vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX XX/XX/year> {$1300.00} XXXX XXXX XXXX Account details Account number XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # Account XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicated that the debt was canceled.

Under the FAIR CREDIT REPORTING ACT ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off 2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records are used in the reinvestigation process.

FCRA611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) 5 ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within 30-day period allowed by the law. 

Thank you for this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I requested my " payoff '' from my previous Mortgage Company so I could refinance. I recieved it 7 days later on XX/XX/year>. They dated it for XX/XX/year> I closed on XX/XX/year>. It left overpaid interest of {$1800.00}. 
When I called the Mortgage company yesterday, XX/XX/year>, they said their policy does not pay back overpaid interest. It's wrong. I had to pay it to close & it dropped my mortgage interest from 7.50 % to 4.99 %. They are refusing to pay me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, my minor son was in a minor car accident that involved another driver in a rental car from XXXX XXXX XXXX. At the time of the accident we called the police and notified our insurance. We thought the situation was resolved. 

Over XXXX year later, ( XX/XX/XXXX ) we received a letter from XXXX stating we owed XXXX This letter named my husband as the driver of the rental car, he was not. I contacted XXXX, explained the situation, was informed that the statute of limitations for collecting a loss claim under MIchigan no fault law had expired and that I should disregard the notice. Once again, I thought the issue was resolved. 

On XX/XX/XXXX I received a notice from National Commercial Services, ( a debt collection agency ) claiming my son owes them XXXX. I called them, explained the situation and was told my son was illegally driving a rental car as an underaged driver. He was not. Neither my husband nor my son were driving the rental car. 

I believe that XXXX failed to bill my insurance within the 12 month window to claim loss under Michigan 's no fault law. As a result they were trying to make us pay for the damages their rental driver incurred during the accident. 

In XXXX of XXXX I filed a complaint with CFPB ( complaint number XXXX ) and received a response that the case had been closed and that National Commercial Services would no longer be pursuing the claim. At the time I left feedback that I was concerned the issue was not truly resolved and that I would continue to receive requests for debt collection that I do not owe. 

Today, XX/XX/XXXX, I received yet another letter from National Commercial Services attempting to collect XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: CA

Complaint narrative:
I noticed this collection on my credit report in XXXX indicating a collection for an account opened in XX/XX/year>. I have no knowledge of this account, don't know what it's for. I suspect fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: AL

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/1982 ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX, Open date XXXX XXXX, Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and the following accounts are in violation of The Fair Credit Reporting act. I am asking that these inaccuracies be deleted from my reports and updated Immediately. These accounts are not properly validated, and the information is incorrect. Please delete these accounts, I ask when they are deleted that an updated copy of my credit report be mailed to me thank you. 

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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX WA XXXX XX/XX/year> TOTAL VISA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Collection Account and Request for Removal Dear TOTAL VISA, I am writing to formally dispute the accuracy of the collection account listed under my name with your agency, related to a Total Visa account. The details of the account are as follows : Account Number : XXXX Amount Claimed : XXXX According to the Fair Debt Collection Practices Act ( FDCPA ) and under 15 U.S. Code 1692c, I request verification of the debt, as I believe the amount reported is not accurate. Specifically, I believe there are discrepancies regarding. 
Furthermore, I kindly request that you remove this entry from my credit report, as inaccuracies can severely affect my creditworthiness. Please provide me with documentation verifying the debt and the amount claimed. 
If I do not receive a response within 30 days, I will consider the matter resolved in my favor and may seek further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
I am writing to formally request the removal of a closed account from XXXX XXXX XXXX listed on my credit report as a closed account with late payments, as per the Fair Credit Reporting Act ( FCRA ). This account has been turned over to an attorney. I am actively making payments towards this debt, and have been every month since XXXX of 2023 when the account was turned over to Attorney law office XXXX XXXX XXXX of XXXX Ohio. 

Under Section 1681i of the FCRA, consumers have the right to dispute any inaccurate or unverifiable information in their credit reports. Given that this account is closed and I am taking steps to resolve the outstanding balance, I believe its continued presence on my report is not reflective of my current financial responsibility.

Additionally, under Section 605 of the FCRA, accounts that are paid or settled may be removed from a credit report after a certain period. I kindly request that you review my situation and consider the removal of this account from my 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 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
Scott & Associates who is an attorney/debt collector is attempting to collect on a debt that I do not owe. I sent them a debt validation letter in response they sent me court paper which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: OH

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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and XXXX evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Initial check fraud on account ending in XXXX beginning on XXXXXX/XX/XXXX. A total of 15 checks came into the account on XX/XX/XXXX and XX/XX/XXXX. Two separate claims. All the fraud check item were retuned and funds given back to me. Good and Thank you. While waiting for the accrued interest to post so I could close the BofA account I made an XXXX XXXX payment but forgot to update the BofA account number. The account had been put on a no debit freeze, so I was told. The XXXX debit came into BofA and it was retuned as I expected once I realized my mistake. I can live with that. According to XXXX they retried the payment because they received the retuned ACH debit back with a return season of NSF. The account was frozen therefore the ACH should have been retuned as Account Frozen, this return code does exist and should have been used. Now XXXX is telling me I am not in good standing because of the NSF item. First, BofA makes the claim process difficult because BofA put it all back off on the account owner to keep calling back getting sent to department that don't even handle fraud. I spent least 15 hours on the phone this time and 40 hours two year ago when I had XXXX and ACH fraud on another BofA account. At the end of the day I am upset with BofA for using the NSF returned reason rather than account frozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CO

Complaint narrative:
Bank of America is still in violation of the federal FCRA law, by not correcting information in the data they send to the credit reporting agencies. This has been going on for over 90 days and has impact costs of tens of thousands of dollars of increased rate and monthly expenses. 
This account has always been on Auto Pay and therefore has always been paid on time. For XX/XX/2024, Bank of America are reporting a late notice ( 30 or 60 day ) to the credit agencies. That is not correct. There was some internal payment processing error on Bank of America 's side - a support person informed me of that -- and so it is there fault they didn't take a monthly amount correctly with their own Auto Pay system.

Again, this account has always been on Auto Pay, and therefore has ALWAYS been paid on time. There should be no 30, or 60, or 90 day late notices. It should be marked and reported as always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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