vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
To Whom It May Concern : This correspondence serves as a Negative Averment and formal notification of Intent to Sue on behalf of XXXX XXXX XXXX regarding the issues referenced in your response dated XX/XX/2024, submitted through the Consumer Financial Protection Bureau ( CFPB ) portal.

Your assertion that the disputed information " does not appear '' in XXXX XXXX XXXX XXXX current Experian credit report implies that such information was removed without due explanation. This deletion serves as prima facie evidence that the information was inaccurate or improperly placed on his credit report to begin with. In doing so, your company has violated XXXX XXXX rights under both federal and state consumer protection laws. 
Violations Cited : Fair Credit Reporting Act ( FCRA ) Under the FCRA, 15 U.S.C. 1681 et seq., consumers have the right to expect accurate and verifiable information in their credit reports. By deleting the disputed information without acknowledgment or investigation of its initial placement, you have demonstrated an implicit admission of fault. Specifically : 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed items.

15 U.S.C. 1681e ( b ) requires that agencies follow reasonable procedures to ensure maximum possible accuracy.

Your failure to verify, even after the removal of the item, constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages and costs.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) As this issue occurred in the state of Florida,
we assert violations under Fla. Stat. 501.201 et seq., which prohibits deceptive, unfair, and fraudulent business practices. The deletion of disputed information without transparency may be construed as an attempt to avoid accountability and is grounds for a claim under FDUTPA.
Intent to Sue : If the matter is not remedied and full transparency is not provided within 30 days of receipt of this notice, XXXX XXXX XXXX will pursue litigation, including claims for : Statutory damages under the FCRA and applicable state laws ; Actual damages for harm caused by the erroneous reporting and subsequent deletion without proper explanation ; Punitive damages for willful violations of XXXX XXXX rights ; Legal fees and court costs.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They are refusing to update my scores and I have called in numerous times and they are constantly sending credit reports from 2019. This is also the information that appears online.

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 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was charged a XXXX overdraft fee after I had a positive balance of XXXX dollars. Then after I deposited XXXX dollars they still dinged me for overdraft fees. Now in 2 days I have XXXX of overdraft fees and it is impossible to keep my account balance positive. There shouldnt be a XXXX dollars a day of overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NC

Complaint narrative:
Im accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 usc 1681 section 602 a 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 15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 know or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

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. These are the following accounts need to be removed :

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They are refusing to update my scores and I have called in numerous times and they are constantly sending credit reports from 2019. This is also the information that appears online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO XXXX BY PHONE AND ON THEIR OFFICIAL WEBSITE TO CORRECT THE INACCURATE ITEMS ON MY CREDIT PROFILE. I HAVE SENT OVER THE REQUESTED DOCUMENTS A FEW TIMES FOR DISPUTED ITEMS AND WAS TOLD THEY NEVER RECEIVED IT! SINCE THEN I HAVE TRIED AT LEAST 5 TIMES TO UPLOAD THE DOCUMENTS ONLINE AND NOT ABLE TO COMPLETE THE PROCESS. ALSO SAME ITEMS THAT I DISPUTED WITH XXXX AND XXXX ARE DELETED BUT XXXX REFUSED TO DELETE. THE FUNISHERS ARE : SDCCU AND XXXX XXXX XXXX. BASE ON THE LAST REPLY ON MY RECENT COMPLAINT ON SDCCU. THEY HAVE NOT REMOVED THE INACCURATE INFORMATION ON EACH A D EVERY CRA 'S AS PROMISED! I HAVE CALLED 3 TIMES AND WAS TOLD THAT THEY ARE WORKING ON IT! I HAVE ALSO ATTEMPTED TO REACH OUT TO XXXX XXXX XXXX AND NOTHING WAS DONE AS AGREED. I AM BEYOND FRUSTRATED AND DISAPPOINTED ESPECIALLY WITH SDCCU! IT IS EFFECTING MY ABILITY TO OBTAIN CREDIT, LOANS, AND ASSISTANCE FOR MY HARDSHIP THAT IM EXPERIENCING AT THE MOMENT. THE MENTAL AND EMOTIONAL STRESS THAT IT HAS CAUSED IS OVERWHELMING AND EFFECTING MY WELL BEING. Please help and advise what to do resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lincoln Financial Services
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO XXXX BY PHONE AND ON THEIR OFFICIAL WEBSITE TO CORRECT THE INACCURATE ITEMS ON MY CREDIT PROFILE. I HAVE SENT OVER THE REQUESTED DOCUMENTS A FEW TIMES FOR DISPUTED ITEMS AND WAS TOLD THEY NEVER RECEIVED IT! SINCE THEN I HAVE TRIED AT LEAST 5 TIMES TO UPLOAD THE DOCUMENTS ONLINE AND NOT ABLE TO COMPLETE THE PROCESS. ALSO SAME ITEMS THAT I DISPUTED WITH XXXX AND XXXX ARE DELETED BUT XXXX REFUSED TO DELETE. THE FUNISHERS ARE : XXXX AND LINCOLN FINANCIAL SERVICES. BASE ON THE LAST REPLY ON MY RECENT COMPLAINT ON XXXX. THEY HAVE NOT REMOVED THE INACCURATE INFORMATION ON EACH A D EVERY CRA 'S AS PROMISED! I HAVE CALLED 3 TIMES AND WAS TOLD THAT THEY ARE WORKING ON IT! I HAVE ALSO ATTEMPTED TO REACH OUT TO LINCOLN FINANCIAL SERVICES AND NOTHING WAS DONE AS AGREED. I AM BEYOND FRUSTRATED AND DISAPPOINTED ESPECIALLY WITH XXXX! IT IS EFFECTING MY ABILITY TO OBTAIN CREDIT, LOANS, AND ASSISTANCE FOR MY HARDSHIP THAT XXXX EXPERIENCING AT THE MOMENT. THE MENTAL AND EMOTIONAL STRESS THAT IT HAS CAUSED IS OVERWHELMING AND EFFECTING MY WELL BEING. Please help and advise what to do resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

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. These are the following accounts need to be removed :

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 2024-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In the early spring, not sure of exact date, could of been XXXX. I made an online purchase with my XXXX credit card. In approxiately XXXX I recieved a bill for the purchase. I called XXXX XXXX XXXX and told them that I had never recieved the merchandise. The young woman said that I did, that it was delivered by XXXX  XXXX I disagreed and she insisted I was wrong. She then read the address. It was XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I told her that I no longer lived at that address. I sold that house in 2019. She then said, and I quote " Why don't you go knock on the door and ask them for your package " I was stunned. After recoverying I said " I would never do that in a XXXX years ". I would like to point out that I am XXXX XXXX XXXX next week. Have no idea who lives there anymore. And I do not thing I should have to track down the merchandise. I heard nothing else from XXXX and then started getting outrageous late fees. I don ; t think I should have to pay for something I did not receive.Plus they have ruined my Credit Rating. I have had a credit rating in the XXXX 's for years, it is now in the XXXX 's. Thank you for listening.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount Charged Off : {$840.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS holds the servicing on my mortgage and they have been the only service provider since the mortgage was transferred to them. XXXX XXXX insures my home and they have been the only insurance provider. My renewal was due XX/XX/XXXX. SPS did not provide payment for renewal in a timely manner. They had sufficient funds in escrow to pay the renewal premium. I received cancellation notice on XX/XX/XXXX. I called SPS and they stated the MAILED a check on XX/XX/XXXX. That was Thursday, and likely didn't enter the mail system until Friday and didn't reach them on XX/XX/XXXX. I am now without homeowner 's insurance and no resolution from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TN

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for these inaccuracies to be investigated and corrected, I have yet to receive a satisfactory resolution. These incorrect entries are severely affecting my credit file, and the resulting negative impact is significantly hindering my ability to manage my financial affairs and live a normal life. 

The continued presence of these inaccuracies has caused considerable hardships, and I am left with no choice but to plead for your prompt and thorough assistance in rectifying this matter. I respectfully request a comprehensive investigation into the reporting of each disputed account, with a focus on ensuring that the necessary corrective actions are taken without further delay. 

It is imperative that my credit report reflects accurate information so that I can restore its integrity and regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift corrective action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-09-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute the reinserted account formally and ongoing issues related to my identity theft case. Specifically, the XXXX XXXX account ( # XXXX ) was reinserted into my credit report without proper communication, violating the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( b ), which requires furnishers to provide notice of reinsertion. As required under 15 U.S.C. 1681i ( a ) ( 6 ), a consumer reporting agency must notify me when an item is reinserted into my credit report.

Additionally, the following accounts remain unresolved despite my claims of identity theft : XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX. 
These accounts fall under the exclusion section of the FCRA and were reported without my written consent, indicating identity theft. I did not authorize any transactions related to these accounts, violating the permissible purpose section of the FCRA. Furthermore, I believe these actions may violate my rights under 15 U.S.C. 1681b, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

I request the immediate deletion of these items from my consumer reports, as your agency may be liable for damages of at least {$1000.00} for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm lodging a personal complaint about late payments appearing on my credit record. Upon examination, I've identified these late payment entries. I sent inquiries over a month ago but have received no response or adequate validation. I'm now requesting help to quickly and effectively resolve this issue.

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 2024-09-19 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:
The credit reporting company is in direct violation of U.s. code 1681 EB This law states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Attached below is where Equifax is reporting this as being ok and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm lodging a personal complaint about late payments appearing on my credit record. Upon examination, I've identified these late payment entries. I sent inquiries over a month ago but have received no response or adequate validation. I'm now requesting help to quickly and effectively resolve this issue.

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