vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I have been advised that I had a delinquent account with XXXX, I called XXXX, they sent me to a brick & mortar store I went there and was advised I do not have an account with XXXX. I had an account with XXXX but it was a business account, and it may have been bought by XXXX but nobody could confirm the account or the debt or when was the debt acquired. My XXXX account was a business account for the law firm and closed with a {$0.00} balance. I do not have XXXX had them for 6 months and ported my account over to the cable company, it should be noted an account will not be ported over if it has an outstanding balance, thus I could not have ported my account to XXXX if there was a balance. I have repeatedly requested validation of the debt as per the FDCPA, no validation or information has been provided for XXXX XXXX but they have tapped my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has also no permission to report anything using my info pursuant to 15 USC 1681 4. Radius Global Solutions shows on my credit report in the amount of {$260.00} dollars. Ive never heard of nor done business with this company or XXXX XXXX XXXX. I have been with XXXX XXXX for well over 20 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX is the only company services that Ive used.

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 2024-05-09 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: EQUIFAX, INC.
State: PA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing in regard to a fraud case that I filed with your company, Claim Number XXXX, in XXXX. 

Here are the details of this case. Back in XX/XX/year>, I applied for and opened a credit card with Bank of America. According to your records, a balance transfer of {$6600.00} was made onto the account, however this was not done by me. I have never once used this card. 

This matter only came to my attention when I received a letter via XXXX  saying that the account will be charged off if I dont make a payment in XXXX. At that point, I started inquiring about the situation and filed the fraud report. Within a few days I received notice that the fraud claim was rejected and that I was responsible for the transfer that I did not make. 

The fact that a company of your size would do such a quick and unthorough review and would immediately come to the conclusion that the charges are my responsibility despite numerous advertisements to the contrary is highly disappointing and extremely worrisome for me financially. 

I demand that you take action to see that these charges reversed immediately. In addition, I demand that Bank of America clarifies with the credit bureaus that this incident was of no fault of mine and works to correct my credit record.

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 2024-05-09 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-09 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: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2024, in reviewing my Bank account, there was a charge for XXXX with my debit card. XXXX preferred payments is PayPal XXXX XXXX and not my Debit Card. PayPal made a decision regarding defective/damaged items chemically treated which made it unwearable. PayPal XXXX XXXX collect funds for certain companies and collect addition funds to process in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit bureaus stated my account was properly investigated, but how is that possible if the last active date is inaccurate and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Resolution : Please delete this item from my report IMMEDIATELY.

If the furnisher finds any information disputed by the consumer to be inaccurate or incomplete or if the information can not be verified, the furnisher must, as appropriate, based on the results of the reinvestigation promptly either modify, delete, or permanently block the reporting of that information. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ). 

Account XXXX XXXX XXXX XXXX XXXX Amount : {$1600.00} XXXX XXXX XXXX  XXXX Amount : {$2700.00} XXXX XXXX XXXXXXXX : {$27000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-09 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-09 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: PR

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 2024-05-09 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: PR

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 2024-05-09 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to not only dispute inaccuracies listed on my credit report but also to question the validity of the reported debt claims. I am concerned that these discrepancies and the uncertain legitimacy of the debt claims could significantly impact my financial reputation and creditworthiness. My credit report lists the original lender as XXXX with XXXX and XXXX but XXXX XXXX with TransUnion. 

Discrepancies and Validation Request : Original Lender Name Inconsistency : Issue : Varied reporting of the lender 's name across credit bureaus. 
XXXX Requested : Uniform correction of the lender 's name. 
XXXX XXXX Variability : Issue : Inconsistent reporting of the collection agencys name. 
XXXX Requested : XXXX and correction of the agency name. 
Status Descriptions Variability : Issue : Disparate descriptions of the debt status. 
XXXX Requested : Standardization of the status description across all reports. 
Validation of Debt Claim : Concern : The legitimacy of the debt itself is unclear to me, and I do not recall any transaction that could have led to the reported claim. 
XXXX Requested : I formally request that you provide comprehensive documentation validating the debt, including the original contract or agreement I allegedly signed, a detailed account statement showing the derivation of the balance claimed, and proof of your legal right to collect this debt. 

Under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( XXXX ) ( b ), I request a thorough investigation into the aforementioned inaccuracies and a detailed validation of the debt within the legally mandated XXXX period. Should these investigations determine that the information is inaccurate or the debt can not be validated, I expect the immediate correction or deletion of this entry from my credit file. 

I appreciate your prompt attention to this matter and look forward to your written response confirming the actions taken on these issues. 

Thank you for your cooperation. 

Sincerely,

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 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX XXXX Freedom Mortgage, as of XXXX. I have had problems such as not being able to set up an online account or make a payment on my due date. I have called repeatedly and been transferred around throughout the month of XXXX of XXXX. On or around XXXX, XXXX, XXXX when I did reach someone they said my information had not been uploaded. My payment is due on the XXXX of every month. 
On or around XX/XX/XXXX, I received a nasty warning letter from Freedom Mortgage stating I did not have Insurance coverage and stating that Freedom Mortgage would be paying my insurance and I would have to pay them for the insurance. My insurance agent faxed in proof of coverage the following business day, XX/XX/XXXX. On XX/XX/XXXX, I called in again to make a payment and was told again, I am unable to make a payment or set up online access due to the fact my loan information had not been uploaded. On XX/XX/XXXX, I received an email stating that Freedom Mortgage paid my insurance out of my Escrow account to XXXX XXXX whom provides my insurance. Freedom Mortgage took monies out of my Escrow account. My Escrow account is set up for my Taxes ONLY. Now Freedom Mortgage stated it's my responsibility to recoup said monies from XXXX XXXX, but that they will continue to take those monies from my Escrow. I have been bounced around without any resolution. The last XXXX for Freedom Mortgage said it's not their problem.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXXXXXX XXXX paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX & XXXX XXXX XXXX XXXX ( Capital One ). I told Capital One to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was a credit card charge on my account from a XXXX XXXX I did order candles from them but they would not be in time for a trade show i needed them for so i canceled the order. The company shipped them anyway I refused shipment. I never brought the boxes into my home, I did not want them - however the company charged me {$1000.00} XXXX disputed the charge - Chase wanted me to provide the company received the product back. I don't have that information I was not the shipper nor did I take possession of the item They kept asking me for something I did not have. I did not get the product and should not be charged for it Chase removed the charge- then placed it back onto my account when I did not give the tracking. I cant give Chase something I dont have - I refused the product

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My account is in frozen status since XX/XX/2023 I spoked with to bank ( XXXX ) to unfreeze my account they ask for my green card ssn card and passport and I provided with all the information that they requested for serval occasions but still my account is frozen and they refused to close my card and give me the available money in my account

Company response to consumer: Closed with non-monetary relief