vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-19 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt. Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name : XXXX XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBTS.

I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCY.

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts. As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). 
Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. 

Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. 
The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4. I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation. 

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. Thank you for your prompt attention to this matter. I look forward to a swift 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 non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt. Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name : XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS.

I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCY.

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts. As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ).

Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute.

Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pur

suant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4. I insist that any communication regarding this m
atter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame

may result in further action to protect my rights under federal law. Pleas
e note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. Thank you for your prompt attention to this matter. I look forward to a swift 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 non-monetary relief
Consumer complaint received 2024-05-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : portfolio recovery associates XXXX XXXX : portfolio recovery associates XXXX XXXX : portfolio recovery associates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
XXXX, which did not protect my data, and has still not provided full details on what information was stolen and why my information was on a server that could be accessed sent a letter in XXXX that then " gave '' me Identity Protection and said it was available to sign-up but when I tried to sign up the system says that it has expired, even though it was within the 90 days of their XXXX letter. Note it has taken me some time to reach out to file this complaint due to other commitments. As in my previous complaints against this company they have refused to provide information on the details of the breach or to provide lifetime protection for their negligence. In addition they say they offered identity protection but in reality their " alleged '' offer is not true as I can not even login with the information that they have provided. At this time the company has released my information, unlawfully, even though I am not a client of theirs currently, I didn't choose to be a client of theirs and when I stopped being a client I requested that they remove my information from their systems. They say they offered a short-term time of credit monitoring yet when I tried to use it, it was not valid. I would hereby request that I be provided with lifetime credit monitoring since I could be subject to a lifetime of issues due to their negligence through no fault of my own. They have also lied to the CFPB about their offering credit protection services to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-19 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX  XXXX and contains erroneous details that do not reflect my financial history accurately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. 
Open Status : This account is not supposed to be listed as " open ''. This account is inaccurately listed as such. 
Payment status : This account is reporting as " Missed Payment '' on my report. 
No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX5 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 
Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 
Correct my credit report accordingly and provide me with an updated copy. 
I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXXXXXX and contains erroneous details that do not reflect my financial history accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. 
Open Status : This account is not supposed to be listed as " open ''. This account is inaccurately listed as such. 
Payment status : This account is reporting as " Missed Payment '' on my report. 
No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information.

I urge you to take the following actions promptly : Investigate the inaccurate information. 
Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 
Correct my credit report accordingly and provide me with an updated copy. 
I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to 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 explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Deposited to check that I thought was good waited the amount of time the credit union wanted me to money was deposited I started spending money the check came back unpaid now I'm on the hook for {$6700.00} at mountain America credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have disputed {$690.00} to American Express about receiving damage products from a merchant ( bed bath beyond ). American Express has failed to give my money back. 

They have stated that I never used the ''online return tap from the merchant 's website. This clearly is an insult to anyone 's intelligent, as I called the merchant toll free customer service number to notify about the product ( s ) defects. Further more the merchant XXXX  XXXX call center Representative failed to understand my situation. 

I even stated to American Express that the merchant has deny me even the simple requests of a return label. 

American Express has failed clearly time and time again denied my claim even after providing pictures of the damage product. I feel they targeting me for no reason, which is clear after providing the pictures, and forcing me to pay for something that is defective. 

Reference number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-19 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

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 2024-05-19 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:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-19 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: TX

Complaint narrative:
on XXXX XXXX 2024 i checked my consumer credit Report from Transunion, There where listed XXXX collection accounts. 
XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. THE BUREAUS Acct # XXXX On XXXX 2024 i sent Via XXXX XXXX Mail XXXX both Collection Companies an Debt Validation letter. Requesting them to validate the Debts within XXXX  days. By XXXX the XXXX 2024 there where No replies, nor validation of the debts. 

On XX/XX/year> I notified Transunion by, Online and Certified US Mail that the XXXX companies listed about where unable to verify the debts that they allege that i owe. on XX/XX/year>, i again Notified Transunion online. I have Contacted them by Via telephone and spoke with a lady named XXXX, She would not give me her last name not employee ID, SHE TOLD ME THERE IS NOTHING I CAN DO ABOUT IT and they refuse to remove them

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