vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It has been over 4 business days and Equifax, XXXX, and XXXX continue to willfully not comply with section 605b. I am not requesting the blocks and deletions of these accounts in error. There is no material misrepresentation and I have not benefited from these open accounts. I have originally created this dispute to multiple addresses being on my report and my belief that my information was being misused and shared. This has lead to multiple unrecognized accounts that I am requesting to be blocked and deleted. Please stop this behavior that is damaging my personal life as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been over 4 business days and XXXX, Experian, and XXXX continue to willfully not comply with section 605b. I am not requesting the blocks and deletions of these accounts in error. There is no material misrepresentation and I have not benefited from these open accounts. I have originally created this dispute to multiple addresses being on my report and my belief that my information was being misused and shared. This has lead to multiple unrecognized accounts that I am requesting to be blocked and deleted. Please stop this behavior that is damaging my personal life as a consumer.

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 2024-04-10 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 writing in response to the verified no-change letter I received regarding late accounts on my credit report. In accordance with your recommendation, I contacted the creditor requesting proof of the reported late payments. However, despite my efforts, the creditor failed to provide any valid documentation confirming that I was indeed late on those months. A copy of my letter to the creditor is attached for your reference. Given the absence of any evidence substantiating the late payments, it is clear that these entries are inaccurate and should not be included on my credit report. As per the Fair Credit Reporting Act ( FCRA ), if the creditor can not provide proof of the late accounts, they are not permitted to report them to the credit bureaus account XXXX XXXX XXXX XXXX Account # XXXX. Also TransUnion is reporting this account closed and XXXX says account opened, payment status with TransUnion says 90 days late and XXXX says 60 days late. Therefore, I request that you promptly remove these inaccurate late listings from my credit report or mark paid as agreed never late..Failure to do so would constitute a violation of the FCRA. Thank you for your attention to this matter. Sincerely, XXXX XXXX Enclosures

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 2024-04-10 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:
I checked out my credit profile and noticed there were some hard inquiries that are not mine.

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 2024-04-10 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:
this is a formal compliance against equifax, the XXXX account charged me for a services i never received, and when i went to pay it they told me that they were going to remove it from my credit report, something they never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Resurgent Capital Services L.P., I am writing in response to your recent communication regarding the collection account XXXX. I appreciate the information you have provided, but I must respectfully challenge the validity of this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the right to request validation of this debt. I am requesting that you provide me with the following : * Verification of the original creditor 's name and address.

* Verification of the original account number and any relevant dates.

* A copy of the signed agreement, contract, or other documents proving that I am responsible for this debt.

* Verification of the amount of the debt, including any fees or interest charges.

Please note that under the FDCPA 809 ( a ), you are required to provide this information within 30 days of receiving this request. Until you have provided the requested validation, I am requesting that you cease all collection activities, including reporting to credit bureaus.

Additionally, the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) stipulates that information reported to credit bureaus must be accurate and verifiable. Failure to provide the requested validation could result in inaccurate reporting, which would be a violation of the FCRA. 
I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: MD

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-10 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: 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 15 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 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 2024-04-10 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 15 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : CAPITAL ONE XXXXXXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AZ

Complaint narrative:
I have not made these records and firmly suspect they are tricks. Kindly do an intensive examination and eliminate them from my credit report right away. I have given proof to help my case.

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 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander has completely dropped the ball!! I called in XX/XX/XXXX and escalated a concern, regarding a gap refund. My refund from XXXX was sent to them in error, at the time of my trade in. I wasnt aware/informed until this current week. I spoke with XXXX, who advised she will escalate to the XXXX XXXX She also mentioned call by friday if I hadnt heard back anything. I provided the check number : XXXX issue date : XX/XX/XXXX amount : {$420.00} cashed by Santander : XX/XX/XXXX. I was advised on my follow up today XX/XX/XXXX to contact XXXX, they would be issuing a prepaid debit card! I asked what to provide to XXXX, to which a supervisor confirmed, provide Santander account number! XXXX was unable to find me. I conferenced in Santander on a 3rd callback! To which an associate advised, its no longer their responsibility, to issue funds. Upon speaking to a supervisor, after an excessive hold. He advised I was misinformed, the check wasnt cashed, XXXX  would be reissuing the check. He never apologized for my experience, lack of consideration for my time, or the excessive hold times. He placed me on a few holds after advising hed have some sort of reference or confirmation the communications were sent to XXXX. When I asked for that, he denied saying that. He stated to expect to receive it in 30-45 business days! Im tired of all the back and forth, and inefficiencies in their communication. This refund needs to be expeditiously processed!!! The calls regarding this escalation from XXXX need to be reviewed for feedback!!! This company has completely failed in their service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
I don't owe this debt! I have not authorized anyone to put this on my credit profile. This information was already disputed and removed several times from my credit report at this pointthis is harassment. I have filed for bankruptcy and am not responsible for this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo Incident Date : XX/XX/2021 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.To remove this from my XXXX XXXX XXXX XXXX XXXX profile 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 explanation
Consumer complaint received 2024-04-10 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: MD

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-10 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: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
Apple ID was stolen XX/XX/year> and my apple card was used to buy XXXX XXXX  in XXXX. This put the balance of my card at 5x my limit over night. Those transactions have been reversed but the cash back from those transactions reversed also and still shows on the card even though that is something that was also stolen with my Apple ID. I have called consistently over the last 1 1/2+ years and it has still not been resolved even though every time I talk to their fraud department they say they will update it and get the credit reporting charge off corrected and now they are denying the disputes I file through the credit unions. This has taken well over 30 days, I have not been notified of any outcomes because they will only use my icloud email even though I have explained over and over that that was stolen with my appleID. It should be very obvious that this balance should be at {$0.00}. The amount on there was posted well after the account closed and on top of that there are late fees even though I was told not to make payments because I then claimed responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX I called as my old bank ( XXXX  ) reached out to me stating that there were charges from Synchrony Bank trying to collect payment since XX/XX/XXXX. Synchrony did this 6 times overall which resulted in my bank charging me insufficient fee charges 6 times which are over {$30.00} each meaning I owed my bank over {$200.00} in fees. I called and asked for a refund of those fees since one I made my XXXX payment on XX/XX/XXXX so there was no need to even charge me that month plus when I called in XXXX to make the payment, I updated the correct bank information to ensure the month of XXXX I get charged from my XXXX  XXXX XXXX. The representative said they would put a case in to be reviewed and it takes 30-60 days for it to be reviewed. I called today ( XX/XX/XXXX ) for them to tell me they could only waive once every 12 months and that out of the total amount im owed, I will only be reimbursed {$30.00}. When I spoke to a manager about this, they had said there was nothing they can do even though it was their system that made the mistake, that they sent a credit of {$30.00} which really went to my sister 's debt not even my own- we have a joint account but different accounts. When i asked " am i supposed to just eat the cost of over {$200.00}, '' since I still owe that to XXXX, the manager simply replied with a yep. I reached out to two different managers and they both responded the same way. XXXX is not willing to waive those fees since it was an error on Synchrony bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
These records were not started by me, and I unequivocally accept they are deceitful. I compassionately ask that you direct an exhaustive examination and eliminate them from my credit report as needs be. I have given documentation to help my case.

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 2024-04-10 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: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

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 2024-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
These records were not started by me, and I unequivocally accept they are deceitful. I compassionately ask that you direct an exhaustive examination and eliminate them from my credit report as needs be. I have given documentation to help my case.

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