vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
I am filing a complaint about AXOS Bank. I had made 2 check deposits via a mobile device. I had to photograph 2 checks. I had received emails that confirmed my deposits went through and everything was OK. 3 days later, XXXX of the deposits in the amount of {$88.00} did not go through because of the photograph, and there was a negative in my account because of this. AXOS Bank sent me an email through my account telling me to mail the check to them. I mailed the check to them on XXXX. It was almost 2 weeks and I still never heard the status. I called the bank numerous times for updates and I was told they never received the check back. Somebody dropped the ball because they did receive the check. 
On Monday XXXX, AXOS Bank sent me back the check in the amount of {$88.00}, and a letter telling me the check was negotiated and I will receive the funds in my account in a couple of days. Then I receive a message in my account telling me to mail the check back to AXOS Bank again so they can make the deposit. This is unacceptable. I am out of work and I need this money ASAP. This is poor money management from a bank and poor customer service. I called the company that sent me this check, to reissue it to me again. I am finding a better bank. I also have a dispute for a charge that I never got the service for. 
Axos Bank sent me an email on XX/XX/2024 stating that if I do not bring my account to positive standing, they will be closing my account and will report this to the credit bureau. This is not right. This is Axos Bank responsibility to deposit the customers check into their account. They are playing games with my money. 
I demanded numerous times to speak to a manager or CEO. Every time I called, I was told nobody is available. Unacceptable!! This bank needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit profile and noticed that I had inquiries that didn't belong to me.

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 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
My name is XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As well as the incorrect addresses of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
My name is XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as the incorrect addresses of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: MA

Complaint narrative:
This complaint is regarding EXPERIAN CREDIT REPORTING AGENCY ONLY. 

I have filed several disputes directly with Experian and this is the XXXX dispute with the XXXX. 

I will try to ask it in a more direct way. 
Experian dropped my XXXX XXXX by XXXX points on XX/XX/2023 & XXXX points on XX/XX/2023! 
There were no changes in my credit report from before the drops, to after the drops which could have caused such a tremendous drops. 
My question is, what was the reasons for this serious drops in my score? 

I have been trying to obtain this information and have recieved no results. 
You do not see drops like this unless a serious bad new issue came about. 
I know exactly what information is on my report. 
All accounts are the same, for the past several years, except for 2 paid in full loans that no longer report, where never late, and due to an excellent payment history I had achieved an increased score of XXXX. I have opened no new accounts, have a perfect record with all recent accounts, and now I cant apply for credit due to Experians error. 

MY question again is what caused the significant drop of XXXX points on my account XXXX XXXX & XXXX points on XX/XX/2023, that is a total of XXXX POINTS!!! 
I DO NOT NEED CREDIT REPORTING EDUCATION FOR AN ANSWER!!!

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 2024-04-24 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: NJ

Complaint narrative:
" Your agency is in violation! 
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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX - XXXX XXXX - XXXX {$140.00} XXXX XXXX XXXXXXXX {$230.00} XXXX - XXXX {$1900.00} XXXX - XXXX {$1900.00} XXXX XXXX XXXXXXXX an {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$160.00}

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 2024-04-24 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: NJ

Complaint narrative:
" Your agency is in violation! 
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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX - XXXX XXXX - XXXX {$140.00} XXXX XXXX XXXXXXXX {$230.00} XXXX - XXXX {$1900.00} XXXX - XXXX {$1900.00} XXXX  - XXXX an {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$160.00}

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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Loan account : XXXX Lender : fifth third bank Type : installment/auto loan On XX/XX/2024 my bank, XXXX XXXX sent an electronic bill payment in the amount of XXXX to fifth third bank for my auto loan which had already been paid off in full XXXX weeks prior. This was due to me forgetting to turn off the bill pay which I have since done. I immediately contacted both banking institutions and was instructed by XXXX XXXX that they couldnt recover or stop the payment. Then I contacted fifth third and got nowhere. They were extremely unhelpful and I essentially had to research everything on my own to try to recover the over payment which posted to my XXXX XXXX account XX/XX/2024. Long story short Ive asked fifth third repeatedly to track down the overpayment and send it to me but they just act like it doesnt exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX and asked that they verify a balance they say I owe but they said this balance was sold to a third party collector regarding a collection balance of {$2900.00} I contacted Midland Credit Management at XXXX but a representative confirmed that there is no debt in their system with my social security number nor address. I am requesting that you help me confirm that this debt is not mine and so that I can get the credit bureaus to remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1200.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Collection account Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1200.00} Account Type : Collection Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, I request validation of the debt you are attempting to collect. 

The account details are as follows : 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 It is imperative that you provide validation of this debt as per my rights under the FDCPA and FCRA. Specifically, I request the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be advised that the reporting of unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as mandated by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARTER-JONES COLLECTION SERVICE, INC
State: NV

Complaint narrative:
I have sent this company numerous cease and desist letters as well as debt validation letters. This company has refused to adhere to my written request. This company is in clear violation of the FDCPA. On top of that i have found that this company isn't even licensed or bonded to collect in the state of Nevada. Please have this company cease all collection activities and erroneous credit reporting. This is my final attempt to complain outside of court. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: WV

Complaint narrative:
I've tried to resolve this issue for 18 years they continue to deny me my right to my credit report even after complaint number XXXX due the fact I have sent Multiple copies of my ID and Social Security card notarized for years now. they still play the game send us a copy of your Social Security number. Tired of the games now I'm looking at an {$18.00} XXXX law suit. because that's what the lady in Oregon got, and they only played these games with her for XXXX yrs. Like oh yeah somebody else trying to obtain another persons credit report by going to the CFPB saying that they're me so that they can get a copy of my credit report XXXX They're just not going to stop playing games with my livelihood Which is causing me detriment in my professional and personal life. I guess my only other option is Federal Court! Because they haven't even tried to contact me. Other than the give us your ID game again. And as far as you CFPB, where's the protections here? Did someone pay you off too? These games with my livelihood are ridiculous, what if it was you? Can't give a job can't get a car to go get a job because you don't have a job because of the way they have your credit report set up making you look fraudulent. Yeah the punitive damages are above and beyond extremely high at this point. 

XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MA

Complaint narrative:
am writing to dispute the inaccurate information listed on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I request that this incorrect information be promptly deleted from my credit report.

Below are the details of the erroneous information : XXXX  Account Number : XXXX High Balance : {$60000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX  XXXX  Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 72 Month ( s ) Past Due Amount : {$15000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} It is evident that there are discrepancies in the reported information, including but not limited to the balance owed and the status of the account. Therefore, I request that you investigate this matter and promptly remove the inaccuracies from my credit report. 

Please be reminded that under the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report. Any failure to comply with this requirement may result in legal action.

I kindly request that you provide me with a written explanation of the actions taken to correct this error and confirm the removal of the inaccurate information from my credit report. 

I expect a response within 30 days, as mandated by the FCRA. Failure to rectify this matter within the stipulated timeframe will leave me with no choice but to pursue further legal remedies. 

Thank you for your attention to this matter. I anticipate a prompt 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 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
I have made payments accurately and Prestige is reporting late or missing payments when I reached out they clarified that all payments were on time and that they reported accurately. The did deem it as a system error but still not have reflected the error on the credit reporting by updating the information so it does not show mission or late payments. However thats not the case and we reached out for them to fix but no response. I would like this updated or financial compensation for credit reporting damages on my good credit. The reporting shows for late payments XXXX for XXXX XXXX and XXXX, and late payments in XXXX for XXXX. My account number in reference is XXXX for Prestige. I would like an accurate reporting.

Company response to consumer: Closed with explanation