vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I found inquiries and acoounts on my report that i dont recognize on my report and need them removed as soon as possible

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 2025-02-10 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I found inquiries and acoounts on my report that i dont recognize on my report and need them removed as soon as possible

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 2025-02-10 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX. PA XXXX To Whom It May Concern : I am writing to formally dispute the following items on my credit report under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). These accounts are either inaccurate, unverifiable, or potentially fraudulent, and I request their prompt removal within four ( 4 ) business days due to urgent financial needs ( e.g., pending mortgage application ). 

**Disputed Accounts : ** XXXX. XXXX XXXX  XXXX Account # XXXX - *Reason : * Inaccurate reporting. No recollection of this account ; potential identity theft. 

XXXX XXXX XXXXXXXX Account # XXXX - *Reason : * Incorrect account details. Not recognized as a valid obligation. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX - *Reason : * Unverifiable information. Suspected reporting error. 

XXXX. XXXX XXXX Account # XXXX - *Reason : * Fraudulent activity. Did not open this account. 

XXXX. XXXX XXXX XXXX Account # XXXX - *Reason : * Outdated or duplicated entry. Paid in full, yet inaccurately reported. 

XXXXXXXX XXXX XXXX Account # XXXX - *Reason : * Unauthorized account. Suspected identity theft. 

XXXX. XXXX XXXX Account # XXXX - *Reason : * Inaccurate status. Closed account erroneously marked as open. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX - *Reason : * Incorrect balance or ownership. Not my account. 

XXXX XXXX XXXX XXXX Account # XXXX - *Reason : * Unverifiable. No contractual agreement with this entity. 

FTC Report Number # XXXX **Action Requested : ** - Conduct a thorough investigation under FCRA Section 605 ( b ).

- Remove or correct all disputed items within four ( 4 ) days due to urgent financial circumstances.

- Provide written confirmation of resolution and an updated credit report.

**Enclosures : ** - Copy of government-issued ID.

- Proof of address ( utility bill ).

- [ Include any additional evidence, e.g., police report for identity theft ].

I trust you will prioritize this matter. Failure to resolve within the statutory 30-day period may result in legal action. For expedited processing, contact me at XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: Ava Finance, Inc
State: CA

Complaint narrative:
Someone have used my name to get credit cards and used my name on credit building website. Now I have hard inquiries thats I have no clue where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
- PURCHASED HOUSE ON XXXX. 
- FILED FOR AND GRANTED HOMESTEAD AND OVER 65 EXEMPTIONS FOR XXXX AND XXXX. 
- XXXX - LOAN SERVICING TRANSFERRED TO - Select Portfolio Servicing, Inc. ( SPS ). 
- CONTACTED SPS IN XXXX AND XXXX REQUESTING TO REANALYZE ESCROW ACCOUNT AND ADJ MONTHLY ESCROW PMT. 
- WAS TOLD BY THEM THEY HAD TIL XXXX TO CORRECT. 
- SPS show they made payment of {$12000.00} for XXXX Taxes. 
- XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX shows - Payment Applied of {$7800.00}. 
- This is an overpmt of {$4400.00} for XXXX. 
- XXXX requesting XXXX / mo XXXX XXXX of {$1000.00}. 
- Based on XXXX XXXX Applied of {$7800.00} - The XXXX / mo XXXX XXXX should be Approx = {$650.00} / mo. 
- This is Monthly Over Pmt of Approx = {$360.00} / mo. 
- As of XXXX - Nothing has been done to refund monies and / or adjust Monthly Escrow Payment. 
- REQUESTING IMMEDIATE ACCOUNT CORRECTION AND REFUND OF OVER PAYMENTS!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In XXXX of 2024 I began receiving calls from Portfolio Recovery. After speaking with a representative and requesting their email and mailing addresses, I sent correspondence requesting verification of the debt and instructions to not call me during the hours of XXXX and XXXX EST. Since sending an email on XX/XX/2024 to the address provided by one of their representatives ( XXXX ) and written correspondence via certified mail, I have received over XXXX telephone calls from Portfolio Recovery during the hours I requested they not call me. 

Portfolio Recovery responded to my initial complaint filed with the CFPB stating : " PRA reviewed its records and found no instance in which PRA improperly called our customer regarding the PRA accounts ending in XXXX and XXXX. We reviewed our call logs and found no record that we attempted to communicate regarding collection of the PRA accounts ending in XXXX and XXXX before XXXXXXXX XXXX or after XXXXXXXX XXXX. in our customers local time or at other times when we knew or should have known were inconvenient. '' Please refer to the attached email I sent in which I requested no telephone calls during work hours and the screenshots from some of the numerous calls I received. 

The images provided and email show that Portfolio Recovery has tried to contact me on numerous occasions after I requested they not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I paid {$500.00} to my bank of america credit card the amount was paid in error and should have been paid to a new auto loan at bank of america. I then had a XXXX on my credit card. 
I called bank of america and they made a credit card adjustment and moved the {$500.00} to my auto loan payment on XX/XX/XXXX at this point all is well. 

I then made the following payments to pay off the auto loan. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX a total of XXXX payments total XXXX the auto loan is paid off. 


Now the problem : On XX/XX/XXXX a {$500.00} adjustment appeard on my credit card for no reason so now Bank of America states I owe {$500.00}? 
I have called Bank of America 3 times and at the end I get no answer to my problem. 
I just got off the phone with XXXX from the dispute department and she is also seeing what I see and states that it should be taken off but nothing is being done. 
This is some type of clerical error on Bank of America 's side that I am now stuck with.

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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am having issues with debit card transactions and checking account transactions when I use my debit card. The money is removed immediately from my account. The transaction is in pending status for the next week or two and by the time my next pay period comes the same money is taken from my new paycheck a second time. I am not sure if this is fraud on behalf of the people posting payments or if this is a banking error it happened a long time ago then it was corrected and now its happening again XXXX and XXXX my XXXX bill was deducted from my bank account on Friday, XX/XX/XXXX. I woke up this morning XX/XX/year> with {$880.00} in my account when I looked at my account again the XXXX  payment had been taken a second time no matter what I do they can not explain to me why my money is being taken a second time this happened with my last pay period and the prior pay period before that with other transactions, I am not sure if someone can alter their records, but I see my money coming out of my account twice and no one can explain to me the reason why

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Advanced Collection Bureau regarding their handling of a disputed debt account they claim I owe. Despite my request for comprehensive validation of this debt, their response has been woefully inadequate and, I believe, in violation of federal law. 

Details of the Complaint : 1. Legal Right to Collect : I requested proof of their legal ownership or assignment of the debt, including documentation that shows a complete chain of custody from the original creditor to their agency. In response, I received only a signed lease agreement and online account activity records, which do not constitute a full chain of custody.

2. Compliance with Federal Law : I asked for evidence of compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The agency 's response did not include any such evidence, raising concerns about their adherence to these laws.

Violations Alleged : FCRA Section 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 1 ) ( B ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & 1681s-2 ( a ) ( 1 ) ( B ) ) : These sections require that furnishers of information to credit reporting agencies ensure that the information they provide is accurate and complete. Failure to provide proof of ownership or assignment of the debt calls into question the accuracy and completeness of the information they have furnished, as they must establish their right to report the debt.

FCRA Section 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ) : Upon notice of dispute from a consumer, furnishers are required to conduct an investigation concerning the disputed information. This includes reviewing all relevant information provided by the credit reporting agency. Advanced Collection Bureau 's failure to adequately respond to my dispute with the required documentation may also constitute a violation of this provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-02-10 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I am writing to express concerns over the handling of disputes especially in light of the XXXX  highlighting significant issues with the service. While using Zelle frequently and reporting discrepancies I feel as though my financial institution did not investigate these claims thoroughly and adequately. I was told on numerous occasions that lost funds were impossible to track and locate deeming them unfeasible. I feel as a consumer I was not protected during this occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief