vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I mailed a letter to Experian disputing information on my credit report. They received the letter and responded by sending me an email stating that they did not believe the letter came from me. I gave them a call the same day to let them know that i did indeed send the letter and that they needed to continue with the dispute process. The agent i spoke with then told me that they could not and i would have to file a dispute online or via phone for them to continue processing any disputes. I explained to them that they were violating my consumer rights and i did not want to process disputes online or via phone because that waives certain rights that I would only have from putting disputes into writing and mailing them. I asked to speak to a supervisor. I was told one would give me a call back within 24-72 hours. Here we are a week later and i have not heard from any supervisor. The same day of the phone call disputes were open only on 3 accounts. The letter i mailed in disputed 7 incorrect accounts. They chose 3 accounts to 'reinvestigate ' left the file open for a week and closed the disputes. I did not get proper investigation for any of the accounts that i disputed in my letter.

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 2024-02-02 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 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 2024-02-02 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to XXXX XXXX XXXX and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.

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 2024-02-02 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: PA

Complaint narrative:
XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Method of Verification Request Report Number # XXXX. 

To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , verified the account they are reporting is accurate. When in fact these accounts were the result of Identity theft. You had the ability to use the e-Oscar System to request a BRR, a police report was sent and FTC Id Theft Affidavit. However, you failed to do so. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The Institution in question took my ( XX/XX/2023 XXXX XXXX XXXXXXXX payment from the VA. They also took existing funds that were in my account at the time. They did this in order to replace funds that were fraudulently taken from my account. Those actions occurred without my knowledge. The amount they penalized me for was roughly about {$1800.00} +/- Prior to the aforementioned happening. I advised the institution that my debit card had been lost/ stolen during the time my checking account was compromised. There were transactions that had been debited to my account. Which actually took place in another state. I disputed all of those charges and transactions. However, they still took away my funds .... There actions caused a personal hardship for me and my family!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: PA

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Complaint about Citibank Credit Card On XX/XX/XXXX a credit card ( XXXX  ) and money were taken from my wallet while I was playing tennis at the XXXX XXXX XXXX in XXXX DE. Charges were attempted with my XXXX card at a local gas station. I received a fraud alert from XXXX and the card was cancelled. 
My Citibank card was also in my wallet, and a purchase was attempted at the XXXX XXXX # XXXX in XXXX DE with my Citibank credit card. An email was sent to me at approximately XXXX XXXX  on XX/XX/XXXX, while I was still at the country club playing tennis. I received an email that the charge was declined on XX/XX/XXXX. I called Citibank as soon as I became aware of the fraudulent charge. This was done on XX/XX/XXXX at approx XXXX XXXX.. The Citibank card was still in my wallet, though suspect that it was compromised, given the theft of the XXXX XXXX and money from the same wallet. There was also a piece of black cloth, resembling a piece of stocking left in my purse after the theft. I also filed a police report with the XXXX XXXX XXXX Police department. complaint number XXXX. 
Citibank has posted the charge for {$2300.00} to my card for this fraudulent charge. Stating that I had shopped at that same XXXX XXXX in the past. 
I ask that the charge be removed from my card.

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 monetary relief
Consumer complaint received 2024-02-02 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: PA

Complaint narrative:
As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2024-02-02 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am requesting My payment history to be deleted from all 3 credit XXXX, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XXXX  2023.  I Lost my Dearest grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.

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 2024-02-02 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: IA

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC
State: NY

Complaint narrative:
I am disputing the adequacy of your response to my previous requests for debt validation. Your claim that there's no legal basis for my request for your state license and other verifying information is also in dispute.

Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I have the right to ask for and receive validation of the debt you claim I owe. This includes documentation verifying your authority to collect this debt in my state. The bank statement you provided does not meet the legal requirement for debt validation. It doesn't constitute documentary evidence of the original debt or your legal standing to collect it. 

The Gramm-Leach-Bliley Act ( GLBA ) requires entities involved in debt collection or reporting to ensure the privacy and protection of consumer information. This includes obligations to disclose collecting agency information when requested. Your absence from the New York State Corporation and Business Entity Search database raises questions about your compliance with state regulations and your legal authority to operate within my state. 

The case law you referenced ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) doesn't release you from your obligation under federal law to provide consumers with the requested validation and licensing information. The Federal Trade Commission 's Statements of General Policy or Interpretation Staff Commentary on the FDCPA stresses the importance of providing consumers with clear and accurate information about their debts and the identity of those collecting them.

Reporting the amount owed without proper validation is inaccurate reporting under the FCRA. This could unjustly impact my credit report and score. This misrepresentation of debt violates my rights under 15 USC 1611, which requires accurate reporting of consumer debts. 

With these points in mind, I repeat my request for the following : 1. Proper validation of the debt, as required by 15 USC 1692g, including original creditor information and detailed account statements.

2. Evidence of your authority to collect this debt in my state, including state licensing information as applicable.

3. Immediate correction of any inaccuracies reported to credit reporting agencies regarding this debt, in compliance with 15 USC 1611.

I appreciate your efforts to close the account and cease communication as requested. However, you must comply with the above-mentioned legal requirements to fully resolve this matter and protect my rights as a consumer.

Please provide the requested documentation within 30 days of receiving this letter. Failure to comply may result in further action, including complaints to regulatory authorities and consideration of legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: IN

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of inaccurately reported late accounts on my credit file. Banks acknowledged the error due to a system glitch, couldn't provide records, and agreed over the phone to remove them. Please update my credit report to reflect a positive status or as closed/never late. 
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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Incorrect employment XX/XX/XXXX Wrong person

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 2024-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
When I called the Bank of America to close my credit card accounts ( one ending in XXXX and the other ending in XXXX ) they reported on the XXXX account that it was closed by consumer but on the XXXX have not changed the closing comment from Closed by XXXX XXXX to Closed to consumer. On XXXX I entered the local branch of Bank of America on XXXX XXXX in XXXX, Ohio who spoke to a credit card customer service representative in their financial center about the issue who insisted my previous complaint was closed and that the issue was the credit reporting services. The XXXX XXXX XXXX stated it was the bank that reported the information incorrectly.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: IN

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation