vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: NV

Complaint narrative:
I am writing to dispute the inaccurate reporting of the SYNCB/PPC account XXXX # XXXX ) on my credit report. After a thorough review, I have identified several discrepancies that violate XXXX XXXX compliance guidelines and my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. These inaccuracies must be addressed immediately to ensure full compliance and accuracy in my credit report. 
Violations Identified : XXXX. Late Payment Reporting : o The account reflects XXXX late payments in XX/XX/XXXX across all three bureaus. However, the " Date Closed '' is listed as XXXX, making the late payment reporting contradictory and invalid. 
XXXX. Inconsistent High Balance Reporting : o XXXX XXXX guidelines require uniform reporting of the high balance across all bureaus. The high balance is reported as {$3000.00} by Equifax and XXXX but differs in supporting information. These discrepancies fail XXXX XXXX accuracy standards. 
XXXX. Past Due Amount Mismatch : o The " Past Due '' amount fields reflect inconsistent amounts across the bureaus, with XXXX showing {$570.00}, which contradicts Equifax and XXXX. This inconsistency violates FCRA XXXX ( b ), which mandates maximum possible accuracy. 
XXXX. Date of Last Payment/Activity Errors : o The " Date of Last Payment '' is inconsistent, with XXXX showing XX/XX/XXXX, while other bureaus list different dates. Similarly, the " Last Activity Date '' is misaligned. These discrepancies interfere with accurate credit reporting and fail XXXX XXXX guidelines. 
XXXX. Account Status Inconsistency : o The account is listed as " Closed '' across all three bureaus, but the comments field shows conflicting reasons for closure, including inactivity and cancellation by the grantor. XXXX XXXX requires clear and consistent reporting of account closure reasons. 
XXXX. Payment History Inaccuracies : o The payment history field for XX/XX/XXXX shows inconsistencies, with XXXX bureau marking payments as on time and another showing delinquencies. Accurate and consistent payment history is a critical component of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I do not believe that the debt that is reported for the amount of {$840.00} from Spring Oaks Capital Llc is valid. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I do not believe that the debt that is reported for the amount of {$3100.00} from Vance and Huffman Llc is valid. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deer Park NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00} XXXX - XX/XX/XXXX {$930.00}

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00} XXXX - XX/XX/XXXX {$930.00}

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NY

Complaint narrative:
I reported to the merchant, American Eagle that our order was not received. The order was allegedly deliver by Fed XXXX on XX/XX/year> at XXXX. I checked my home cameras and no deliver was made before or after XXXX am. In addition, no photo was taken by XXXX  XXXX that they drop off the package as they have done before. I called XXXX  XXXX to filed a missing package and was advised that the merchant American Eagle would need to file the report. I contacted American Eagle and was advised that they will file the report. I also contacted my credit card company XXXX XXXX  to dispute the charges as the package was never received. On XX/XX/year> I received a letter from XXXX XXXX  stating that a credit will not be issued as " we have received no proof that a credit is due on the account from you and or the merchant ''. On XX/XX/year> I wrote a letter to XXXX XXXX, stating the same events with copy of the XXXX XXXX  print out and a photo from my front door camera advising that I have the recording showing no package was left at my house. I had sent the letter certified mail and I resent the same letter on XX/XX/year> as the certified mail was not claimed. On XX/XX/year> I received another letter from XXXX XXXX  stating the same thing " we have received no proof that a credit is due on the account from you and or the merchant ''. which is ridiculous since I have proof and the recording for that day. No one has ever contact me or email me requesting the footage.

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
re : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Barclay did XXXX to resolve the issue ( Fact ) that they are lying. 
Barclay did NOTHING to resolve the BULLY tactics they are using. 
Barclay did NOTHING to resolve the issue ( Fact ) that the XXXX company had an issue of Possible Fraud with ( Barclay ) NOT with me. 
Yet again, another lie. 
Barclay did NOTHING to offer in compensation for the trouble THEY caused. 
How can this complaint be closed when NOTHING has been done?

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2024, at XXXXXXXX XXXX XXXX, I was contacted by XXXX XXXX from XXXX regarding LVNV Funding LLC. I promptly sent them a dispute letter, informing them that I was a victim of identity theft. They agreed to stop the collection efforts. However, this week, they added XXXX collections to my XXXX file, causing my credit score to drop by XXXX points. 

It has been more than 30 days, and they have failed to respond to my request for validation as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
I am filing a formal complaint against United Auto Credit for inaccurate reporting practices and noncompliance with federal tax regulations regarding a charged-off account. This account is being reported inconsistently across credit bureaus, and the company has failed to provide the legally required IRS Form 1099-C ( Cancellation of Debt ). 

Details of the Account : Creditor : United Auto Credit Account Number : XXXX Date of Charge-Off : XXXX Amounts Reported : Differing balances reported to XXXX, XXXX, and XXXX Complaint Summary : Inconsistent Reporting to Credit Bureaus no 1099-C to IRS : The balance and status of the account are reported differently across the major credit bureaus. Such discrepancies violate the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), which mandates accurate and consistent reporting of consumer credit information.

Failure to Issue IRS Form 1099-C : According to Internal Revenue Code Section 6050P, creditors are required to file Form 1099-C with the IRS when a debt of {$600.00} or more is charged off or canceled. On XX/XX/year>, I contacted the IRS, and they confirmed that no 1099-C has been filed for this account.

I requested the form directly from United Auto Credit, but they denied my request, stating that payment in full was required before issuing the 1099-C. This response conflicts with IRS guidelines and raises concerns about the legitimacy of the charge-off designation.

Improper Classification of Debt as Charged Off : Without the issuance of Form 1099-C, the account can not be legally classified as charged off under IRS regulations . This misclassification misrepresents the true status of the account and further violates the FCRA.

Requested Resolution : I request that the CFPB : Investigate United Auto Credits reporting practices and compliance with federal regulations.

Require United Auto Credit to delete the account entirely due to their failure to provide accurate documentation.

Enforce compliance with IRS Form 1099-C filing requirements, ensuring that creditors properly classify and report charged-off debts.

Supporting Documentation : Correspondence with United Auto Credit denying my request for Form 1099-C. 
Screenshots or reports from XXXX, XXXX, and XXXX showing the inconsistent balances. 
Notes from my conversation with the IRS on XX/XX/year>, confirming no 1099-C filing. 
I appreciate your attention to this matter and look forward to a resolution. Please contact me at

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: IL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the inaccurate reporting of a charged-off status by XXXX XXXX XXXX XXXX XXXX auto loan account. The information reported to the credit bureaus does not accurately reflect the accounts history or status. 

XXXX, I reviewed my credit report and discovered the charged-off status, which I believe is incorrect. On [ date ], I contacted XXXX XXXX to address the issue and requested verification of the reported charge-off. I also submitted supporting documentation, including [ list what you provided, such as proof of payments or account records ]. Despite my efforts, the company has not provided adequate documentation to substantiate their claim. 

XXXX charge-off status remains on my credit report, negatively impacting my credit score. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to ensure the accuracy and completeness of the information they provide to credit bureaus.

I request the Consumer Financial Protection Bureaus assistance in resolving this matter. Specifically, I ask that XXXX XXXX XXXX provide proper verification of the charge-off or remove the inaccurate information from my credit reports with all three credit bureaus ( Equifax, XXXX, and XXXX ) XXXX 

Also XXXX XXXX  and some other over XXXX XXXX hard inquiries on my credit report, which should not be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NV

Complaint narrative:
I have identified several items on my credit report that I do not recognize. These accounts appear to have been opened without my authorization, indicating potential identity theft. I previously reported this issue and now request the immediate removal of these unauthorized accounts from my report.

These accounts are causing me significant distress as they misrepresent my credit history and financial management. Resolving this matter has been a lengthy and challenging process. If the issue is not addressed promptly, I am prepared to take legal action to protect my rights and ensure a resolution. 

The presence of these erroneous items is severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I trust that this matter can be resolved quickly to restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. Please let me know if additional documentation is needed.

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 2024-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-20 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: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I have no knowledge of this proposed debt. I havent had any contact with the company at any time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation