.

Sincerely,

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
I use to use Lexington law so that my credit would get fixed, even after I started noticing it was doing absolutely nothing to help my credit, I cancelled, after I cancelled with them I was still getting charged. Got on the phone with them and requested refunds and they said they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 ( A ) SECTION ( 2 ) : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-12-28 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: FL

Complaint narrative:
I am a former resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am disputing a collection account created on XX/XX/year>, for {$2900.00} on my credit report. At the time of eviction, I had XXXX, and Floridas executive order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus, XXXX, XXXX and Transunion to dispute this debt. Additionally, the collection agency for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting XXXX, XXXX and Transunion for 4 years straight now by phone and mailing in all of my supporting documents to help them resolve this issue and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX Veteran who experienced XXXX in XXXX and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my XXXX from XXXX XXXXXXXX behind. I never deserved what XXXX XXXXXXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from XXXX XXXXXXXX removed from my record. Thank you. Words cant describe how much my well being means 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 2024-12-28 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: FL

Complaint narrative:
I am a former resident of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL. I am disputing a collection account created on XX/XX/2020, for {$2900.00} on my credit report. At the time of eviction, I had XXXX, and Floridas executive order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus, Experian, XXXX and XXXX to dispute this debt. Additionally, the collection agency for the XXXX debt XXXX XXXX XXXX multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting XXXX, Experian and XXXX for XXXX years straight now by phone and mailing in all of my supporting documents to help them resolve this issue and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX Veteran who experienced XXXX in service and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my trauma from the XXXX behind. I never deserved what the XXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from the XXXX removed from my record. Thank you. Words cant describe how much my well being means 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 2024-12-28 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: FL

Complaint narrative:
I am a former resident of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL. I am disputing a collection account created on XX/XX/2020, for {$2900.00} on my credit report. At the time of eviction, I had XXXX, and Floridas executive order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus, XXXX, Equifax and XXXX to dispute this debt. Additionally, the collection agency for the XXXX debt XXXX XXXX XXXX multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting Equifax, XXXX and XXXX for XXXX years straight now by phone and mailing in all of my supporting documents to help them resolve this issue and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX Veteran who experienced XXXX in XXXX and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my trauma from the XXXX behind. I never deserved what the XXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from the XXXX removed from my record. Thank you. Words cant describe how much my well being means to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others that might be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all deficient of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it true or unknown! Again, I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The original creditor is not XXXX XXXX it is XXXX XXXX XXXX. 

Also, the open date ( XX/XX/XXXX ) that is being reported is not correct as my last payment to XXXX was XX/XX/XXXX before I voluntarily repossessed my car in XXXXXXXX XXXX XXXXXXXX. XXXX sold the debt the same year after my car was sold to XXXX  on XX/XX/XXXX. 

Also, The open account date changed ( restarted ) after I sent a debt validation request early XX/XX/XXXX. In that debt validation request was a list of other information I requested that was never provided. I was sent just the bottom part of a contract with my signature and not the complete contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I can not use my card anywhere, it keeps declining, but there is money on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, la XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX  Account number # XXXX Account Name : XXXX XXXX Account Numb # # XXXX Account Name : XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Credit Name XXXX XXXX  Creditor Name : Inquiry Date : XX/XX/XXXX Credit Name : XXXX DATE XX/XX/XXXX Credit Name : XXXX  Date XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action on this issue. 
XXXX XXXXXXXX

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