vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
I am writing this follow-up letter exclusively to your organization to express my concern regarding the absence of any response from your end regarding the incorrect, unverified, and misleading information present on my credit report. On XX/XX/2023, I sent my dispute via CFPB to notify your agency about this issue. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
I am writing this follow-up letter exclusively to your organization to express my concern regarding the absence of any response from your end regarding the incorrect, unverified, and misleading information present on my credit report. On XX/XX/2023, I sent my dispute via CFPB to notify your agency about this issue. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits.

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 2023-12-29 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: NY

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over XXXX  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX  I stepped in at a Bank of America and waited in line for XXXX minutes and teller was helping me she wouldnt give her name inpresented my work check to be cashed and said that she couldnt cash it and said it was passed the check cashing limit and I asked to show me her policy on that went to get another XXXX  XXXX and she ran the check through there device and she said since its not a commercial  account I was not able to cash it and asked me to go back to my boss and get it split to be able to cash the check and then asked for business cards and said she didnt have any and wrote down the customer service number on a blank receipt

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: MI

Complaint narrative:
*THIS IS NOT A DUPLICATE Before I received a letter saying my number was verifiable and that XXXX tried calling my number " XXXX ''. I am aware and have been in contact with LexisNexis and they surely 100 % verified me and so as my phone number ending in XXXX. It is now going on 2 months since " XXXX XXXX '' deposited the Auto Loan check I sent to her and it still has not been released because XXXX claims " We have tried to reach you the phone number ending in XXXX but we have not been able to reach you. We need to speak with you to obtain the information we require to resolve this matter and release the funds '' before and I WAS NOT NEAR MY PHONE which is unfair... they claimed to call my phone and it went strait to voicemail which obviously mean I was not near my phone or it was dead... XXXX  is taking me in a loop around to verify myself even tho I have FULL EVIDENCE from my bank XXXX XXXX ) verifying the check that they shared with I ( XXXX XXXX ) and I only. LexisNexis and other consumer reports have my number verified on they system but XXXX... It is not my problem that XXXX system is not updated It is funny that I received letter on the XXXX saying XXXX claim to call my number .. Now XXXX  XXXX department claims unable to call my number for verification reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was served documents from the XXXX XXXX sheriff while I was out of town and a XXXX : my son was asked if an adult was present and my daughter signed but no identification was verified. I was summoned to court and account has been settled but its still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: CT

Complaint narrative:
I have contacted all parties ( credit card and credit bureaus ) that these accounts are not mine multiple times. The XXXX accounts don't even have my correct address attached to them. These are fraudulent accounts and need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than XXXX  days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: KS

Complaint narrative:
I have a separate issue with the company ( wow! internet ) that sent the debt for collection, and it looks like this is what they do. They create environment impossible for customer to resolve ( paying the account by deleting the account, then force you to call into company where you are transferred multiple times, or the " system can't accept payments, then when you get to someone that can take payment the account is not in the system anymore ) then they send this bill to collections. 

This is where my story begins with Eastern Account System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. 

I was contacted by one of their representatives who initially said he worked for XXXXXXXX internet/Cable. I was excited because this was the 1st time XXXXXXXX have got me in contact with someone that could take payment after 3 months of trying to contact them and get with a representative that could accept a credit card payment. ( this account was setup with auto payment, but that stopped when I wanted to cancel services ). After a while into the conversation he then mentioned he was with a debt collector FOR XXXX and not actually a XXXX employee. 

So then I was put off a little not knowing they would do that when all the while I had been trying to pay my bill. So I asked if this would go on my credit since I had been trying to pay this. He said if I paid that day that I would not have my credit be negatively impacted. 

I did so immediately and without hesitation. 

I did not think of it after that or check the payment for it until I got ANOTHER call from this credit collector 3 months later in XXXX. When they told me that the bill still had not been paid, and that since it was 3 months after the initial call that it would show up on my credit. 

When asked they could not provide any information about the initial call, but said they had reached out. They could not tell who made the call or anything specific ( recording ) but said they had contacted me. 

This is on my report, and I have tried to pay to have it removed, but those attempts have failed. To me this seems like a shake down. XXXX involved with Eastern Account system creates environment where customer can not pay bill. Send to Collection where Eartern Account creates environment where customer get dinged on credit reports. Customer pays company to get resolved. 

Thank you for you time. I appreciate any assistance and guidance you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXXand 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 2023-12-29 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: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on XXXX, XXXX XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXXand XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
I am writing to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
This company put a fraudulent account on my credit. I disputed they left it on. Its been charged off since and the amount is over {$600.00} I requested a 1099c form and they refused to send me one to report to irs. They were paid from business insurance for my account and still sold the debt after being paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My vacation 's last day was traveling from XXXX to XXXX. Since my original city was XXXX, I arrived in XXXX late. I went online to make a reservation for one night. I found a XXXX XXXX XXXX XXXX. for XXXXXXXX XXXX  per night. Everything was according to my plans. I paid for the hotel ; the system generated a booking number. Upon arrival at the XXXX XXXX, no reservations were under my name. I have to pay again. Later, on my credit card statement, I found a charge on my account under my email address. This is a fraud, and Barclays credit card was informed about the charge using my email address. They credit it for 30 days, and on XXXX XXXX, XXXX they put the charge back on my account. Barclay Credit Card company did not cooperate with this issue. And I need to address this issue with the appropriate authority.

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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
A payment was submitted to the loan servicer in XX/XX/2023 in the amount of {$170.00}. The loan was transferred from Great Lakes to Nelnet. In XXXX, XXXX, and XX/XX/2023 I contacted Nelnet asking for the credit of the XX/XX/2023 payment ( which of course impacts principal/interest allocation- this payment should have gone 100 % to principal due to Covid deferment ). Of course in XXXX when student loan payments resumed, this missing XXXX payment impacted the distribution of payment. On XX/XX/2023, during a phone call with Nelnet, the representative acknowledged that Nelnet had the money in a holding account and just has not had not yet credited account. It has been six months that this payment has not been credited to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly examine the attached documents. I implore the bureau to commence an investigation into these accounts, as I am consistently on time, yet they are inaccurately reporting me as late.

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 2023-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: DC

Complaint narrative:
XXXX XXXX a Florida lawyer and debt collector with XXXX XXXX XXXX  XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX and XXXX XXXX from First Federal Credit Control in XXXX, OH kept trying to collect {$3200.00} in medical debt that I did not owe and had been paid by my insurance company. I called and wrote them both and told them my insurance had paid but they put the onus on me to prove it and I finally did but had to call them numerous times and send them information. They tried to intimidate me into paying for debt I didn't owe and if weren't able to fight back, they would have ruined by credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
Consumer reporting agencies, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2023-12-29 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: TX

Complaint narrative:
Consumer reporting agencies, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XX/XX/2023 I've been scam to transfer funds that supposedly my account I called the Bitcoin & Robinhood their answer is they can't revert the transaction. 

The amount are : {$15000.00} from Bitcoin {$4900.00} from Robinhood Description Bitcoin DepoXXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested Experian, XXXX, and XXXX to reinvestigate the accounts sited next : Acct # XXXX, Acct # XXXX. After multiple attempts through letters, phone calls, online disputes over a 3 to 4 month period, they have consistently stated that everything was complete and accurate. How is that possible if the open dates, last activity dates, amounts, closed as collection account, amounts reported monthly, payment histories, etc are incorrect? Because this has impacted my ability to obtain credit, I am requesting compensation and the correction of my credit reports to accurately reflect my credit history. There are a total of XXXX inaccurate entries on my Experian credit profile and XXXX on my XXXX profile. I am requesting compensation for a total of XXXX inaccurate entries.

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