vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: NV

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXXXXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-10-24 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:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-10-24 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:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I tried to withdraw {$2000.00} ( XXXX XXXXXXXX XXXX  ) from an ATM at a Chase Bank branch. The money was withdrawn from my account, but I didnt receive the cash, nor did I receive a receipt. I immediately called support and filed a claim, but it was denied a few days later. 

Afterward, I contacted support again. They informed me that the claim was denied because I didnt provide proof of the transaction, such as a receipt or a picture of an error code from the ATM. However, the ATM didnt print a receipt or display an error code, so it is impossible for me to provide this proof. 

I attached screenshots of the operation and the claim update. 

Date and time of the incident : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 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:
I identified billing mistakes on my credit report, including incorrect late payments. Kindly fix these errors and update my 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 2024-10-24 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: AZ

Complaint narrative:
XXXX XXXX  stated they are removing this from my credit report, but on my report it appears updated and remains not 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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are late payments on this account ( XXXXXXXX XXXX XXXX XXXX XXXX which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being added to my credit report. I am requesting that the following accounts be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX Account 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 2024-10-24 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting a debt on my file that is not mine. Years ago I was in an accident and ended up in the hospital. I had to hire a lawyer who showed the insurance the cost of my medical expenses and insurance paid 100 % of my bills. I have not been to a hospital since. This collection could not be mine, I called the hospital who advised my bills were all paid up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I'm letting you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : BRIDGECREST Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
This company is attempting to collect a debt that is not owed by me. I have repeatedly asked the company to submit proof of debt ownership. They have repeatedly ignored my request and not provided and valid proof that I owe this debt. They have reported this debt to XXXX and I have also requested they remove that debt. The have not done so. they are attempting to collect {$140.00} that I do not owe to them. I have sent certified letters requesting proof of valid debt ownership. Yet the company has ignored all request and provided nothing. Contact info Name NATIONAL CREDIT SYSTEM Address XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX I have asked for them to please provide me with ALL of the following : XXXX. Agreement with the original creditor that authorizes you to collect on this alleged debt. 
XXXX. The original agreement bearing my signature stating that I have agreed to assume the alleged debt including the original date the alleged debt became payable. 
XXXX. Valid copies of the original alleged debt agreement stating the amount of the debt and interest charges including the date of the original charge off and delinquency. 
XXXX. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Provide proof that you are licensed to collect in the state of Georgia ; and 7. Your license numbers and Registered Agent. 

The company refuses to send the information or communicate at all. The address listed is not a real address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> Bank of America garnished my account in Florida of which I am a resident with a subpoena for information provided for them by NY attorney XXXX XXXX from the civil court of NY on XX/XX/year>. They did not obtain a writ of execution or a domestication order from the clerk of courts of XXXX XXXX Florida of which i am a resident allowing them to garnish my Bank Of America account. When I went to bank, they told me to call the law office of XXXX XXXX and ask them to send me the paperwork, that when BOA receives a subpoena, they hold the funds. Again it is a subpoena for information, and not a Writ of Execution. They have already released the funds to the attorney. I need proper documentation that shows me they followed the banking laws for garnishment for Florida. Also, when I asked the bank manager, she informed me that, the released the funds because my account was originally opened in New Jersey, so this is why they released the funds. I told her, but for the last 5 years I've lived in Florida, she said it didn't matter. One issue with that, my account was actually opened in Florida, in XXXX to be exact. They were not helpful, and they broke Florida 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 2024-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received an alert from Experian Credit Reporting that an inquiry was placed on my credit file. Due to the fact that I have no access to the company that placed an inquiry on my credit report, I contacted Experian Credit Reporting on XXXX at approximately XXXX. 
I spoke with an representative XXXX, and informed her that I was calling to dispute an Inquiry from a XXXX XXXX. I let her know that I have not applied for any credit since XX/XX/year>. We started to advise me to contact the company that placed the inquiry and that there wasn't anything she could do. 

I informed her that I did not have any information about XXXX - XXXX XXXX, that I do not know how they obtained my personal information, and this is why I was contacting them to assist me with disputing the Inquiry. XXXX XXXX goes on the state that the XXXX would stay on my credit report for 2 years, that I can contact the company, ask them about it and have them to contact Experian. 

I know that I have Consumer Rights under the 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 2024-10-24 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: TX

Complaint narrative:
I requested from Experian that they investigate the collection that was put on my credit report from a collection company. I advised them that I never signed or agreed to pay the collection from the collection agency. I also advised Experian that I sent the collection agency a validation letter and requested that they validate the debt, but the collection agency never sent me the validation letter. Also, the other credit bureaus XXXX and XXXX who had the same information were able to delete the collection from my credit report. I am requesting that Experian remove the collection from the credit report.

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 2024-10-24 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: NV

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( s ) XXXX XXXX XXXX XXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I am making my payments on time as they are scheduled monthly. However, over the last 6 months I keep getting told that my account is past due. I have been working with a manager named XXXX XXXX? ) to rectify this and she continuously tells me just pay this amount and the account will be current, the reason you are past due is because your payments are debiting after the due date so if you just pay ahead then it wont be that way. I have done this at least XXXX times now, however the issue persists. I have reached out for help almost a week ago now and have not heard back. I contacted my states ombudsman for student loans and they instructed me that this issue would be better resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
We have a homeloan with Newrez. I received a notice from XXXX on XX/XX/XXXX that I was reported as 30 days past due on my home loan. I called Newrez, and they said that my XXXX payment was rejected for lack of funds. It is an automatic withdrawl from my savings account. I went to XXXX XXXX, and not only did I have approximately {$30000.00} in my savings account the entire month of XXXX, ( my monthly payment is {$1200.00} ) but XXXX did not have any record of Newrez attempting to withdraw money. Newrez claims they sent me a letter to inform me. I didn't recieve a letter. They did not attempt any other form of communication, so I didn't even know about the problem until XXXX told me that Newrez reported me. My credit rating went down almost 100 points. I have called to complain to Newrez and have also sent them a message through my Newrez app, and have not heard anything from them.

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 2024-10-24 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: NY

Complaint narrative:
The credit bureau and the collection companies have willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report. I sent the companies a 1692G ( b ) letter requesting specific information however they did not provide the information to me and instead they decided to willfully violate the Fair Debt Collection Practices Act. Thank you.

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 2024-10-24 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:
The credit bureau and the collection companies have willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report. I sent the companies a 1692G ( b ) letter requesting specific information however they did not provide the information to me and instead they decided to willfully violate the Fair Debt Collection Practices Act. Thank you.

Company response to consumer: Closed with explanation