vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-22 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: IL

Complaint narrative:
I am writing in reference to my ongoing concerns regarding the accounts in question and TransUnion conducting a thorough investigation. Your prior correspondence failed to provide any substantive evidence demonstrating that a comprehensive investigation was conducted into my complaints. This omission not only undermines your credibility but also fails to meet the standards of accountability expected in such matters. 

Failure to Address Core Issues It is concerning that you have deliberately omitted any mention or investigation into the account held with XXXX XXXX, despite its explicit inclusion in my complaint. This omission raises serious questions regarding your methodology and impartiality in handling consumer complaints. The absence of detailed findings for all accounts under scrutiny is unacceptable and suggests a lack of thoroughness or an intentional disregard for due diligence. 

Requirement for Verification I demand a clear and detailed explanation of your method of verification for each accounts I have disputed. It is your obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, to conduct a reasonable investigation into disputed information, ensuring its accuracy and integrity. Your failure to do so constitutes a violation of federal law, as defined under XXXX XXXX XXXX, which mandates a duty of care and accountability in handling consumer data disputes. 

Legal Noncompliance By refusing to investigate and provide results, you may be in violation of : 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) : The duty to investigate disputed information promptly.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C-D ) : The duty to report the results of investigations and correct any inaccuracies found. 
15 U.S.C. 1681i ( a ) ( 6 ) : The obligation to notify the consumer of the results of the reinvestigation, including the procedure used to verify the accuracy of the information. 
These statutes are not discretionary ; they impose mandatory obligations on your agency. Your failure to comply with these requirements not only infringes upon my rights as a consumer but also demonstrates a lack of adherence to regulatory standards. 

Demand for Action I hereby request : A detailed explanation of your investigative process for each disputed account, including the specific methods of verification used. 
The results of any investigation you claim to have conducted, accompanied by supporting documentation. 
Immediate attention to the account with XXXX XXXX XXXX, which was improperly excluded from your prior review. 
A written explanation addressing why my concerns were not adequately investigated in compliance with federal mandates.

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 2024-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX of this year my mortgage loan was transferred from Bank of America to XXXX.I was not aware of this until I called to make my payment over the phone through there automated system ( which I have done for years ). There was a document dated XX/XX/XXXXXXXX  regarding the transfer, but I did not see that notice until after the XXXX of XXXX. I contacted XXXX to make my payment. I was told more about the transfer and that nothing would change with my monthly mortgage payment ( {$1100.00} ) and I could still pay over the phone. I made the payment for that month at that time ( XX/XX/XXXXXXXX  ). In XXXX I received a call from XXXX stating that I now owed XXXX. There was an additional {$4300.00} that was past due. I had never heard of this before. When my loan was transferred from Bank of America, there was no mention of any amount owed other than my monthly payment which was current. This was my second conversation with the XXXX, there had never been any mention of these past due charges. The person I spoke with said she could not see what the charges were for, I would have to contact Bank of America or send a letter to XXXX to dispute the amount. I again made my payment for that month ( XX/XX/XXXXXXXX  ) After the transfer of the loan I received another document dated XX/XX/XXXXXXXX   regarding recent activity with my escrow account. There seemed to be discrepancies in the amounts paid out for homeowner 's insurance. XX/XX/XXXXXXXX  I contacted XXXX XXXX on the payments made from the escrow account and received a print out. I contacted Bank of America also on XXXX. There was a payment of {$1600.00} that was paid according to this document near XX/XX/XXXX and on XX/XX/XXXX another XXXX. According to XXXX XXXX, the {$1600.00} was the payment for last year ( XXXX ) I felt XXXX XXXX XXXX was not giving direct answers to my questions and could not explain where the " past due '' amount had come from, there was no mention of any past due charges prior to to the loan transfer. I told them I would file a complaint with CFPB for a resolution.

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 2024-11-21 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-21 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 have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Discount Tire credit card through synchrony bank and had a credit limit of {$800.00} dollars charged on it twice and paid it off both times and they lowered my credit limit down to {$250.00} and now Im trying to purchase tires for my wifes car and cant do it because they lowered my credit limit down.

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 2024-11-21 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: SC

Complaint narrative:
My rights under the Fair Credit Reporting Act ( FCRA ) and related U.S. codes. Several inaccuracies and unauthorized actions were reported on my credit file, causing me significant distress. 

First, under FCRA Section 616, the reporting agencies accepted and shared inaccurate information about me without verifying its accuracy. This willful noncompliance exposes them to civil liability of up to {$1000.00} per violation. 

Additionally, under FCRA Section 603 ( d ) ( 2 ) ( A ), they failed to inform me of my right to opt out of having my personal information shared, an obligation designed to protect my privacy as a consumer. 

Furthermore, per FCRA Section 623 ( a ) ( 3 ), inaccurate accounts and inquiries were furnished to my credit report without proper validation. This failure to verify debts and inquiries violates Generally Accepted Accounting Principles ( GAAP ) and is considered deceptive. 

The Debt Collection Practices Act was also violated, as collectors engaged in unfair practices, including harassment and reporting false debts, leading to unnecessary contact from creditors. 

Theres also evidence of noncompliance with rules concerning the disclosure of debts to third parties, in violation of Acquiring Location Information Regulations. My private information was shared with unauthorized parties, causing reputational harm. 

The credit reporting agency inaccurately reported late payments without clarifying what constituted late payments. This violates FCRA Timely Payments Regulations by misrepresenting payment history in a deceptive way. 

Additionally, there was a failure to correctly calculate finance charges, which violates the Finance Charge Determination rules under credit reporting standards. 

Finally, under FCRA Section 1681b ( a ) ( 2 ), multiple unauthorized hard inquiries were made on my credit report without my written consent, further breaching permissible purpose requirements.

I have requested that the inaccuracies, unauthorized hard inquiries, and unverifiable debts be removed immediately. Specifically : I demanded validation under 15 U.S.C. 1692g for certain debts. Without proper verification or signed agreements proving liability, these items must be deleted from my credit file. 
I also called for the removal of unauthorized hard inquiries made in violation of 15 U.S.C. 1681b ( a ) ( 2 ). 
If the reporting agencies and debt collectors fail to address these violations promptly, I will pursue legal remedies under the Fair Credit Reporting Act to ensure my rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: OH

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 explanation
Consumer complaint received 2024-11-22 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: Early Warning Services, LLC
State: MI

Complaint narrative:
Hello I have made several attempts to dispute the incorrect information reporting on my profile with XXXX XXXX and has been unsuccessful. This has caused me to loose out on credit and other resources needed to run my life. 
I have not been disclosed any verifications of debt and my rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: WV

Complaint narrative:
Hard Credit Pulls on XXXX XXXX and Equifax that were never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company WFBNA AUTOXXXX XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

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 2024-11-22 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 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: TX

Complaint narrative:
As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2024-11-22 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: TX

Complaint narrative:
As per 15usc 1611 XXXX  XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief