vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
To : XXXX Re : Complaint against [ XXXX ] and Dispute of Alleged Debt Dear Sir/Madam, I am writing to file a formal complaint against [ XXXX ] for multiple violations of consumer protection laws and regulations, and to dispute any and all debts they claim I owe. I assert the following : XXXX. I dispute owing any and all debts to [ XXXX ]. 
XXXX. I hereby revoke all rights for [ XXXX ] to communicate with me via email or text message. 
XXXX. I request full debt validation and a copy of the purchase agreement between [ XXXX ] and the original creditor. 
XXXX. I demand proof that [ XXXX ] is properly bonded and licensed to collect debts. 

Furthermore, I believe [ XXXX ] has violated the following regulations : XXXX. XXXX CFR XXXX ( b ) ( XXXX ) - Failure to provide required validation information XXXX. XXXX CFR XXXX ( c ) ( XXXX ) ( l ) - Improper disclosure of consumer rights XXXX. XXXX CFR XXXX ( d ) - Violations related to the form and content of validation information XXXX. XXXX XXXX XXXX ( XXXX ) ( A ) - Failure to provide proper notice of negative information The collection agency has used false, misleading, and deceptive means in their attempts to collect this alleged debt, which violates my consumer rights. 

I request that the CFPB investigate these violations and take appropriate action against [ XXXX ] to ensure they comply with all relevant consumer protection laws and regulations. 

Please inform [ XXXX ] that they must cease all communication with me except to provide the requested validation and documentation. Any further attempts to collect this disputed debt without proper validation will be considered a violation of my rights under the Fair Debt Collection Practices Act. 

Please contact me if you require any additional information to process this complaint and dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-15 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: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-15 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-15 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:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.

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 2024-08-15 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: PA

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On Tuesday, XX/XX/year>, I opened an estate account at the XXXX XXXX branch of XXXX Bank in XXXX, MA. It was funded by over {$XXXX} in cash. I was given checks in order to pay funds owed by the estate to various creditors including myself. I wrote a check drawn on XXXX Bank in the amount of {$XXXX}, XXXX and deposited into my personal checking account at Bank of America at its branch at XXXX XXXX XXXX in XXXX, MA, a short distance from the XXXX Bank. The deposit was made on XX/XX/year>. This was the only check drawn on the XXXX Bank Account. When I deposited the check, I received notice that the funds would be on-hold until XXXX on Monday, XX/XX/year>, at XXXX. I expected some delay in funds availability due to the size of the check, but because the check was drawn on a local bank and I knew that sufficient funds were available at the account at XXXX Bank, I assumed funds would be available in a day or XXXX. I visited the branch of Bank of America XXXX XXXX XXXX XXXX, explained the situation, and told them I thought they were in violation of REG CC. I was told that BofA was a big bank and and it would be difficult to reach the personnel to resolve the situation and to wait until Monday. In the meantime, many checks had to be written to creditors of the estate and I would not write and send any checks in advance of having funds in the account. I the went to XXXX Bank and found that {$XXXX}, XXXX had been withdrawn from my account by Bank of America XXXX XX/XX/year> and were being held in violation of 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 2024-08-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/year>, I purchased a washing machine at XXXX and opened an credit card account. The total price was {$580.00}. 

When my bill arrived, I misplaced it in the hustle leading up to XXXX. 

I paid a number of bills online via a money transfer from my XXXX account on XX/XX/XXXX. I found the information to transfer funds to Synchrony Bank and approximated that the washer was about {$550.00}, knowing that there may be a balance remaining for the next bill. 

The XXXX bill was {$690.00}, which included XXXX extra purchase and interest of {$16.00} and a late fee of {$30.00}. I subtracted the {$550.00} from {$690.00} and paid the balance. 

In XXXX, my bill was {$550.00}. I appealed and submitted my bank statement and transfer confirmation from XXXX XXXX 

That process has been repeated XXXX more times, each time asking me to send my bank statement or owed money. 

When I have called and asked to speak to a person, I get someone who is reading a script and telling me I owe money. They will not forward my call to a supervisor and by email or by post, I have had the same impersonal XXXX XXXX generated response. 

I do not know what else to do but file a complaint with you.

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 2024-08-15 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: CA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies 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 2024-08-15 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: VA

Complaint narrative:
I would like to dispute off the following items on my credi report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/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 2024-08-15 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: VA

Complaint narrative:
I would like to dispute off the following items on my credi report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried to dispute several transactions with XXXX back in XXXX XXXX XXXX and in XXXX XXXX XXXX after I discovered unauthorized charges. However, despite the time I informed Bank of Americas fraud servicing department was well within 90 days after the transactions occurred, they denied these disputes as the BOA agents claimed that the bank had imposed a more severe limit on dispute time limit on debit card than credit cards. This is not disclosed anywhere and should be investigated since I believe BOA is acting fraudulently or engaged in false advertising for not disclosing this to their customer

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 2024-08-15 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: FL

Complaint narrative:
My account with XXXX, XXXX XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally request your assistance in resolving a critical issue involving a disputed transaction with XXXX XXXX. On XX/XX/2024, I attempted to withdraw a total of {$600.00} from a XXXX XXXX ATM located at the XXXX XXXX XXXX XXXX using my XXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX Specifically, I made XXXX withdrawal attempts : XXXX for {$200.00} at XXXX PM and another for {$400.00} at XXXX PM. Unfortunately, the ATM failed to dispense the requested funds. 

This situation has placed me in a severe financial bind, as I needed that money to pay for my rent, bills, and essential living expenses. I immediately contacted both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report the issue and was informed that the resolution process might take up to XXXX days. I emphasized the urgency of my situation, but was told that I would still have to wait. 

Given the immediate and pressing nature of my financial obligations, I am unable to wait for such an extended period. Therefore, I am reaching out through this platform in the hopes of expediting the resolution of my case. I respectfully request that the matter be addressed as quickly as possible, as the delay is causing significant hardship. 

Thank you for your understanding and prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-08-15 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: VA

Complaint narrative:
I have tried over the last XXXX years to get these accounts resolved on my consumer report with the XXXX credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These XXXX party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Please be advised that as of ( XX/XX/2024 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. They are charge offs reporting with a balance and negative late payments on these accounts. 
Starting XXXX  days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. 

If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: VA

Complaint narrative:
I have tried over the last XXXX years to get these accounts resolved on my consumer report with the XXXX credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These XXXX party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. 

Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. They are charge offs reporting with a balance and negative late payments on these accounts. 
Starting XXXX days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. 

If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, 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 explanation