vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: Experian Information Solutions 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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Yes I have been the victim of identity fraud I have been going through this I have us cellular but someone has fraudulently opened a XXXX XXXX XXXX account under XXXX and thats not how you spell my name I dont a thing through XXXX but I dont think the person on the phone that put the info down put it down right because its still on my account I have had to dispute a XXXX XXXX XXXX account before and 2 credit card accounts because it was fraud and I have had a fraud alert on my account for 2 years and they are suppose to call my number before they open and account and they keep letting them fraud my account and it brings my credit score down and thats very upsetting

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 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent out a cease and desist letter along with a validation of debt letter to Midland Credit Management Inc. I received the domestic return receipt on XX/XX/year> with a signature stating that somebody working for that company had received my letters. It is now XX/XX/year> and I still have not heard back from Midland Credit Management Inc on whether they have validated the debt. They have not provided me a contract with my wet signature either. This debt is not mine and I expect it to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
**Complaint to the CFPB Regarding ChexSystems Falsified Report** I am writing to file a formal complaint against ChexSystems for improperly using my report and providing falsified information when I requested a copy of my report. This issue has caused me significant hardship, and I am seeking assistance in holding ChexSystems accountable as well as compensation. 
On XX/XX/year>, I requested a copy of my ChexSystems report as I suspected there was inaccurate information being reported. On XX/XX/year>, I received a response from ChexSystems stating that there was no information reported under my file. 
However, I recently applied to open a bank account and was denied. The bank cited that my ChexSystems report contributed to their decision. This raises the question of how my ChexSystems report could have been used for a decision when they had previously advised me that there was no information reported on me. This discrepancy is alarming, and it appears that ChexSystems is refusing to allow me my legal right to view the contents of my report. 
By providing inaccurate information and failing to disclose what is truly being reported, ChexSystems has violated multiple laws, including my right to fair and accurate reporting. As a single mother working full time, this issue has caused me emotional distress, as the inability to open a bank account has prevented me from obtaining employment, where direct deposit is required.

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 2024-08-22 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-22 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-22 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:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue 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 non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NH

Complaint narrative:
We have been engaged in a lenghty process with First National Bank related to the sale of our home. FNB is working with the buyers to facilitate our assumable loan, but has demonstrated glaring incompetance, disregard for objectively reasonable timeliness, and a noteable refusal to communicate with us and our agent. The result has been a significantly delayed closing that results in the residence currently being unoccupied ( I am a XXXX, XXXX employee and was required to transfer to my new location by XX/XX/year> ), double insurance payments, our inability to render the planned down payment for our current home, and significant distress and XXXX. We have been horribly mistreated as customers, with numerous communications and attempts to receive timely updates being ignored or rebuffed by multiple bank officials, and the conflicting guidance and information provided to us and the buyers has caused both financial and personal damages. The lender has recently admitted they are wholly inexperienced in transferring assumeable loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
caine & weiner send me a debt collcetion and we do not have a contract Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Reports Dear XXXX XXXX XXXX, Equifax Information Services LLC, and XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. XXXX is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Experian, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. XXXX is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I use to have a Business Checking account with B of A a while back and closed it due to fees. I than closed all accounts with B of A. 

I reopened personal checking accounts and credit cards with Bank of America and the XXXX XXXX dashboard appeared on my online access to my personal checking accounts. 

I have notified Bank of America numerous times of the Business Dashboard appearing on my personal checking side and they stated it went to be sent to IT to fix, they have failed to resolve the issue. 

I did apply for a Business credit card but no other Business products. and I had to enroll to gain access to that account with Bank of America. 

I still would see the Business advantage dashboard on my personal side and called Bank of America, To remove an old Business account that is now associated with my personal checking, B of A has failed to resolve the issue. 

And now that I have an attempted fraud charge on my Bank of America personal debit card, I have zero access to lock my debit card because I am being told I dont have a personal checking account online? I have 2 separate online IDs for my personal and business credit and yet I am being told I dont have an online personal 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