vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against the major credit bureaus for their repeated failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), as well as other applicable consumer protection laws, in response to my ongoing credit disputes. 

Since XX/XX/year>, I have sent several disputes concerning inaccurate and incomplete information on my credit reports, including letters providing supporting documentation and specific details about the errors. Despite my efforts, the credit bureaus have failed to provide adequate responses, conduct a reasonable investigation, or provide the results of their investigations within the XXXX timeframe mandated under FCRA Section 611 ( 1681i ). 

Additionally, they have not provided me with the procedure they used for their investigations, a violation of 1681i ( a ) ( 7 ). To date, it has been over 9 months, and the accounts below continue to report multiple inaccuracies, including : Invalid dates and inconsistent payment histories after the accounts were allegedly charged-off or placed in collection status. 
Questionable balances and incomplete information despite my repeated requests for validation. 
These inaccuracies not only violate the FCRA, but they also raise questions about whether the credit bureaus have fulfilled their duty to ensure the accuracy and integrity of the information they report, as required under 1681e ( b ).

Moreover, I have contacted each creditor or collection agency individually to validate and verify the debts under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and related provisions, such as 12 CFR 1006.34 ( Regulation F ). Each of these entities has either failed to respond or claimed they can not locate information tied to my name and the personal information provided. 

Below is a detailed list of the accounts in question : 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 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 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 XXXX  Status : Charge-off Each of these accounts contains errors that remain unresolved despite my numerous disputes. By failing to address these issues, the credit bureaus have caused significant harm to my creditworthiness, financial health, and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I requested a debt validation letter in accordance with 15 U.S.C. 1692g, including the amount of the debt, the name of the creditor, verification of the debt, and the name and address of the original creditor, and I sent this request via certified mail to ensure receipt and compliance.

This morning, the company MRSBPO called me despite having received my certified debt validation request letter, which I sent in accordance with 15 U.S.C. 1692g. During the call, they threatened to ruin my credit, and I recorded the conversation as evidence of their actions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) balance : {$3300.00} status : XXXX account # XXXX I contacted company informed card was Lost/stolen, and used without my knowledge, the company agreed to look into this, instead, they closed the card and sent it to collection, the balance was not mine informed company this was fraudulently charges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-11-21 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: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Not sure of all dates but, XXXX XXXX XXXX XXXX XXXX Truist took a {$5.00} fee for transfers from my savings account. Apparently this is their rule. I have never done this before, but we flooded in XXXX and have had to pay several venders and contractors. I put the Flood insurance advance in my savings account and used it to transfer funds to my checking account. There is not personnel involved, these are all online transfers from my savings to checking. I pay off other accounts on a regular basis but because of the damage and repairs to my home, i apparently exceeded to limit.

I called and Truist personnel credited some but, we quite adamant that this was one time. I went to a local office and was told to close my account. 
Please help if you can. 
thank you in advance

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 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-21 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: GA

Complaint narrative:
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 XXXXXX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Customer Service, I am writing to formally dispute the accuracy of the trade line reported for XXXX XXXX on my credit report. Upon reviewing my credit file, I have noticed that this account is inaccurately linked to the address XXXX XXXX XXXX. I would like to assert that I have never resided at this address nor have I had any dealings with this account. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or misleading information in my credit report. Specifically, the account associated with the address mentioned above is not mine and seems to have been reported in error. 

To assist you in the investigation, I am providing the following details regarding the account in question : 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  ] Moreover, I request that you provide me with the following documentation to substantiate the validity of the alleged debt associated with this account : 1. **Proof of Purchase Agreement** : Documentation showing the original agreement or contract regarding the alleged debt.

2. **Insurance Claim on the Debt** : Any records indicating that an insurance claim has been filed regarding this account. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) ** : The original creditors records that verify the validity and ownership of the debt. 
XXXX. **Statute of Limitations Information** : Information regarding the statute of limitations applicable to this debt, including the date of the last payment made on the alleged debt. 

I kindly request that you investigate this matter thoroughly. If you find that this account has been reported in error, I request that it be removed from my credit report to ensure my file contains only accurate information. 

Please confirm the receipt of this dispute letter and keep me updated on the progress of your investigation. I can be reached at [ XXXX ] or [ XXXX ] for any clarifications or additional information you may need.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : 1. Copy of Credit Report ( with the account in question highlighted ) 2. Proof of Identity ( if necessary )

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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I paid a payment of XXXX to a loan I had taken out through XXXX. On XX/XX/year> I paid off the loans taken out through XXXX in the amounts of {$500.00} and {$1000.00}. However, a couple of days later, my account had duplicate charges for the {$100.00} dated XX/XX/year> and for {$500.00} and XXXX, which pulled my account into the negative. I called Citibank to only dispute the duplicate charges and not the original charges. They assured me they wouldnt reverse the original charges. Weeks later they reversed the original charges. I then repaid XXXX on XX/XX/year> in the amounts of {$650.00} and XXXX due to now having accrued more interest because Citibank reversed the original charges that they blatantly told me they wouldnt. Then on XX/XX/year> the charge for {$100.00} was taken out of my account, on XX/XX/year> XXXX was taken out of my account and on XX/XX/year> {$500.00} was taken out of my account causing it to go negative. I called Citibank and they said the dispute was reversed and closed saying the charges were valid. I told them I already paid XXXX off and they need to refund that money to my account. They said I can only appeal the decision which will take 90 days. I called XXXX and they claim there is no overpayment and it could take 45 days for them to receive the overpayments. In the meanwhile Im out {$1600.00}. I have accrued late charges from my auto payments on other bills due to having insufficient funds. Citibank told me they wouldnt reverse the original charges and they did and because of that I had to pay more interest and now another overpayment that no one seems to want to claim they have. Citibanks response to the first claim is ridiculous, now they are claiming there was no duplicate charges, but if they listened to the phone call regarding that dispute they would see the agent acknowledged there was duplicate charges on my account causing it to go negative and he assured me Citibank would not reverse the original charges.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

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 explanation
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 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: NJ

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated. 

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

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 2024-11-21 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
The Third party National Credit system has reported my information illegally without my permission. I do not have an account with them with my signature on any documents with national credit system. they have not provided me with such documents that I have signed with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NJ

Complaint narrative:
I was extremely concerned to discover that multiple unauthorized inquiries from your company have appeared on my credit report. This is negatively affecting my credit and has caused me unnecessary stress and frustration.

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 2024-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I originally made a complaint on this website on XX/XX/year>. I received feedback from a representative who I thought could help me with this matter, but I was sadly mistaken. I waited a while before reaching out to her using the contact information she provided. On XX/XX/year>, I called and spoke to XXXX, who answered the phone rudely. I explained my situation, and she told me that I had to go through XXXX XXXX, as he was the only XXXX who could handle my account. I dont understand what makes my account so special. 

When I tried to explain again, she rudely put me on mutenot hold but mute, as I could hear the background noise. She then transferred me to XXXX XXXX, who spoke very quickly. I explained that I was trying to speak with XXXX XXXX. He aggressively repeated his previous statements, implying that my concerns didnt matter. I was literally reading her response to him, but he quickly cut me off, saying, " Not to cut you off, but ... '' At that point, he had already interrupted me. 

He then informed me that XXXX XXXX wasnt available and that he wasn't sure what she could do since my account was with XXXX XXXX. He advised me to call back the next day between XXXX XXXX and XXXX XXXX. Fast forward to today, during my lunch break, I called again, this time asking to speak with XXXX XXXX. Once again, I was greeted by an employee who had an attitude and asked if I was trying to reach XXXX XXXX for employment. I explained my situation again and was told about contacting XXXX XXXX. 

I reiterated the response from my complaint but was transferred back to XXXX XXXX, who asked if I had spoken with him yesterday. He informed me that he couldn't provide any further information because XXXX XXXX was the only XXXX who could access my account. He then placed me on a brief hold to inform me that XXXX XXXX wasnt available and that I should try calling back in a few hours. This left me with the impression that if I called back, I would continue to face this frustrating cycle. 

I am extremely dissatisfied with this company. I requested validation regarding the amount I owe, but they only provided a sheet of paper that I could have created myself. I have written proof that someone was willing to assist me, but now that representative seems to have disappeared, and the rest of the staff is acting as if she doesnt exist.

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