vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-28 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: IN

Complaint narrative:
Good evening. 

My name is XXXX XXXX, I am contacting you all in an agregiance attempt to remedy an ongoing issue that I have been experiencing with TransUnion. I have repetitively sent letters to the agency with the most recent tracking number of XXXX to assist with the inaccuracy of my reports. The agency has persisted on accusing me of not sending these requests on my behalf. They have even went to the extent over the phone to tell me that I could be a credit repair company calling in. Now, they pretended like they were going to open my dispute and they sent me a letter stating that what I sent was illegible and not valid just another reason for them to not correct the errors on my reports. They have attempted to exploit my rights to dispute via mail and have repeatedly tried to coerce me into disputing online or over my phone, which I have stated that I do not want to do. I have been advised a manager that they will continue to deny my disputes until I dispute via online or phone. 

We can agree that these actions display several violations under the FCRA, we can also agree upon review of my file that they have never conducted a proper investigation to my accounts. I am pleading as my final chance of waiver before litigation. 

Please review my file and the attached documents

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Indie Technology DBA Found
State: GA

Complaint narrative:
Had a XXXX XXXX account from someone in another state filtering my money to their account since XXXX last year. Over {$1000.00} and FOUND BANK refuses to reimburse and secure my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I took out a short-term with this company in XXXX due to emergency bills and gas money needed, I was not able to repay the loan due to employment issues, I tried to get a loan with them in XXXX and I was told that I owed a {$220.00} balance. I have no income, no unemployment benefits and NO OTHER RESOURCES. In addition this debt is PAST THE FLORIDA STATUE OF LIMITATIONS AS THEY DO NOT ALLOW ANY DEBTS OVER XXXX XXXX XXXX TO BE COLLECTED OR ANYTHING. SO THEREFORE THEY ARE REQUIRED TO FORGIVE THIS DEBT OR OTHERWISE I WILL SUE FOR {$5000.00} FOR FINANCIAL AND EMOTIONAL DURESS AND EVEN WHEN I HAVE SECURED EMPLOYMENT I WILL BE FILING BANKRUPTCY AS MY INCOME WILL NOT SUPPORT ANY DEBT REPAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: IL

Complaint narrative:
Continual phone calls from ARstrat XXXX XXXX XXXX XXXX about a supposed XXXX  debt. One of their phone numbers is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to bring to your attention an unfortunate incident that has caused me significant distress and inconvenience. On XX/XX/2024 there was an error in debiting my bank account by your company in the amount of {$870.00} This error has resulted in considerable financial strain and emotional turmoil for me. The bank debited my account for a claim they never paid me for

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 2024-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On XX/XX/2024, XXXX XXXX XXXX and XXXX XXXX XXXX communicated to Select Portfolio Servicing, XXXX ( SPS ) that the property was transferred into a XXXX. SPS responded that they received the request and will review. 30 days later, SPS then requested another 30 days to review the information. The 30 days has passed ; After which there has been no communication from SPS regarding the property transfer into the XXXX. 

However, SPS has sent a status to XXXX and XXXX that Foreclosure proceedings have started ; further diminishing the capacity for XXXX XXXX XXXX and XXXX XXXX XXXX to obtain credit. 

XXXX XXXX XXXX and XXXX XXXX XXXX is not aware of any Foreclosure proceedings as this mortgage account is still in dispute with the account owner XXXX XXXX and validation of debt with Select Portfolio Servicing, XXXX ( SPS ). which is evident in recent communications with XXXX XXXX and the attorney that SPS has illegally referred the mortgage account to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
On XX/XX/XXXX l requested a form 1099C from XXXX XXXX XXXX XXXXXXXX. Customer service rep stated the account has not been charged off, l replied it been charged/written off {$2800.00} and past due {$2900.00} as of XX/XX/XXXX with a verified dispute. 1099 C form eradicates the debt and l requested it today but XXXX XXXX couldnt provide me with it. This violates 15 USC 1601 The CongresXXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The dispute was updated and verified as of XX/XX/XXXXXXXX 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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Per phone call, debt paid on XXXX through employer withheld funds. Also paid XX/XX/year> was {$1300.00} paid to the attorney from Michigan Dept of Treasury. Attorney is holding funds for 45-60 days - understandable. But now they're telling me that it's an ADDITIONAL 45-60 days until they can release funds. Although they personally verified that both employer and state tax had fulfilled the judgment in full two months ago. Attorney refuses to release funds sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : XXXX  Date of Inquiry : XX/XX/2022 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 

XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 2024-05-28 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: GA

Complaint narrative:
Equifax, XXXX XXXX XXXX XXXX is reporting false harmful information on my credit report. They are reporting XXXX missed payments with no dates from XXXX XXXX XXXX XXXX. I spoke with a representative at XXXX XXXX XXXX XXXX they are not aware of any missed payments everything is in good standards with no missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've been the victim of I'd theft and have a block on my credit /alert as well. There have been numerous unauthorized inquires on my account without consent I've disputed these inquires in twice within the past 24 hours and they have done nothing to fix this problem they are in violation of federal law and bneeds to be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " Frozen ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " Capital One ''. 
Below are the XXXX known credit inquiries : XXXX XXXX XXXXXXXX on XX/XX/year> XXXX  XXXX on XX/XX/year> Capital One on XX/XX/year> XXXX XXXX  XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XX/XX/year>2024, I requested a copy of my consumer credit report from Equifax. To date I have not received said report. It has been 36 days since I submit my request, well in excess of the 15 days required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Original complaint ID XXXX I had filed a claim with Bank of America in XXXXXXXX XXXX XXXXXXXX. In the claim I had provided them with a police report and a statement letter to support my claim. While I was out of country, someone broke in to my home and stole the valueable things which also included my identity info, such as my SSN and my bank cards. I tried to work with them to get my money back but they don't seem to care. This is my only source of income so not having access to it is very challenging. Someone stole {$7100.00} from my account and I've been contacting bank of America hoping my claim would be resolved but no they keep denying my claim. I disagree with The letter they sent me in regards to why they denied my claim. They included a footage of me withdrawing money from the atm which does not support my claim. The transactions I claimed did not include any ATM withdrawal from the bank of America ATM so I don't know how they came to the decision of denying my claim without doing a proper investigation. I need my money. I'm a victim of identity theft. This is my last attempt to trying to get my money back from the company, I will be taking legal action regarding this matter if not resolved. 




As of XX/XX/XXXX, I have not received any response from the company regarding my matter. 



Please help me reopen my complaint.

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 2024-05-28 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate late payment information that continues to appear on my credit report. Despite my previous dispute, the following accounts are still reporting late payments that I believe to be incorrect. I am requesting a thorough re-investigation of these items under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to report accurate information.

Specifically, section 611 ( 15 U.S.C. 1681i ) mandates that credit bureaus conduct a reasonable investigation of disputed information. Your failure to correct these inaccuracies after my initial dispute suggests non-compliance with this section of the FCRA.

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 2024-05-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all XXXX bureaus resulting in removal from my credit file. on XXXX it appeared again I called the company, and the information they gave me was inaccurate. I told them my correct address and they said they were going to update the inaccurate information with the correct information I gave them now they are using the information I gave them to validate this account. I contacted XXXX XXXX XXXX XXXX XXXX I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX XXXX a Manager in fraud and dispute. it has been over 90 days and full investigations by all XXXX bureaus. and XXXX XXXX has violated my rights to fair and accurate reporting. I am attaching proof.

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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Social Security # XXXX DOB : XX/XX/XXXX XXXX LVNV Funding Resurgent Capital XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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