vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
SUMMIT ACT RES is alleging I owe a debt I do not. I have no obligation under law to pay any debt I did not go into a contractual agreement with. Federal law states just because a contract is transferred does not give collection rights. Is Summit Account Resolution stating they are above federal law? If Summit Account Resolution believe that they have rights to collect this debt with a signature from me that states we went into an agreement otherwise what you are attempting to do is violate me and I will immediately file legal action for violation of my federally protected rights. I refuse to pay this debt send my contract back to the original creditor. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: WI

Complaint narrative:
I have sent a letter in XX/XX/2024, XX/XX/2024, and XX/XX/2024 and each time I requested verifiable documents that state my signature from XXXX and Experian proving that I owe {$790.00} and I don't have any communication from XXXX. 

XXXX or Credit Reporting Company is unable to provide any documentation what so ever that proves I owe this. A few years ago I fought this and it was removed and now it was added back on and I am trying to get to the bottom of this incorrect information once again.

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 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Zillow Group Inc.
State: GA

Complaint narrative:
The lender did not provide the Final Disclosure within the 3 days before the closing. I was going to close on XX/XX/XXXX, and the final disclosure was there with the closing legal firm and never shared with me before that. On previous disclosures they confirmed an USD XXXX to bring to the closing and just then and there I was surprised with USD XXXX The first estimate was provided on XX/XX/XXXX and that disclosure was correct with a USD XXXX, but the following estimates in were around USD XXXX. 
Given that they did not send the Final Disclosure I contacted the lender the day before and he provided the same amount ( USD XXXX ) and to transfer some additional money just in case some minor change. I wired USD XXXX. 
On XXXX the second ready to sign everything they sent the legal firm ( not me ) that I need to bring to closing USD XXXX. 
I was able to transfer the money, but they impacted my cashflow to do the moving, and improvements that I needed to do to my new house. 
Also, they deleted all the inaccurate disclosures from the system and now I can 's access them. I only have access to the first estimate ( that it was ok ) and the final one because I signed it at the closing. 
I do have though the text messages with the lender confirming the closing number just the day before. 
In summary they failed to comply with the rule to share the Final Disclosure 3 days before and impacted me in my cash flow and final decision making process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: VA

Complaint narrative:
Between XXXX, XXXX, and XXXX many details including : high balance, date of last activity, creditor remarks, and last payment are being reported differently violating my right as a protected consumer according to 15 USC 1681 to accurate and fair credit reporting. 
Also, Happy Money states in their privacy notice the promise that they do not share with non-affiliates which include all 3 credit companies I have listed in my beginning statement. This is a violation of my rights under 15 USC 6801, 15 USC 6802, and 15 USC 1681b. 
Furthermore, this account is allegedly charged off which means I should have received a 1099 cancellation of debt form from the IRS and that never happened rendering this reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was told XXXX my Bank of America account was closed and I didnt the reason but I was young I didnt care 4 years later Im trying to get my credit up I look up reason why I couldnt get one and I see fraud under my Bank of America account and now I cant get any bank so I called early warning they sent me a mail and I see account I didnt open and addresses I never stayed In

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 2024-04-18 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: CA

Complaint narrative:
Consumer reporting agencies XXXX XXXX, XXXX, and Equifax did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by USPS Certified mail. The following are my most recent notices to the credit reporting agencies. 
XXXX. XXXX - USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. Equifax - USPS CERTIFIED XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. XXXX XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: CA

Complaint narrative:
Consumer reporting agencies XXXX XXXX, Experian, and XXXX did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by USPS Certified mail. The following are my most recent notices to the credit reporting agencies. 
1. Experian - USPS CERTIFIED MAIL : 9XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. XXXX XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024

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 2024-04-18 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: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-18 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, the accounts on the list below have violated 15 U.S.C. 1681, which protects my right to privacy and confidentiality as a consumer. 
XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 
602 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
604 15 U.S.C. 1681b ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

605 15 U.S.C. 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

623 15 U.S.C. 1681s-2 ( e ) Accuracy Guidelines and Regulations Required ( A ) Establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary.

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 2024-04-18 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: NY

Complaint narrative:
Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items 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 explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-19 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-04-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
As a participant in a XXXX XXXX XXXX I was given a XXXX XXXX debit card powered by XXXX and issued by Fifth Third Bank. I never used the card for any transactions. The initial deposit by the XXXX  sponsor was {$1500.00} as I recall. I have nothing to confirm this at present. There were subsequent deposits for a second visit to the study sight as well as telephone visits. 
I never interacted with the card until XX/XX/XXXX. I had forgotten my PIN and contacted the study nurse who reached out to the sponsors to have the first card closed and a second card issued. At the time the second card was issued there was over {$600.00} balance. I suspect that there had already been unauthorized withdrawals then but I wasnt provided with transactions on the previous card. On XX/XX/XXXX I accessed my account online intending to transfer the funds to my bank account. There was a balance of {$19.00} in the account. The most recent activity on the card were international transfers to XXXX XXXX XXXX XXXX XXXX The customer service representative at XXXX offered to email me a customer statement of disputed transaction which could be completed and returned by email to XXXX the headquarters of Fifth Third Bank in XXXX, OH. To me this is an inadequate and indifferent response. Especially as she continued to refer to the hackers as the merchants. I do have the record of transactions and their descriptions which I can pride to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a third party check that was endorsed to me for payment of a job I did for the person the check was written out to. The next day I get a notice by email stating that my account is restricted to prevent fraud and to contact the fraud department of Chase. I contacted the number I was informed to contact and they said they need to verify with the person the check was issued to that I had permission to deposit the check into my account. I then gave them the number that I have to contact them and they said the number isn't registered as their name in the database they use to verify phone numbers. Come to find out my current phone number doesn't even come up as me in their database. They said that's the only way they can issue me my money and if I can't get them a phone number that is registered as them within 10 days my account will be closed. My tax return got deposited within those 10 days and I was told they would mail a cashiers check with the remaining balance in my account. I finally got the check and it was for {$0.00} when it was supposed to be at least {$1800.00} which was the amount of my tax return. I have been dealing with them for over a week now on the phone for hours a day and even going to the local branch and have not been able to access any of my funds and now I'm about to loose my house. That means my XXXX kids and I will be on the streets and it's all because chase won't issue my money to me. Not even my california state tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX and I have been a loyal customer of Capital One for nearly XXXX  years and have been making payments every month paying only interest on this high interest account, which I wasn't aware of for this long. I continue making apparently interest and never seem to make any principle it seems to me! I am very XXXX with them regarding this issue and I will hire an attorney to solve this matter if that is what it takes to rectify. My balance is still over {$2500.00} and I don't even use this card .... PLEASE HELP

Company response to consumer: Closed with explanation