vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: RI

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2024-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK
State: PA

Complaint narrative:
Please investigate this company! If the CFPB does nothing else. The least they can do is appropriately investigate this company. They have abusive practices and are taking advantage of their access to consumers credit files. My account is current, yet they continue to report it late. Past due payments have been proven paid, yet they refuse to update my account. SAVE XXXX FROM THIS BULLY OF A COMPANY! NO ONE SHOULD BE SUBJECT TO THEIR LIES. FIX MY REPORT!!!!!! As you can see I dont want or need mortgage assistance. My mortgage is forward paid until XXXX currently. The next step is to hire a lawyer.

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 2024-07-09 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: GA

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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2024-07-09 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: GA

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 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 2024-07-09 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:
I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-07-09 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: NJ

Complaint narrative:
The credit reporting agency XXXX is in violation of 15 USC 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to any credit agency to report my nonpublic personal information.

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 XXXX XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written, unwritten, verbal, or non-verbal to report my nonpublic personal information. 

XXXX XXXX XXXX violates the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by XXXX, XXXX that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every thirty ( 30 ) days which XXXX, XXXX never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers. 

XXXX XXXX XXXX violated the terms and conditions within their banking agreement because XXXX XXXX XXXX states that they do not provide consumer information to third parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX XXXX ALSO unlawfully sold this debt to a third party AFTER the debt had already been tendered in accordance with UCC 3-603 et al. I have never had a contract or agreement with any third parties and I do NOT consent to them reporting any account to my credit report. I am invoking all rights under OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al. Please see 15 USC 6802 B ) OPT OUT below. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations All Charge off 's are certificates of indebtedness, which is considered income and must be removed

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 2024-07-09 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: NJ

Complaint narrative:
The credit reporting agency XXXX is in violation of 15 USC 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to any credit agency to report my nonpublic personal information.

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 XXXX XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written, unwritten, verbal, or non-verbal to report my nonpublic personal information. 

XXXX XXXX XXXX violates the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by XXXX, XXXX that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every thirty ( 30 ) days which XXXX, XXXX never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers. 

XXXX XXXX XXXX violated the terms and conditions within their banking agreement because XXXX XXXX XXXX states that they do not provide consumer information to third parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX XXXX ALSO unlawfully sold this debt to a third party AFTER the debt had already been tendered in accordance with UCC 3-603 et al. I have never had a contract or agreement with any third parties and I do NOT consent to them reporting any account to my credit report. I am invoking all rights under OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al. Please see 15 USC 6802 B ) OPT OUT below. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations All Charge off 's are certificates of indebtedness, which is considered income and must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
On Monday XX/XX/XXXX around XXXX I go to the ATM to deposit XXXX dollars from what I just made from work, it's raining really hard and everything on the screen is working until it comes time to deposit money, so I put the XXXX in. And then the screen freezes up for 3 mintues, and it says it's going to redistribute the cash back to me to try again but it never gave me my money back or confirmed the amount. So now my XXXX is gone.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
In XXXX  I was victim to bank hacking and false checks being deposited into my account after contacting XXXX and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to XXXX XXXX  and Early Warning Services causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX  account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In XXXX I was victim to bank hacking and false checks being deposited into my account after contacting XXXX and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to Chex systems and XXXX XXXX XXXX causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX  account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX I was victim to bank hacking and false checks being deposited into my account after contacting BOA and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to XXXX XXXX and XXXX XXXX XXXX causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called BOA

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
It has been 7 years and this record has been on my XXXX and XXXX. XXXX deleted once I went to the court house and notified them the courthouse did not report this information.

This information has been requested to deleted from Lexis Nexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the debt referenced by account number XXXX recently received communications rregarding this debt, and I am requesting validation and assignment of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

To assist in my review of this debt, please provide the following information : 1. Verification of the Debt : The original amount of the debt, the current amount, and a detailed account of any interest, fees, or charges that have been added.

2. Assignment of Debt : Documentation evidencing that the debt has been legally assigned or sold to your company, including the date of the assignment and the terms of the assignment or sale. 

3. Original Creditor Information : The name and address of the original creditor, as well as any account numbers associated with the debt when it was held by the original creditor.

4. Payment History : A detailed account of the payments made on the debt, including the dates and amounts of these payments.

5. Contract or Agreement : A copy of the original contract or agreement that created the debt, bearing my signature.

I kindly request that you cease all collection activities, including phone calls and written communications, until you have provided me with the aforementioned documentation. Failure to provide this information within 30 days of receipt of this letter will result in my considering the debt invalid and may prompt further action on my part to dispute this debt with the relevant credit reporting agencies.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to resolve this dispute.

Company response to consumer: Closed with non-monetary relief