vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I do not spell my name in all caps. This means dead person. This is the corpation name given to me. My only lawful spelling is XXXXXXXX XXXX XXXXXXXX nothing else. 

Your credit reports state Discover {$3100.00} XXXX {$14000.00} XXXX {$1300.00} XXXX  XXXX {$4300.00} and {$1400.00} XXXX XXXX {$3700.00} XXXX  {$590.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$5000.00} XXXX XXXX  {$3600.00} No above account has that balance?? 

Since most businesses use the basic method of accounting the offset is mandatory as a result of their reporting practices. The law does require accurate reporting, and failing to report something means you are not accurate, it is not verified, it is not verified, and the law requires validated, verified and accurate reporting. It requires all these three issues to be addressed by every single creditor. This is the reason why we have the fair debt collection act in the first place. The fair creditors reporting act was Established because the creditors were not accurate at all. They must report debts accurately. 

XXXXXXXX XXXX XXXX XXXX XXXX. 
This case said creditor failed to update the consumers credit report. The debt was discharged in bankruptcy. 

IRS topic 453 They can not make no claims 1099c cancellations of debt 90 days document default 180 days they can write balances off.

After 90 days the IRS gives them a 1099v cancellation of debt. Its called write offs, charge offs, debt forgiveness, cancellation of debt. 

The creditor has a duty to report this information. The fair credit reporting act requires for accurate credit reporting and if a debt has been disclosed and or written off the creditor has to notify the creditor and the fair debt collection act as well as the uniform commerical code, but creditors receive a benefit and must notify the borrower as well. You are receiving a tax benefit to offset the debt. Every debt is associated with a contract, which corporates contract law : contract law requires parties to operate in good faith, clean hands, and to communicate with one another. The most basic part of contract law is parties have a duty to communicate with one and another. You also failed to take into consideration, receives a benefit from writing off a debt that is forgiven, it can not under the law under the fair credit report act, allow that original debt to remain unchanged. The benefit operates in a benefit or set off and that means the accounting must be offset, what ever you call it a charge off, write off etc is a benefit offsetting, benefit acts as a positive.

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 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: DE

Complaint narrative:
This collection company Vance Hufman has violated my rights by applying this collection on my credit report without permissible purpose or written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I filed for bankruptcy in 2015. I have zero debt since then and have purchased a van that my sister cosigned for my current credit score is XXXX every time I try to sign up for capital ones credit card with no hit to my credit score XXXX XXXX And the rest of them say my credit score is zero and or I have no history!! 
Ive worked very hard to make sure I made all my payments on time and have contacted the credit union that shows I am paid in full yet all of the credit score people say the same thing my credit score is zero I have XXXX XXXX, which shows me that my credit score is XXXX according to XXXX my credit score is XXXX yet when I order a credit Card with no hit to my credit score it always comes back zero Sorry Im on XXXX and Ive never never asked for more than {$1000.00} credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The collection activities violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 ( c ) and other applicable laws.

Per Fair Credit Reporting Act ( FCRA ) ( 15 u.s.c. 1681, I have a right to sue ALL creditors for negligence and willful noncompliance.

These credit company is also illegal report an account that is not verified. The creditor has insufficient information and have no original address on file, no original contract, phone number, copy of a valid driver license or identification card, social security card, or a valid signature signed contract for these alleged accounts.

I have requested the information be mailed to me to my home address. These companies refuse to mail information to me. The are mailing my personal information to fraudulent addresses : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX I have never had any affiliation with these addresses. 

XXXX XXXX is report an unverified social security number, address, phone number, and name. None of the information matches my personal information. 

When asked to provide documentation the company has declined. Therefore the account shall be removed from immediately from consumer credit files. 

ALL companies listed are in violation of consumer rights Per Fair Credit Reporting Act ( FCRA ) ( 15 ) U.S.C. 1681, 611 - 15 U.S.C 1681 B ( li ) ( 7 ).

I dispute the validity of the debt, and as such, I demand that ALL creditors listed cease any attempts to collect on the alleged debt. Please consider this letter as a formal notice under the FDCPA, and any further communication on this matter will be considered a violation of my rights. 

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

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 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
Dear AARGON AGENCY I am writing to formally dispute the debt referenced in your recent communication dated [ XX/XX/XXXX ]. After careful review, it has come to my attention that this debt is not mine, and I believe there has been a mistake. I Dont have nor have had any lights under my name I request a thorough investigation into this matter to rectify the error promptly. The inclusion of this inaccurate information on my credit report is adversely affecting my credit health, and I am concerned about the potential consequences. 

I kindly request that you provide me with detailed information regarding the origin of this alleged debt, including any supporting documentation. Additionally, please provide clarification on the steps I need to take to resolve this matter and ensure the removal of the incorrect entry from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ]

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX uses UMB as the checking accounts processor. I process a transfer from my XXXX XXXX to XXXXUMB which should be no more than XXXX business days. However, UMB will not release the funds until XX/XX/2024 when XXXX XXXX successfully processed with funds gone. I called XXXX to call UMB to verify funds were transferred and make the funds available. I can not meet my credit obligation without the funds. 
Why are funds being held that went through the Automatic Clearing House? Even if it hadnt a current banking system should make funds available before XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The collection activities violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 ( c ) and other applicable laws.

Per Fair Credit Reporting Act ( FCRA ) ( 15 u.s.c. 1681, I have a right to sue ALL creditors for negligence and willful noncompliance.

These credit company is also illegal report an account that is not verified. The creditor has insufficient information and have no original address on file, no original contract, phone number, copy of a valid driver license or identification card, social security card, or a valid signature signed contract for these alleged accounts. 

I have requested the information be mailed to me to my home address. These companies refuse to mail information to me. The are mailing my personal information to fraudulent addresses : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX I have never had any affiliation with these addresses. 

XXXX XXXX is report an unverified social security number, address, phone number, and name. None of the information matches my personal information. 

When asked to provide documentation the company has declined. Therefore the account shall be removed from immediately from consumer credit files. 

ALL companies listed are in violation of consumer rights Per Fair Credit Reporting Act ( FCRA ) ( 15 ) U.S.C. 1681, 611 - 15 U.S.C 1681 B ( li ) ( 7 ).

I dispute the validity of the debt, and as such, I demand that ALL creditors listed cease any attempts to collect on the alleged debt. Please consider this letter as a formal notice under the FDCPA, and any further communication on this matter will be considered a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-02-15 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-02-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries and accounts that I did not authorize, made by the following companies : Accounts Regional acceptance account # XXXX XXXX collection {$81.00} Inquiries : XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( Department of Education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX co XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX ( XXXXXXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: AL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries and accounts that I did not authorize, made by the following companies : XXXX XXXX XXXX account # XXXX XXXX collection {$81.00} Inquiries : XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( Department of Education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX  XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX  XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX co XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
While using Comdata Corporation Credit Card Processing Services, On XX/XX/XXXX, two transactions were made, one for Balance Inquiry and a transaction of {$200.00} from a XXXX ATM machine. After discovering the transaction, I immediately called the company but I had to wait until the transaction settled. Once it settled, I did the dispute, I was initially told to wait Ten Business days. However, it extended to 21 Business days, when the 21 business days were over I was told to wait another 7 days, which I waited more than 7 days. I did a complaint on XXXX  review site. The company contacted me and they informed me that it will take until XX/XX/XXXX to resolve. On XX/XX/XXXX I received a denial letter from the company, the reasoning was due to my history having a consistency with the XXXX atm, the only time i used the ATM at XXXX was in XXXX, it shows on the statement and it was for {$300.00} and that same XXXX i puchased something along witha {$40.00} cashback. I only had one ATM withdraw from XXXX, the very last ATM withdraw was from XXXX that's less than 5 minutes from my house in XXXX XXXX. This transactions was taken out of my bank at a ATM machine at a XXXX in XXXX XXXX without a card. If my account summary could be uploaded I will show how they made their determination. They could even go back to their recording on 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 2024-02-15 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: MI

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRES.

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 2024-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have spoken to XXXX to XXXX customer service reps from US BANK who have given me the wrong information causing a delay in programs that I should qualify for. The employees of US BANK are not on the same page. They have given me the runaround. They are making mistakes when placing notes on my XXXX loans making it difficult for other customer agents to help me. US BANK is handling my issues carelessly. My credit report states wrong information which looks bad. And now on my credit report, it states Forecloser, deed leu which I don't know what that means. I XXXX kids and trying to keep my house. Also, I have been making payments like they said and now I can't. This is an urgent matter. Please review the call long for quality insurance so you can hear what was said. today is XX/XX/2024 they say the system has issues. I need help

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 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Fraudulent Debt

Company response to consumer: Closed with explanation