vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Omega RMS, LLC
State: NY

Complaint narrative:
Omega RMS unlawfully reported an unauthorized account on my consumer report for {$18000.00} on XXXX I have not given Omega RMS written permission to put anything on my credit profile. Omega Rms have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against Omega Rms, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX XXXX of references to Receivables Performance Removal of references to XXXX XXXX  I trust that TransUnion, XXXX, XXXX, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ XXXX XXXX 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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent.

According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely XXXX, TransUnion, and XXXX, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore XXXX I wish to remove the following inaccurate collections on my consumer report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I kindly request your immediate attention and resolution of these matters. 

Sincerely XXXX 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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent.

According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely XXXX, XXXX, and Experian, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore  XXXX I wish to remove the following inaccurate collections on my consumer report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I kindly request your immediate attention and resolution of these matters. 

Sincerely XXXX 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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank for the 3 rd time for no reason removed my credit limit from {$9000.00} to {$2100.00}. Just this last XXXX they fixed this problem and now XX/XX/XXXXXXXX XXXX XXXX Im having the same problem. I have never been late on any of my credit cards in my life. I have always maintained good credit. My mother just passed away XX/XX/XXXX th and Im trying to plan a funeral with credit I thought I had being ripped out from underneath me again for the 3 rd time. I have left phone calls and emails. I just wish someone would call me back and fix this again. XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There's accounts open which should be closed and they're affecting my ability to be able to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I XXXX XXXX, submitted an identity theft through FTC ( federal trade commission ) and uploaded it to CFPB on XX/XX/2023. Per 15 U.S. Code 1681c2, the credit reporting agencies have 4 days to block the information submitted. It has now been ten days past the receipt of the identity theft submission. This is willful negligence as I have provided PS Form 3811 and PS Form 3817 attachments showing I mailed to the companies reporting debt validation requests for over 60 days and not one creditor provided any bona fide evidence. Also mailed validation requests to all three bureaus and these entities did not provide any records as per federal law they are supposed to have records. Not one credit bureaus has my written consent to report, these credit bureaus are private corporations and have no legal basis for their actions and are not immune to being sued. They are ignoring my request and damaging my life as this is harming me from getting any credit. These companies are using and benefitting off my data and information while my family and household suffer. After this final request i will be going to the nearest federal district court.

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 2023-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have 3 accounts through Synchrony Bank ( Care Credit, American Eagle, and Ashley Furniture ), plus, much to my dissatisfaction, they run Venmo. I was charged a late fee after not being able to access my accounts. I called and resolved it through customer service, but that, in and of itself, was a hassle. I explained to the representative that the website was down for months. I can technically log in with my credentials, but all that pops up after the login is an error page saying the site is experiencing technical difficulties. This has been going on for months now. I cant access my profile information to update my address or email, and I cant see my available credit lines or balances. 
I wrote a complaint on XXXX website in XXXX and someone from Synchrony said they would be in touch. Its XXXX and no one has reached out. Their site is still down. If they had a physical location, I would have already gone, but thats the disadvantage everything has to be handled through a phone call that takes entirely too long. Wait time is awful, and you can tell the representatives are feeling just as burnt out.

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 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, Since XXXX XXXX XXXX  days ago, Chase Bank has failed to preformed, in turning over to me, XXXX XXXX, the sole trustee and beneficiary, access to the money my parents left me, in the XXXX XXXX XXXX. They have on file the trust, death certificate and trust tax I D number. Chase said they don't have enough money in the bank and it would be reviewed in their Florida offices, where a check will be mailed to my home address.. 

When I've ask, what is happening, Chase replies, the account is in review, or we can't get in touch with them because of the time difference, or we are looking in to it. When I asked for the address of the Florida Legal offices or a phone number, the refused to give it. 
An other bank, in the XXXX XXXX XXXX gave us the funds within a week. After speaking with an attorney, he said they should have turned the money over then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX  XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX. 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX XXXXXXXX bank. please provide a certificate of indebtedness from XXXX XXXX XXXX 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The following accounts below are listed as a Charge Off on credit reports. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation