vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: VA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-04 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-04 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered XXXX XXXX XXXX XXXX XXXX in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.

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 2024-10-04 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: CA

Complaint narrative:
I have mailed in multiple disputes in regards to the inaccuracies on my account. 
You all continue to to reply the information has been verified but that is not possible because there is different information for each bureau and it's not correct! There's no possible way it could be which means you are in violation of USC623 in investigating and ensuring the information reporting is accurate. 

The most recent letters being sent XX/XX/XXXX & XX/XX/XXXX For the XXXX bank account the open date is showing incorrectly as well as the date of last activity as well as the date of last payment. 

This is a concern for me because the last activity date impacts not only my score but the statute of limitations and the amount of time this account is allowed to report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
I have mailed in multiple disputes in regards to the inaccuracies on my account. 
You all continue to to reply the information has been verified but that is not possible because there is different information for each bureau and it's not correct! There's no possible way it could be which means you are in violation of USC623 in investigating and ensuring the information reporting is accurate. 

The most recent letters being sent XX/XX/XXXX & XX/XX/XXXX For the XXXX bank account the open date is showing incorrectly as well as the date of last activity as well as the date of last payment. 

This is a concern for me because the last activity date impacts not only my score but the statute of limitations and the amount of time this account is allowed to report to my credit.

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 2024-10-04 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: FL

Complaint narrative:
Previously, I submitted a dispute regarding inaccuracies in my consumer report, specifically related to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a third attempt to formally dispute the inaccurate information appearing on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) regarding the Accuracy and Fairness of Credit Reporting, and 15 U.S.C. 1681s-2 pertaining to the Duty of Furnishers of Information to provide accurate information, I am turning to the CFPB for remedy. Upon reviewing my credit report, I have identified these two charged-off tradelines contain numerous inaccuracies which are negatively affecting my creditworthiness. I respectfully request a thorough investigation and deletion of these tradelines based on the following inaccuracies : Please find the complete information attached to this file.

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 2024-10-04 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: GA

Complaint narrative:
My account with XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NM

Complaint narrative:
ON XX/XX/year> AND XX/XX/year> AND XX/XX/year> ALL AMOUNTS WAS XXXX I HAVE SET OFF THE ACCOUNT IN GOOD STANDING WITH A XXXX AND A 1099A AND 1099C THE COMPANY HAS NOT SET OFF THE DEBT AND CALLING MY PHONE EVERY OTHER DAY THREATING TO REPO MY VEHICLE, THEY NEVER SENT 1 FINANCIAL INSTRUMENTS BACK AND REPORTED ME TO THE BUREAU, I FILED A COMPLAINT WITH ALL 4 BUREAU 'S RECIEVED A EMAIL TODAY STATING THEY WILL NOT REMOVE THE INACCURACY OFF MY REPORT MY SCORE HAS DROPPED DRASTIC BECAUSE OF THE REPORTING I NEVER APPROVED, PLUS THEY HAVE SENT ANOTHER REPORTING TODAY TO THE BUREAU 'S STATING DELINQUENT MY SCORE HAS DROPPED 3 MORE POINTS TODAY.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputesas previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 
Sincerely, 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 2024-10-04 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: IN

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 2024-10-04 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: IN

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 2024-10-04 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: WA

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 non-monetary relief
Consumer complaint received 2024-10-04 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: WA

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 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I did not realize I owed a debt until I went in to get a new loan and found these on my credit report. I called the insurance company and they gave me the number of the credit company. I called the credit company and they refused to accept payment and said my account was on hold. I can't get a loan without paying these off, and they won't accept payment or take them off my credit. At this point I am very upset and frustrated there is no avenue to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, P.A XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

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 2024-10-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to USC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.

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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I deposited a check from my outside business account. The account was shared with a business partner who stated he did not receive the check as it took several months to receive the check from the bank. The check was for {$5500.00}. After communication, the business partner explained he made the claim in error due to documents sent to multiple different addresses as we live in different areas and the bank taking an extended time to send the check from the account. This was due to the business account being closed for inactivity. He expressed this to the claiming bank and the claim was not continued with that bank. This was communicated to XXXX XXXX XXXX and immediately the bank closed my account. The timing of my account being closed was directly after receiving my direct deposit from work. I attempted to use my card XX/XX/year> and my card was declined. Shortly after, I called the bank and was told that my account had a hold on it for investigation. After the phone call, I received an email stating what I was told. I called back about this email and then was told my account would be closed. This is less than XXXX minutes in time. I have been waiting for further communication and did not receive any correspondence since XX/XX/year>. This email stated the account will be closed and they have concluded their final review. I called capital one again on XX/XX/XXXX and was told they can not give any information. I called again on the XXXX as I am not really stressed due to not having my funds. I have not been able to pay my rent and am currently in a space where I soon will be evicted. The information given to me in the final call was that the investigator is still investigating and they want to determine whether or not they are going to use the funds to send back to the bank claiming fraud. They will not let me know when I will see my money if at all in their words. Beyond the fact that they are unhelpful, they have been extremely rude and have no sympathy for the situation I am in. I really need the funds in my account which would be {$1400.00}.

Company response to consumer: Closed with explanation