vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am the seller of the property. Since XXXX of 2024, we received an offer and have been waiting to close with the buyer. On XX/XX/XXXX, we received word that the bank would work diligently to have a closing date in XXXX of 2024. As of today XX/XX/year>, we are still waiting on the bank ( US Bank ) to complete their process. They have limited us when it comes to conversations about the status of the sell. My family and I are starting to experience hardship due to US Banks negligence and incompetence. The buyer has been approved and they are just as confused to why the bank has not completed their process.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting ACT, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law, I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-11-07 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: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On or about XXXX XXXX, I was notified by my credit monitoring that Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX, has added a collection account the credit bureau 's . Midland Credit management states they are the original creditor and that this account is open. I have never done business with Credit management and have received NO documentation from Midland Credit. They are in violation of FDCPA Specifically 15 U.S 1592 G. They are also in violation of FCRA. Upon researching my State license for collection agencies, the is NO active license for Midland Credit Management to collect in the state of Tennessee. I will also be filling a complaint with the XXXX  and the State of Tennessee attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
If a debt collector or credit reporting agency fails to remove fraudulent debt from credit reports after a court dismissal, it may be a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. FCRA Violation : Under the FCRA, credit reporting agencies and furnishers ( such as debt collectors ) must ensure the accuracy of information reported to credit bureaus. If they continue to report dismissed or fraudulent debt, they are potentially in violation of : 15 U.S.C. 1681s-2 ( b ) : This provision requires furnishers to conduct an investigation after receiving notice of a dispute and correct any inaccurate information. Failure to do so, particularly after a dismissal, may violate this statute.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must also follow reasonable procedures to assure maximum possible accuracy. Allowing dismissed debts to remain may breach this duty. 



2. FDCPA Violation : The FDCPA prohibits false, deceptive, or misleading representations in connection with debt collection, and collecting or attempting to collect on a debt that the consumer does not owe could violate : 15 U.S.C. 1692e ( 2 ) : This provision forbids misrepresenting the character, amount, or legal status of a debt.

15 U.S.C. 1692f : This section prohibits unfair or unconscionable means to collect or attempt to collect any debt, which could include reporting dismissed debt as valid.

These violations could provide grounds for legal action to enforce credit report correction and potentially recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX agreed to delete a debt off my credit report due to natural disaster of Covid XXXX virus / lockdown I was dealing with a financial hardship and a incorrect balance amount on my credit report.So XXXX removed it and replaced it on my credit report Under a different name so for the past 4 years I have been disputing this on XXXX XXXX XXXX XXXX XXXXSprings Oaks Capital Llc are refusing to remove the item so now Im looking for legal assistance and filing an complaint this goes against fair crediting and they are breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: AL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Over the past XXXX XXXX XXXX BOA has carried my auto loan and there have been issues with payment processing since the very beginning. I attempted to set-up autopay, as I do with all other accounts but there always seemed to be some sort of error doing so with BOA and the autopay feature never seemed to work as it should. On many occasions I set-up autopay online, I completed handwritten autopay documents which I mailed in, and of course, I spent several hours on the phone with customer service representatives who helped me on their end and assured me this would not happen again.

Thankfully, we finally figured it out after 2 years and payments seemed to be withdrawing as they should. However, to my dismay, a payment over the summer did not withdraw due to insufficient funds ( the first time this has ever happened might I add ) and I was not notified of this. BOA continued to collect future payments. 
When I realized there was a payment past due I contacted BOA immediately to settle payment and also filed a complaint since I was never contacted to collect this debt. The customer representative told me that BOA made several calls but I never received one. I asked them to confirm the phone number and the last digit was incorrect. We were both in shock. This is unacceptable considering the amount of phone calls I have had with BOA over the life of my loan, plus they definitely called me the first 2 years to collect payment when autopay failed.

They also mentioned they mailed a letter via USPS which I did eventually received but I had just moved and had mail-forwarding services on which only meant the letter took twice as long to reach me. 

I called BOA and asked for a one time forgiveness and was assured this would not impact my credit but received a letter stating they would not remove the late payment. The remaining balance on this loan was paid in full this same month.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Venmo froze my account for 180 days. On XXXX, the 180 days passed and i was to regain access to my money. I wasn't able to, until going back and forth and providing my identity documents for the XXXX or XXXX time to them. On XXXX, I was told I could add a bank account and send the money. I did so, and added a bank account that is in my name, with all my same information, and inititated the transfer that was slated to arrive on XXXX. Today, i see they cancelled the transfer, so I have to go through another merry-go-round of emails and nonsense to once again try to transfer the money. i submnit the transfer, now slated for XX/XX/year>, and once again it is under review. there is nothing else i can submit to them and they have found nothing wrong with the money in 180 days, and yet they continue to withhold the money and force me to go in circles trying to get it out, pushing the goalpost further nad further and delaying the date that i will get hte money by days and days. i'm sure that over the next day or two, they will once again cancel the transfer and this whole process will start again, keeping me from my money for even longer. i am XXXX XXXX XXXX XXXX XXXX and have to work, but i can't go pick up my prescription because i can not pay the copay. this is my life for the past 6 months while venmo has earned interest on the money i earned and that they won't release to me. they have a policy that is published in their terms and conditions, and yet they feel free to not abide by that and to put unnecessary road blocks and restrictions in place that cause undue suffering to people who are trying to access their own hard earned money. and when you try to get help, there is no phone number to call and the only recourse you have is to go back and forth with a team that sends back form emails and doesn't do what they say they will. they are dishonest and they are thieves, and i'm one of many many tens of thousands of people that this happens to every year. i dont have until XX/XX/year> to play this game with them any longer. i don't have 5 more days to wait for my money to pay for my kids food, my dog food, my own medicine. this money should be in my hands already, and they are preventing any reasonable attempt to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
This is in relation to my previous complaint XXXX where XXXXXXXX XXXX  put 3 inquiries on my ChexSystems report without my consent. Chex System 's dispute process is a sham, just a dog and pony show to fool the customers and the regulators. I specifically asked them that my consent was not asked and all they keep repeating like a broken record is " the information is accurate and complete '', they wont even say in writing that they asked for my consent which they know is not true. They didnt even bothered to ask XXXX a simple question which is if they asked for my consent or not? They just type up some random non sense in their response and think the customer will just give up in frustration and walk away. 

And I have finally received and attached the proof that they are all lying. Finally XXXX admitted they did not ask for my consent ( see attached letter from XXXX ) but Chex still has not removed this 3 inquiries from my report. I will keep filing complaints exposing their lies and sham dispute processes till they fix 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 2024-11-07 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-11-07 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : 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 2024-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: VA

Complaint narrative:
Earlier this year, I was interested in switching mobile phone carriers to XXXX XXXX XXXX. I was assured that if I did not like the service, I could cancel service and return the devices at no cost. I received the new devices, I never activated them. I decided to return the devices and cancel my service with XXXX XXXX XXXX. Less than a week passed between my receiving the devices and my sending them back. I spoke to the customer service rep and was assured I would not be charged anything. Now XXXX XXXX XXXX has sent my account to Prince Parker and Associates Inc collections agency saying I owe a debt of {$1100.00}. I believe I have been wronged and am seeking cancellation of this debt.

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 2024-11-07 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-07 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: IL

Complaint narrative:
This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.

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 2024-11-07 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: IL

Complaint narrative:
This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.

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