vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the XXXX major reporting agencies- TransUnion, XXXX, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX XXXX TransUnion reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, TransUnion and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies. 

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is noteworthy that while TransUnion and XXXX report this account with a high credit of {$330.00}, XXXX inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: ID

Complaint narrative:
I purchased various services through my XXXX account using my Discover Cashback Debit Card. Due to an issue on XXXX XXXX end, my XXXX account was disabled, resulting in a loss of access to the services I had paid for. Upon contacting XXXX support, I was explicitly advised to dispute each charge with my bank since they could no longer provide me with access to the services I purchased. 

Following XXXXXXXX XXXX advice, I initiated a dispute for these charges with Discover. Despite providing Discover with comprehensive proof, including : Receipts and transaction records. 
Communication from XXXX stating that I should dispute the charges with my bank. 
Proof that my XXXX account was disabled and I lost access to the purchased services. 
Discover rejected my dispute, leaving me without access to the services I paid for and without a refund for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: AL

Complaint narrative:
I SENT MY 1ST DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT.

15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I SENT MY XXXX DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT. 
15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: AL

Complaint narrative:
I SENT MY XXXX DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT. 
15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE

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 2024-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANKERS HEALTHCARE GROUP LLC
State: WA

Complaint narrative:
Company is making accusations of intentional misrepresentation against me XXXX of plaintiff ] claims that [ name of defendant ] made a falserepresentation that harmed [ him/her/nonbinary pronoun/it ]. To establishthis claim, [ name of plaintiff ] must prove all of the XXXX. That [ name of defendant ] represented to [ name of plaintiff ] that afact was true ; XXXX. That [ name of defendant ] XXXX representation was false ; XXXX. That [ name of defendant ] knew that the representation was falsewhen [ he/she/nonbinary pronoun ] made it, or that [ he/she/nonbinary pronoun ] made the representation recklessly andwithout regard for its truth ; XXXX. That [ name of defendant ] intended that [ name of plaintiff ] rely onthe representation ; XXXX. That [ name of plaintiff ] reasonably relied on [ name of defendant ] srepresentation ; XXXX. That [ name of plaintiff ] was harmed ; XXXX. That [ name of plaintiff ] XXXX reliance on [ name of defendant ] srepresentation was a substantial factor in causing [ his/her/nonbinary pronoun/its ] harm As the defendant I had no intent that the plaintiff rely on the data provided to approve a loan in general. I attempted to communicate things about my family and that we had discussed renovations to housing. 

The defendant is involved in intentional misrepresentation as they are failing to implement XXXX reasonable accommodations and do not have a process for loan approval for XXXX people despite their company being advertised as a healthcare group.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have XXXX checking accounts and a savings account with Bank of America. I have been a customer for over XXXX  years. Bank of America no longer has banking centers in XXXX XXXX XXXX For just XXXX I was charged {$5.00} monthly maintenance fees on XX/XX/XXXX, XXXX. 
I was also charged {$10.00} overdraft fees on XXXX ( XXXX on this day ) XXXX. 
I do not have a way to deposit cash as there is not a banking center nearby. I did speak with a customer service rep and a couple of those fees were reversed, but this happens every year and it seems like theyre requirements for waiting monthly maintenance fees, continuously changes, even though I have grandfathered accounts. 
I would close the accounts and use another bank, that does not charge various fees, but I have to go into a banking center to close the accounts ; And again we do not have any in XXXX XXXX XXXX 
I feel that the feast that Bank of America charges are scrupulous and unwanted.

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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: NY

Complaint narrative:
I tried calling Tempoe LLC to find out what the collection for {$1000.00} on my credit report is but have been unsuccessful in getting the information. The debt is ruining my credit and I have no knowledge of what it is for. The number is automated and I cant get a live person to answer and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I faxed a debt validation letter to IC Systems ( see attached fax confirmation ), but never received a response. It has been 30 days and because there was no response, I am now requesting this account be removed 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 explanation
Consumer complaint received 2024-06-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-01 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: MD

Complaint narrative:
I am writing in response to CFPB Complaint XXXX. On XX/XX/XXXX Equifax responded to CFPB complaint XXXX, that XXXX XXXX IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. However, as of XX/XX/XXXX, XXXX XXXX is being inaccurately reported as a collection account on my Equifax credit report. The discrepancies pertain to the original delinquency date associated with this account, which has been incorrectly reported as XX/XX/XXXX instead of the actual date of first delinquency, which is XXXX XX/XX/XXXX, re-aging this account. XXXX XXXX responded to CFPB Complaint XXXX on XX/XX/XXXX, and confirmed that the correct delinquent date on this account is XXXX XX/XX/XXXX. Additionally, this account was paid in full and should not be reported as an active collection account. Despite my diligent efforts to address this issue directly with the parties involved, namely XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and Equifax, the inaccurate information has not been rectified. The violations committed by Equifax, are egregious and include : Fair Credit Reporting Act ( FCRA ) Violations : 1. Reporting inaccurate information : Equifax is reporting XXXX XXXX as a collection account on the credit report, which contradicts their earlier response that it was not currently reporting. Additionally, the account number and original delinquency date associated with the XXXX XXXX account are being reported inaccurately. 
2. Failure to correct inaccurate information : Despite the consumer 's efforts to address the inaccuracies directly with Equifax, the incorrect information has not been rectified. 
I have attached CFPB Complaints XXXX and XXXX for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CA

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

I have informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX However, t

hey stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Dob : XX/XX/XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account : XXXX XXXX XXXX XXXX Balance : {$550.00} Highest Balance : {$580.00} Opened : XXXX XXXX, XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX Balance : {$550.00} Highest Balance : {$580.00} Opened : XXXX XXXX, XXXX The reporting of these account is in violations of 15 USC 1681e ( b ) ( 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. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account 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 non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NY

Complaint narrative:
I tried calling XXXX XXXX to find out what the collection for {$1000.00} on my credit report is but have been unsuccessful in getting the information. The debt is ruining my credit and I have no knowledge of what it is for. The number is automated and I cant get a live person to answer and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
XX/XX/XXXX Opened probate on grandmother 's property which has turned complicated. My father ( who's an XXXX Veteran, had been living at the property for XXXX  years and paying the mortgage on time and taxes and insurance when in XXXX XXXX recieved notice to probate property from XXXX XXXX XXXX. We then opened probate and lost XXXX family members ( two out of 3 heirs, including my father ) so we had to get a new lawyer and revise probate which is current. I, named administrator, was in process of claiming successor of interest with XXXX XXXX XXXX. When they sold the loan to XXXX XXXX. I was in process to working with XXXX XXXX to reinstate the loan, at that time the reinstatement was approximately {$800.00}. When I called them back a week latter they had sold the loan and didn't know who had it. I called back a week later and they give me a number to call. They said they had received it but no one had looked at it yet and they didn't know anything about it, to call back XXXX. ( a week ) So I called back and they still had no information about the loan. Next I knew, Fay servicing Taped a note on the door of the house saying property vacant or abanded and a phone number to call. So I called the number and finally got through to someone and they told me they need Letter of administrator. So I sent through email they gave me. Then they say they didn't receive it. Mind you by this time they have contracted people to rummaged through my family home " throwing away perfectly good can goods '' taken a box of papers and changed the locks. I was told by outside mortgage assistant Letters of admin. Is all they need. I've sent Letters of admin., death certificates, my birth certificate. They were going to let me pay XXXX to reinstate the loan but he said i had to pay it that day, right then and was being rude and it made me leerie because i didnt want to be scammed. I told him i needed to check on it and i would call him back. I called back a few days later and the amount then was XXXX. This made me weary but i ended up paying them XXXX. Then 30 days later i tried to make a payment and they said they couldnt except any payments and my heart hit the floor. I checked my bank acct. And they had returned the XXXX luckily, i thought i was scammed for a minute. The last four times I talked with them over the phone they say they can't tell me anything until I have " transfer of title '' and I explained I can't get transfer of title until the end of probate. So it's been useless trying to communicate. Its been useless trying to make a payment. They locked the house and it's hindering me from living there or doing any upkeep to the place which is my administrative duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-02 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: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
I did not authorize this fraudulent credit inquires and it is affecting my credit score

Company response to consumer: Closed with non-monetary relief