vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, a notarized affidavit was sent via certified mail and the consumer reporting agency has not complied with the legal and lawful demand to block information on the basis of a misrepresentation of fact. This complaint is a further claim and additional evidence to make the Consumer Financial Protection Bureau aware of the breach of contract on the federal level. Please see attached documents so that you are well informed.

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 2024-11-07 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to my local Seacoast National Bank ATM in XXXX, Fl. The ATM I used was located outside the bank. I made a initial deposit of {$220.00} into my checking account around XXXX XXXX. I proceeded to make a second separate transaction deposit of {$340.00} to my checking account. For some reason the ATM cancelled my transaction and failed to give me the {$340.00} back or even give me a receipt. I waited to see if the money would be returned and nothing happened. I checked my bank account and the money was not deposited successfully meaning the money was stuck in the ATM. I proceeded to file a report with the bank and they added the {$340.00} to my account on XX/XX/XXXX. They proceeded to investigate the incident and claimed their was no reason Seacoast National Bank was responsible. This included the bank deducting {$340.00} from my account again. I am very upset this happened and no one seems to look further into the issue. I have contacted their customer service and nothing is being done to investigate further. My money could not have just disappeared in the ATM. I remember clearly what bills I added into the ATM and have a text message of {$0.00} being deposited into my account at XXXX. I also tried making a third deposit to the ATM to see if something else would happen and the deposit button was no longer available meaning the ATM was not allowing any more deposits to be made. I have had this happen to me already at this same ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Subject : Debt Validation Request Dear SUNRISE CREDIT SERVICE, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.

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 2024-11-07 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: NY

Complaint narrative:
I am writing to request the removal of specific unauthorized accounts and inquiries on my credit report due to a recent data breach that exposed my personal information. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report : Unauthorized Accounts : XXXX. XXXX  XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-11-07 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: NY

Complaint narrative:
On my credit report its showing XXXX late payments which is incorrect, my account was disputed because there was a fraud claim on this account. So I didnt have XXXX missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This account is to old to still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: UT

Complaint narrative:
Subject : Request for Verification and Correction of Late Payment Information on Credit Report - Section 611 of the FCRA To whom it may concern, I am writing to you as a consumer to dispute the inaccurate late payment information reflected in my credit report issued by XXXX. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request that you conduct a thorough investigation and verify the accuracy of the information in question. This request is based on my right to have only truthful and accurate information reported on my credit history. 
Specifically, my credit report shows late payments on the following accounts, which I believe are incorrect as the payments were made on time. Therefore, I demand that the following accounts be re-investigated and that any inaccurate or unverified information be removed in compliance with FCRA provisions. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payment Listed : XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ) Date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XXXX XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) In accordance with Section 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file. Additionally, Section 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if, after an investigation, you can not verify the accuracy of this information, it must be immediately removed from my credit file.

Furthermore, I am exercising my right to verification under Section 1681i ( a ) ( 7 ), requesting that you provide details on the method of verification used to confirm the accuracy of these late payment records. If you can not provide this verification in a complete and detailed manner, I demand the removal of all information related to the aforementioned late payments.

Please send me an updated copy of my credit file once the investigation is completed, as provided for under my right to access updated information.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Subject : Request for Verification and Correction of Late Payment Information on Credit Report - Section 611 of the FCRA To whom it may concern, I am writing to you as a consumer to dispute the inaccurate late payment information reflected in my credit report issued by XXXX. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request that you conduct a thorough investigation and verify the accuracy of the information in question. This request is based on my right to have only truthful and accurate information reported on my credit history. 
Specifically, my credit report shows late payments on the following accounts, which I believe are incorrect as the payments were made on time. Therefore, I demand that the following accounts be re-investigated and that any inaccurate or unverified information be removed in compliance with FCRA provisions. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payment Listed : XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ) Date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XXXX XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) In accordance with Section 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file. Additionally, Section 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if, after an investigation, you can not verify the accuracy of this information, it must be immediately removed from my credit file.

Furthermore, I am exercising my right to verification under Section 1681i ( a ) ( 7 ), requesting that you provide details on the method of verification used to confirm the accuracy of these late payment records. If you can not provide this verification in a complete and detailed manner, I demand the removal of all information related to the aforementioned late payments.

Please send me an updated copy of my credit file once the investigation is completed, as provided for under my right to access updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
Today,XX/XX/XXXX, I received a call from the phone number XXXX. She stated " May I speak to XXXX XXXX XXXX '' I said " may I ask who is calling? '' She said " I'm calling from Credit Management Company, is this XXXX XXXX XXXX? '' I said " yes, may I help you? '' She said " I need to confirm the last 4 of your social is XXXX '' I said " I'm not confirming any information unless you can tell me the reason for your call. '' She said " I'm calling from Credit Management Company and I need to verify your information in order to proceed. '' I said I was not comfortable with that and she ended the call. I searched the company name and called the number listed on their website. Confirmed my information with them and they did not have me in their system or show any debts. I pulled my credit report and there is nothing listed in collections. I called the XXXX number listed above back. The same person answered immediately with " Is this XXXX XXXX XXXX. '' I said " Yes, who are you. '' She stated again she was " Credit Management Company. '' I asked for the website. She provided CreditManagementCompany.com. I told her the number I called her on was not listed on their website. She states " This is my direct extension. '' I asked for the main phone number. She provided XXXX. I immediately searched this number with no results through XXXX. I informed her of this. I then told her I called the number on CreditManagementCompany.com and they did not have me in their system and I suspected she was a scam. She then provided my address and asked to confirm that information in order to proceed with the call. I denied confirming information. I told her I would be reporting her as fraud. She then provided my information again and asked to confirm. I declined and requested she mail any requests. She stated she could not do so without confirming my address. I again told her to mail whatever she wanted to the address on file and informed her I would be reporting her. At no point in the call did she say " this is an attempt to collect a debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: AZ

Complaint narrative:
I am reaching out to formally dispute several hard inquiries on my credit report that were made without my permission. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires my express consent for any hard inquiry. I have not authorized these inquiries, and their presence is both unauthorized and detrimental to 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 non-monetary relief
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-11-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX balance {$120.00}, XXXX XXXX balance {$350.00}, XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX  balance {$370.00}, XXXX  XXXX bank balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX  balance {$120.00}, XXXX XXXX balance {$350.00}, XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX balance {$370.00}, XXXX  XXXX XXXX  balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened up an account with TD Bank on XX/XX/XXXX. I was able to use XXXX, as well as pay bills online if necessary. I went to the bank in person where I gave the teller my ID and got a copy of a direct deposit slip. Once I left the bank, my account immediately stopped working. I called customer service that same day where they told me my account was locked for fraud. I then went through the verification process using my credit information. They told me the account would be restored within 24 hours. The next day I lost access to the account. I then called the bank back on Thursday, XX/XX/XXXX. They told me the branch rejected the verification and that I needed to go in person to re-verify the account. I went on Friday to the branch in person where they told me they Fraud department would have to unlock the account because there was nothing they could do due to the account being on no check status. I asked if I could just close the account and have my money back and they told me no. I told them it is important that I have this money back as soon as a possible as that is the money I needed for my medication. They said they would submit a form and I should have an answer within 24 hours. Its now been a week and I still have no answers and no access to the money in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

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