vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXXXXXX XXXX XXXX, account number : XXXX Source of dispute information : XXXX XXXXXXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/2023 Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX XXXX XXXX XXXX every month without exception. My XXXX XXXX Payment history bank printout is attached.

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 2024-06-15 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: VA

Complaint narrative:
Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXX XXXX  mortgage, account number : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/2023 Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX  XXXX XXXX ) every month without exception. My XXXX XXXX XXXX history bank printout is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: VA

Complaint narrative:
Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXX XXXX  mortgage, account number : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/year> Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX  XXXX XXXX ) every month without exception. My XXXX XXXX Payment history bank printout is attached.

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 2024-06-15 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: Veros Credit, LLC
State: CA

Complaint narrative:
They re opened a closed account with XXXX just because I am currently disputing the charge off with all the credit bureaus yet they dont provide information and information is missing, they have had many errors and I ask for this account to immediately be taken off my credit report. The account was closed and all of a sudden its open again. These are methods that are against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am requesting that the account status of XXXX XXXX XXXXXXXX XXXX XXXXXXXX be changed to CLOSED. This account is closed. The information is inaccurate on my credit reports.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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:
They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by XXXX consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding my Bank of America credit card account. Despite managing my account responsibly by maintaining a low or XXXX balance and never missing a payment, Bank of America suddenly reduced my credit limit from {$5000.00} to {$1500.00} without prior notice or valid explanation. Subsequently, they closed my account without consulting me, citing inactivity as the reason when I contacted customer service. This action was taken without warning or an opportunity for me to address the inactivity. The unexpected reduction in credit limit and account closure has severely impacted my credit score by reducing my overall available credit and increasing my credit utilization ratio. I contacted Bank of America on [ Insert Date ], but their response did not address my concerns adequately. I am seeking assistance from the CFPB to have my credit limit reinstated to {$5000.00}, my account reopened, and to receive a clear explanation of Bank of America 's policies on account inactivity to prevent future occurrences of this nature. This incident has caused significant stress and financial difficulty, and I request the CFPB 's help in resolving 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 explanation
Consumer complaint received 2024-06-15 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX ( late payment ) XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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/XXXX 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 seven 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 of 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 2024-06-15 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my profile. These accounts are hurting my ability to obtain credit and purchase a home for my children. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the accounts I am asking you to verify accuracy : Experian : XXXX XXXX XXXX. account number- XXXX name- XXXX XXXX. account number- XXXX name- XXXX XXXX XXXX account number- XXXX name- XXXX XXXX XXXX account number- 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 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX XXXX sold my information without me knowing it to Calvary Portfollio Services, LLC. My credit card was hacked. I noticed unknown activities being done on my card. I called XXXX XXXX and told them this. I also told them to freeze my card and I destroyed mines after knowing that thieves were running in and out of my new home. I was paying monthly but it just got out of hand. The next thing I know this collections agency has been blowing me up about payments or pay the full amount on this credit card. So Im suppose to pay for this card and thieves abused the card. This collections service is eating my was good credit up. This card has been used through Identity Theft and several other cards as well. I received an email from XXXX XXXX XXXX from XXXX XXXX. It showed me this information like Im on the black wed site my SSN and Driving License has been hacked. I have a collections agency calling me pretending to be XXXX XXXX, there telling me I have a bill for {$1300.00} sum for a loan. I told them its not me I havent been to XXXX last year or have any plans on going there. They call my number daily. I had a law firm look into it they told me to disregard there calls cause they dont exist. 
Im trying to get this collection agency resolved with knowing Ive been hacked in many ways, please assist me with the removal of this unfortunate misery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: OH

Complaint narrative:
This account is being reported inaccurately on my credit profile. This account has been closed/charged off. The credit bureau 's is reporting it as open with a late status. I have reached out well over five times to the each credit bureau asking them to correct this error. .They have yet to reinvestigate this matter accurately, and they keep reporting the account inaccurately.. Please be advised, This error, has greatly affected my lively hood and has greatly impacted the good standing of my credit score, and my ability to apply for credit. I have attached, my credit card statement to validate my stance. Please update and/ or remove this item from my credit profile, as it is a violation of my consumer rights according to section 609 ( a ) and 15 ( U.S.C ). 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 non-monetary relief
Consumer complaint received 2024-06-15 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: OH

Complaint narrative:
This account is being reported inaccurately on my credit profile. This account has been closed/charged off. The credit bureau 's is reporting it as open with a late status. I have reached out well over five times to the each credit bureau asking them to correct this error. .They have yet to reinvestigate this matter accurately, and they keep reporting the account inaccurately.. Please be advised, This error, has greatly affected my lively hood and has greatly impacted the good standing of my credit score, and my ability to apply for credit. I have attached, my credit card statement to validate my stance. Please update and/ or remove this item from my credit profile, as it is a violation of my consumer rights according to section 609 ( a ) and 15 ( U.S.C ). Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2024-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TriVerity, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX sold my past debt to TriVerity collection agency. This company by law has no legal standing to contact me in any way... phone, mail, or otherwise. Any violation of this will lead to Civil litigation. I have never entered into any legally binding contract with TriVerity. If in question, Triverity must show the original contract, with my signature binding our agreement. They are not allowed to report their illegal position on my credit bureau, This will be Triverity acting in fraud... imposing as the Original Creditor!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
i sent midland credit management a usps certified letter : XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX for all of the alleged debts of {$1200.00} ; XXXX ; and XXXX that they say i owe. i have not heard from them and the inaccurate information is still being reported on my credit report after i told them to cease and desist. They never gave me the documentation requested, per 12 CFR 1006.34 and 12 CFR 1006.38, which is a violation. 
this unverified information is damaging my credit and causing me XXXX. 
i have attached copies below for your reference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
ABSOLUTE RESOLUTIONS INVESTMENTS , LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.1692 ( G ) Section 809 ( B ). 
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Since XX/XX/XXXX, USAA has been withdrawing money from my checking account to pay for a USAA credit card ending in XXXX. I do not have a credit card with USAA. I am the only authorized user of my checking account. I have no way of knowing who the credit card belongs to. The only person who was ever associated with my USAA membership was my ex-husband, however we divorced in XXXX and he was removed as a family member on my USAA profile. I have reported this as fraud to USAA. I have made disputes and attempts to stop payment, but USAA has not provided a resolution stop these fraudulent withdrawals and return the money that was stolen from my account. I am prepared to bring this matter to Small Claims court if USAA does not offer a reasonable resolution. 

Most recently, I reported the fraudulent activity on XX/XX/XXXX in the amount of {$1000.00}. I attempted to stop payment. They replied on XX/XX/XXXX saying they were unable to stop payment because the charge was a one-time internal debit and not a preauthorized recurring transaction. They have failed to acknowledge that I have not authorized any payments for this credit card. I have reached out to member services, but am awaiting a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation