vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( UCC ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. You are a third party as defined by law and have no legal right to collect on this contract. According to legal definition provided by XXXX  from the XXXX XXXX XXXX A third party is a person who is a stranger to a transaction, contract, or proceeding If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!! How did you get my nonpublic personal information? What proof or evidence do you have to substantiate your claim? You are committing fraud and extortion as defined by federal law. It is illegal to try and force me to pay an alleged debt without providing me proof that I owe you. Please provide the original contract of indebtedness ( with my wet signature ) if indeed your claim is true. In addition, I would like for your company to show legal documents proving you have the legal right to collect on this alleged debt in my state and city. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. 

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek your urgent assistance regarding several unauthorized hard inquiries on my credit file that have severely impeded my ability to achieve financial equity. Despite numerous attempts to rectify this issue with the credit bureaus, these hard inquiries remain on my record, causing significant harm to my financial standing. 

I would like to bring to your attention the following points : Unauthorized Hard Inquiries : The hard inquiries on my credit file were neither authorized nor ever consented to by me. I am a victim of identity theft, and my personal information was compromised during the XXXX breach. As a result, fraudulent activities have been conducted using my identity. 

Failure of Credit Bureaus : Despite providing substantial evidence and following due process, the credit bureaus have failed to remove these unauthorized inquiries from my credit file. This negligence has resulted in ongoing financial difficulties for me. 

TransUnion Documentation : Enclosed with this email, you will find documentation from TransUnion confirming that these inquiries should have been removed. However, these unauthorized inquiries still appear on my credit report, indicating a failure to follow through on their part. 

Merchant Routing Back to Credit Bureaus : When I contacted the merchants responsible for these inquiries, I was repeatedly routed back to the credit bureaus. This cycle of deflection has left me without a clear resolution and continues to impact my financial health negatively. 

Thank you for your attention to this critical matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$240.00} XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX  XXXX XXXX Balance : {$67.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$72000.00} XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXX  XXXX Balance : {$61000.00} XXXX AUTO XXXX Balance : {$0.00}

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 2024-05-20 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$67.00} XXXX XXXX  XXXX Balance : {$0.00} CAPITAL XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$72000.00} XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$61000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been trying for so long to try to fix my credit report, but first I need it to get XXXX from each credit reporting agencies, I have a problem with transunion and XXXX as they not help me in getting my credit report because they can't " verify my identity '', I provided all the documents and answer questions and still they dont help me. My credit is destroyed, there is many wrong information on my credit that I want to fix, but transunion and experian are not helping me at all. This is resulting in me getting denied for a simple credit card or small loan. I NEED YOUR HELP!..

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 2024-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Co LLC
State: TX

Complaint narrative:
Attempting to reach out to this company debt co which Ive never done business with to understand with this erroneous info was on my credit for validation. XXXX has still failed to provide after several attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX of Virginia, which is the parent company of XXXX XXXX XXXX, is reporting information that should not be on my consumer reports. Account # : XXXX. The debt associated with the account has been cancelled and is now considered income according to the IRS manual. XXXX is not allowed to be reported on a consumer report. 
Attached is the IRS filing copy b of the 1099 C in which the IRS has processed and accepted. 
Remove the account from the report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Over several times, I have reached out to XXXX, XXXX, and TransUnion trying to update and correct the information on my credit profile. But for some strange reason, the credit bureaus refuse to follow the guidelines of the FCRA. According to the FCRA, there should only be XXXX address listed on your credit profile. Any address that is not deliverable to you through the XXXX Postal Service is inaccurate and should not be listed on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, TN 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, TN XXXX None of the addresses above are deliverable to me through the XXXX Postal Service. Therefore, all XXXX of them are inaccurate and should not be reported on my credit profile. It is a direct violation of my rights under the FCRA.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Over several times, I have reached out to XXXX, Equifax, and XXXX trying to update and correct the information on my credit profile. But for some strange reason, the credit bureaus refuse to follow the guidelines of the FCRA. According to the FCRA, there should only be XXXX address listed on your credit profile. Any address that is not deliverable to you through the XXXX Postal Service is inaccurate and should not be listed on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, TN 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, TN XXXX None of the addresses above are deliverable to me through the XXXX Postal Service. Therefore, all XXXX of them are inaccurate and should not be reported on my credit profile. It is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX OF XXXX 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have previously had an issue with Synchrony Bank on lack of transparency in closing a CD. They bury the policies in the fine print of the CD agreement then they make it hard to close the account. Can only do 45 days up to 10 days after maturity date and you can not do online, you must call and never get any type of confirmation in writing or on the CD documents online. They refuse to do this. My other online Banks allow changes to Maturity instructions including closing account online anytime. 
After getting caught in this issue once I made it a point to call on XX/XX/XXXX to change instructions on XXXX CDs maturing within 45days. The rep said it was taken care of but I could not get any written confirmation email or on my online account. 
The first CD matures on XX/XX/XXXX and I decided today XX/XX/XXXX to check and see if my instructions were in motion. To my surprise this CD is now showing that it has been renewed to a new 14 month term completely violating my instructions on XX/XX/XXXX.!! 
I also noticed that the other two CDs that were supposedly changed on XX/XX/XXXX have no intructions to close the accounts and send cash to my checking account. 
This is the central issue.. Synchrony makes it easy to buy and renew a CD online without calling but very difficult to close the account by having to call in a small window with no confirmation of the verbal call allowed? How is that fair? Legal? 
Now I am again having to call to get them to do what I ordered on the XX/XX/XXXX call. 
This bank is not fair, transparent or trustworthy and they are unscrupulous in their business practices. I think it is even illegal to do what they are doing to the consumer? 
Please help me get my money out of this bank. They need to change their unfair business practices too.

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 2024-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS TRUST UNAUTHORIZED ACCOUNT READS : ALLEGED ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT XXXX UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE ALLEGED ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308

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 2024-05-20 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 non-monetary relief
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue concerning the removal of fraudulent items from my account. This communication marks my several attempt to resolve this matter, which continues to cause significant inconvenience and financial detriment. I have complied with all necessary procedures, submitting comprehensive documentation to substantiate my claims. Despite these efforts, the fraudulent charges remain unresolved on my account, adversely affecting my financial stability and confidence in your institution 's ability to protect my interests. The persistence of these fraudulent items not only misrepresents my financial history but also poses an ongoing security risk. XXXX and decisive action is required to rectify this situation. Failure to address this issue promptly will necessitate further escalation, including seeking intervention from regulatory bodies to ensure compliance and protection of consumer rights. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX 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