vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Dispute of Debt and Request for Validation and Information Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB I am writing to formally dispute a debt of XXXX that is being collected by ( The Best Service COXXXX ) there contact information # XXXX they address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX . I am denying that I owe any debt to this company or the original creditor. 

Furthermore, I believe that [ THE BEST SERVICE CO/XXXX ] has violated several consumer protection laws in their attempts to collect this alleged debt. These violations include : * **12 CFR 1006.34 ( b ) ( 5 ) : ** The debt collector failed to properly inform me of my right to dispute the debt and request validation within the required timeframe. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** The debt collector 's validation notice did not contain all of the information required by law, including the amount of the debt, the name of the original creditor, and the date of the default. 
* **12 CFR 1006.34 ( d ) : ** The debt collector has continued to contact me about the debt after I have disputed it in writing. 
* **15 USC 1681-S2 ( 7 ) ( A ) : ** The debt collector has contacted me through electronic communication methods ( email, text message ) despite my request to cease such communication. 

In addition to disputing the debt, I hereby request the following information from [ THE BEST SERVICE COXXXX ]. 

* **Debt Validation : ** A detailed explanation of the debt, including the original creditor, the amount of the debt, and the date of default. 
* **Purchase Agreement : ** A copy of the agreement between [ THE BEST SERVICE COXXXX ] and the original creditor that demonstrates their legal right to collect the debt. 
* **Licensing and Bonding Proof : ** Documentation proving that [ THE BEST SERVICE CoXXXX ] is licensed and bonded to collect debts in my state. 

I am revoking all rights of [ THE BEST SERVICE CO/XXXX  ] to communicate with me through email, text messages, or calls. All future communication must be done in writing through the United States Postal Service. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, Please Contact me Call/Text # XXXX My email is 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-21 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not been able to get an accurate credit report since XX/XX/2023. The Credit Bureaus XXXX and XXXX are unable to give me accurate reporting or my annual report after request. No access online anywhere on any site. 
I am part of the data XXXX, XXXX and TransUnion data breach. I am a victim of identity theft. 
I am promised accuracy in my credit `report based on federal law I am writing again as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and except validate it so I request that you remove it now. 
I am promised accuracy in my credit `report based on federal law I am writing as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. 
plus all 23 inquiries except for the recent XXXX XXXXXXXX inquiry

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 2024-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm trying to buy a house and noticed that there are damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report which is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TN

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I Applied for a Chase United Explorer Credit Card and my application was denied based upon Number of recently opened accounts on credit report My credit score is XXXX so obviously I am creditworthy. 

Chase would not specify what they mean with recently opened nor would they specify what number of accounts is excessive. Is a second account which was opened 5 years ago excessive? I applied for the same card several months ago and havent applied for any other card. I feel being discriminated by Chase since there was no valid reason to deny my credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I signed up for a credit card with a 0 % introduction APR. I encountered 3 problems with the card. 

1. There is no way to sign up for autopay. ( Thus I scheduled future payments in excess of my amount due into the future. ) I have attached the BOA payment screen which does not show any way to set up automatic payments. 

2. My monthly minimum payment due doubled even though my balance was declining each month. ( This was well prior to the interest rate increasing, so there was no reason for the increase. ) 3. BOA did not clearly indicate when the interest rate on my account would change. Because they don't list upcoming rate increases on statements, it is nearly impossible for a consumer to know what interest rate they are being charged at any given moment. 

I was charged a {$39.00} late fee and {$47.00} in interest. 

The late fee was charged even though I made a {$50.00} Payment. The interest was charged even though the most recent statement stated that my APR is 0 %. 

A customer service representative stated that they did not have the ability to wave the Late fee but requested that the charge be reviewed. I have not been contacted since then.

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 monetary relief
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I believe American Express is discriminating against me because I am XXXX and the merchant is white owned. this is regarding dispute XXXX. 

They previously had the case closed with no indication their would be any rebill. the investigation was closed. but today i look and they re-opened it without telling me. Almost as if my word and my photos of the damaged product did not mean anything. 

I also submitted today a new update from XXXX, an email from XXXX  Investigations team where they CONFIRM the product and box were damaged when they received it from the merchant and they also confirmed the damaged product was returned to the merchant in the origin city of XXXX, FL. The XXXX team also confirmed it was returned to the exact address the merchant gave me and them. 

I am owed my money on this transaction, because I received a damage product when it was advertised as " Excellent '' ; I also had it returned with their carrier and XXXX confirmed it was damaged and that they returned it to the merchant in XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Dealing with PNC bank on hardship application -- documents say that loan will not be referred for foreclosure while there's an application for hardship assistance in review ( within 120 days delinquent ) -- completed application submitted ( XXXX ), request made for additional infromation ( submitted XXXX ), loan referred for foreclosure in XXXX ( in spite of completed application ). Received trial modification that wanted to extend loan by 40 years, called to explain that this was not in my best interest and ask for additional options to which I was told there were no other options and referred me to foreclosure attorney for reinstatement amount. Foreclosure attorney said they had to get that information from PNC and then add their fees. I'm disputing that there would even be any additional fees as this should never have been referred for foreclosure in the first place. Still awaiting reinstatement quote which PNC says they will not provide to me directly. Can't get the amount that needs to be paid to resolve this matter. Date to " accept '' modification is approaching and I don't want to decline until I know and have paid the amount due for reinstatement but feel they are dragging their feet to draw out the process to force me into either the plan or official default. Have called and/or emailed every day. Do not get any responses from my assigned XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the inquiries : 1. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-21 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-21 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: IL

Complaint narrative:
The companies Zions Debt Holdings LLC nor XXXX NEVER responded with documentation that I incurred this debt nor that I requested or applied for credit for this debt. I NEVER had any contact, applied for credit or incurred debt in any way with this company or any company associated with this debt. Zions Debt Holdings LLC nor XXXX has provided any documentation to substantiate or validate that I provided any personal identifying information ( PII ), any signatures, or that I was ever present with any representatives of the company to incur this debt. I requested evidence on several occasions and the company has failed to provide any viable documentation. There are no credit inquiries from any of the big three credit reporting agencies. I have never signed any document or provided my consent to request credit or to incur this debt and I have NEVER never provided any PII to this company or any of its associated companies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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