vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: NC

Complaint narrative:
I REQUESTED VALIDATION OF THE LISTED ACCOUNTS BACK ON XX/XX/year> AND I NEVER RECEIVED ANYTHING BACK FROM THE CREDIT BUREAUS NOR THE LISTED COMPANIES. I AM ATTACHING A COPY OF THE LETTER LISTED BELOW THAT I SENT TO THE COMPANIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: The Bureaus, Inc.
State: GA

Complaint narrative:
THE BUREAUS INC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Dear The Bureaus Inc., I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 
Regards, ( redacted )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I deposited a check for {$77000.00}. These are proceeds from the sale of my home. It was deposited on XX/XX/24. A hold was placed and then released on XX/XX/24. I called Chase to confirm that the funds were good to use and they said yes. I also mentioned that I needed to increase my daily limit for spending, which was done and raised to XXXX. No problem. I went shopping to furnish my new home. I purchased items in person at XXXX XXXX and swiped my card with no problem. I attempted to purchase a item at XXXX XXXX, but it was denied, but then I was able to get it to go through once I tried again. Same for XXXX 's. I was able to get the bulk of what I needed. Furniture has been delivered. As of XXXX XXXX  XX/XX/24, I received a call that my account ( XXXX ) have been restricted and my debit card has been cancelled. I spent XXXX hours at the local branch wherein they called several people and the issue was needing to verify the check through a phone number through the title company, but their system was unable to verify the number. However, several supervisors have touched my account today and they were able to verify the check through the title company. The fact that AFTER they cleared my funds I have a restricted account is completely unacceptable. I have no way to get into any of my accounts, including my child 's, which has nothing to do with this deposit. We can't access anything and I've been dealing with this all XXXX day. I have talked to several supervisors and this is going nowhere. They refuse to approve this transaction and the check has cleared the title company. I personally spoke with the owner of the title company. Also, XXXX told me that the check had passed the 7 day threshold. So now why can't I access any of my funds??????? Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-11 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protect the consumer rights to privacy a confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S C. Section 602 A. States I have the right to privacy.

15 U.S C. Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions 15 U.S C. 1681 ( c ) .a ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
According to the promotional offer Citi posted on their website, I got the Citi AAdvantage XXXX Card. Based on the promotional offer and my discussions with Citi employees, I spent {$10000.00} within the first 3 months ( I already made payments of {$10000.00} ). However, Citi stated that it was a generic online promotional offer for which you were not directly solicited. Therefore, they are not going to give me the XXXX miles stated in their generic online promotional offer. 

Furthermore, in Citi 's XXXX letter, it stated " XXXX XXXX has confirmed that you received XXXX XXXX XXXX AAdvantage bonus miles posted to your XXXX XXXX AAdvantage account on XX/XX/year>. 

Q1 : What is the purpose ( intend ) to have the generic online promotional offer on their website?

Q2 : is it legal to have a fake promotional offer on their website?

Q3 : Per this fake promotional offer, I paid {$590.00} for Citi AAdvantage XXXX Card instead of {$95.00} for CITI XXXX XXXX CREDIT CARD. 

Q4 : XXXX miles have not posted to my XXXX XXXX AAdvantage account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Debt Validation Request for Account Number [ XXXX ] Dear [ LVNV FUNDING LLC ], I am writing to formally request validation of the alleged debt referenced above pursuant to both the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ), which governs the disclosure of nonpublic personal information. 

In accordance with these laws, I am requesting that you provide the following : 1. Full validation of the debt, including a complete accounting of the alleged amount owed, interest, and fees.

2. The name and address of the original creditor, and a copy of any contracts or agreements that demonstrate my obligation to pay this debt.

3. Proof of your authorization to collect this debt in my state, including your debt collection license.

4. Evidence that you have complied with 15 U.S. Code 6802, specifically by obtaining my consent or any legal grounds for sharing my nonpublic personal information with third parties, such as credit reporting agencies. 

Until you provide the requested information and documentation, I demand that you immediately cease all collection efforts and remove any negative reports you have submitted to the credit bureaus ( XXXX, XXXX, and XXXX ). Please note that unauthorized disclosure of my nonpublic personal information under 15 U.S. Code 6802 is illegal and subject to penalties, and I reserve the right to pursue legal action if necessary. 

If you are unable to validate this debt, I request that you promptly delete any related negative information from my credit report, as continuing to report unverifiable or inaccurate information violates both state and federal laws. 

Please send all responses to the address listed above within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I bought a house and attempted to transfer {$300000.00} from my Marcus by Goldman Sachs account to my XXXX  XXXX XXXX account on XX/XX/XXXX, and the next day my account was locked. I reached out to customer service, and they promised a response within one business dayyet that never happened. I called again, and they told me they needed to verify my identity. I received a verification code on my phone, completed the verification process, and then the representative just hung up on me. When I called back the following day, I was informed, theres no way we could verify you. I asked what steps I should take to unlock my account, and they told me there was nothing they could do except wait. Called them again yesterday and they say " the review team is taking care of this, please give 1-3 days till they respond. My account has been locked for over a week now, Marcus did nothing besides kept me hanging! This is absolutely unacceptable. I have the house closing in two weeks, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered several inaccuracies on my credit reports from XXXX, Experian, and XXXX that have not been resolved despite submitting disputes to the credit bureaus. These errors include incorrect reporting of late payments, charge-offs, and account closures. Specifically : XXXX XXXX : This account was reported as a charge-off, but the charge-off date is incorrect. The account was settled in XX/XX/XXXX, but it is still reported as a charge-off through XX/XX/XXXX. 

XXXX : There are inconsistent late payment reports for XX/XX/XXXX. XXXX reports the account as 60 days late, while XXXX reports it as 30 days late. 

Dept of Education ( XXXX ) : Multiple accounts under XXXX are reporting XXXX late payments for XX/XX/XXXX, but the reporting of prior months ' statuses differs across bureaus ( some report " OK '' while others show " Unknown '' ). 

XXXX : This secured loan account was settled in XX/XX/XXXX, yet the derogatory status continued to report until XX/XX/XXXX, which is inaccurate. 

XXXX  XXXX : This credit card was closed due to inactivity, but there are discrepancies in the reporting of the last payment and activity dates across the bureaus, leading to inaccurate reporting. 

I have contacted the credit bureaus to dispute these inaccuracies, but they continue to report conflicting information. I am requesting that the CFPB help facilitate the removal of these errors from my credit reports as they are impacting my creditworthiness. 

Actions taken : I submitted formal disputes with each of the credit bureaus regarding these inaccuracies. 
I provided supporting documentation to the bureaus, including settlement confirmations and payment records, to prove the errors. 
Despite this, the errors remain unresolved. 

Disputes were submitted to the credit bureaus all of XXXX The inaccuracies date back to between XXXX and XXXX, depending on the specific account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXXXXXX XXXX loan account # XXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) by failing to correct these inaccuracies. 

Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation