vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-08-15 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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:
To whom it may concern, Please permanently remove the negative collection/derogatory items from my credit profile for XXXX XXXX XXXX XXXX amount of {$480.00}. 
The company agreed that this could not be validated according to the FCRA and sent a notice of removal to XXXX credit bureau however it keeps re-appearing on my TransUnion after they remove it. This item also needs to be removed from XXXX and XXXX as they have confirmed they were not able to validate this debt. 

I have attached document to show proof of this being invalid debt reporting to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear Sir/Madam : I have been having issues with US Bank since XXXX of XXXX when I paid off most of my loan ( principal ). Furthermore, I paid off the remaining on XX/XX/XXXX, in the amount of {$690.00}. 
On XX/XX/XXXX I sent a check for {$690.00} and specifically wrote in the comment for US Bank to apply it to the principal of the loan which they refused to do. Before this in XXXX of XXXX US Bank took away my access to make payments online and the only way to make payments is through USPS mail. I have disputed the insurance part of the loan which was the only outstanding part of the loan a policy that US Bank placed two policies on my property in XXXX of XXXX after expired dates ( XX/XX/XXXX and XX/XX/XXXX. ) and after they caused my policy to lapse as they did not pay it. 
On XX/XX/XXXX I returned home to find that US Bank had created a loan modification for {$0.00} which they placed there which is a fraudulent move by that bank to extort extra funds from the customer. Before this, I called US Bank several times and asked for the balance but they refused to do so. US Bank vindictive did not pay this customer 's insurance policy to place their policy and further placed a XXXX on the customer 's account to harass her for more funds. 
After applying all but a XXXX to the account, US Bank created a Modification without the mortgagor 's request and or knowledge and added to her account to pay an additional {$2300.00} due to {$0.00} owed on the balance which was paid previously in full. 
US Bank has caused months of pain and suffering to this customer. Even though I paid off my loan whose maturity date is XX/XX/XXXX US Bank refused to provide anything to release this account from US Bank. 
I have a second Mortgage ( noted as the recoverable corporate Advance on the US Bank account ) that will not begin until US Bank Home Mortgage ends. 
Finally, in XXXX of XXXX, I found out that my property has three policies which were placed in about XXXX of XXXX ( one from the mortgagor and two from the bank ) which I disputed. The mortgagor has issues with Us Bank paying the mortgagor 's insurance policy as required of them. Us Bank placed a XXXX on the account even though they received the full amount and also sent a false report to the mortgagor credit is appalling.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please assist me in regards to some XXXX items that are showing on my XXXX i already provided the XXXX documents the last time you asked me to provide together with the XXXX letters and the specific accounts that I wanted to be removed from my 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 2024-08-14 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am filing this complaint against ChexSystems XXXX XXXX for their failure to conduct a proper investigation into my dispute regarding inaccurate information on my consumer report. Despite providing all necessary documentation and evidence, ChexSystems failed to correct the inaccuracies, leading to continued reporting of incorrect information. 

This failure to investigate properly has resulted in significant harm to my XXXX XXXX, financial standing, and has led to denials of credit and higher interest rates. ChexSystems actions, or lack thereof, constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681. 

The specific violations include : XXXX. Failure to conduct a reasonable investigation of my dispute, as required by 15 U.S.C. 1681i. 
XXXX. Continued reporting of inaccurate information, violating 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 
XXXX. Potential civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with FCRA requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any XXXX entries from my XXXX XXXX, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to inaccurate and misleading information reported on my credit report and several violations of my consumer rights. 

Details of the Complaint : Inaccurate Credit Reporting : In XX/XX/year>, I made a payment to XXXX XXXX XXXX that brought my balance to {$51.00}. Following this, my account was closed. Despite this, XXXX continued to charge maintenance fees and late fees in XXXX, XXXX, and XXXX on the closed account. Reporting late payments on a closed account is misleading and damaging to my creditworthiness. 
Misleading Communications : XXXX failed to provide any formal written notice regarding the closure of my account. I only received conflicting information from customer service representatives, which further added to the confusion. 
Failure to Provide Notice of Adverse Action : XXXX has not provided the required notice of adverse action within XXXX  days of closing my account, which is a violation of the Equal Credit Opportunity Act ( ECOA ). 
Violations : Fair Credit Reporting Act ( FCRA ) : XXXX violated FCRA by reporting inaccurate information, including reporting late payments on a closed account and continuing to report balances on a closed account. 
XXXX XXXX XXXX : Aspires reporting practices are inconsistent with XXXX XXXX guidelines, particularly in terms of reporting a closed account with an active balance and inaccurate status codes. 
Truth in Lending Act ( XXXX ) : XXXX failed to provide accurate disclosures regarding the closure of my account and the fees being charged after the account was closed. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Aspires inconsistent information and lack of transparency violate the Consumer Financial Protection Act 's UDAAP standards. 
Request for Resolution : I respectfully request the CFPB to investigate XXXX XXXX XXXX ' practices and compel them to : Cease reporting inaccurate information on my credit report. 
Correct the existing errors, including the removal of any late payments on the closed account. 
Provide a clear explanation and settlement of the debt at the original balance rate, if applicable. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received an email from XXXX ( an email address which I do not have in my contacts ). on Tuesday, XX/XX/year> at XXXX PM with an attachment advising me that : " your XXXX for billing : XXXX '' was over due. 
The attachment was an invoice from PayPal with a phone number XXXX and an XXXX XXXX of XXXX. 

The attachment read : your order has been successfully placed and the purchase receipt will appear on your account within the next XXXX hours. The amount of USD XXXX has been charged to you and will be debited from your account. 
XXXX XXXX XXXX XXXX XXXX for all devised {$550.00} - Transaction Fee {$25.00} Total {$570.00} Payment will be auto-debited from my XXXX, please note that it XXXX take a little while for the charge to appear in the recent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX CAN NOT FURNISH AN ACCOUNT WITHOUT MY XXXX XXXX. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: NV

Complaint narrative:
Hello and good day, I have made several attempts to request a pay off statement from XXXX XXXX my current mortgage lender. They have spent countless days delaying me every step of the way for this document. 
last attempt - XXXX XXXX : pm EST XX/XX/year> - called customer service delayed and had the try to make me stay wit teir company. 

On XX/XX/year> I submitted a request for my mortgage payoff statement via phone call and email. This document is crucial as I am in the process of closing on a new home, and the closing date is approaching rapidly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I received a notice from XXXX about a collection reported against my credit today. I called the phone number on the report. I spoke with " XXXX XXXX ( refused his last name ). He said he was the only supervisor. He refused to tell me what the debt was for, or who was his client. He said " All I know is it's a medical bill. We buy it from XXXX XXXX and do not know the details ''. He continued to yell in the phone. Said he " would not allow me to take control of the conversation '' because I told him I wanted to know exactly what this debt was for and why have I not received notice by mail. He said they " bought '' the debt on XX/XX/2024 and would NOT tell me anything. He finally hung up on me when I told him I knew the FDCPA and he was in violation of that collection law. I had to call back again, this time I spoke with a girl named XXXX. She told me it was a XXXX XXXX XXXX. I have XXXX. My hospital bills are paid. I should have had the right to dispute this collection in writing prior to it being placed against my credit. This company refused that. This company also refused verification of this debt in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone helped me open up a credit card. Immediately after I activated the card, I received a call from someone pretending they are the bank. They told me it was fraud on my account and asked me for my account information to resolve the issue. I gave it to them and after the told me I wont have access to my card or online bank until I receive a new card. Unbeknownst to me, my card was being used during this period. I attempted to use my card on my trip in texas and it worked so I continued to use it in texas. When I came back to XXXX I made a couple more transactions before my card declined. Immediately after it declined the bank called and told me the same story on how there is fraud going on and I cant use my account and itll be closed. I still didnt have access to my online. Fast forward XXXX  years later, boa contacted me trying to have me pay back the credit. I explained to them what they had told me which they denied. Thats how I found it I was being scammed. So, I filed a fraud claim with Bank of America. They ignored specific information just so they can deny my claim. They say it was payments made on the account which wasnt made by me or an account linked to me. Theres about $ XXXX worth of fraudulent transactions. The transactions with a yellow strip next to it is fraud ( see attachments ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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:
Please assist me in regards to some XXXX items that are showing on my XXXX, i already provided the XXXX documents the last time you asked me to provide together with the XXXX letters and the specific accounts that I wanted to be removed from my XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NV

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$0.00} I have previously XXXX the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my 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