vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my request for securitization verification, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), which requires a thorough investigation and the provision of documentation for verification. 

Details of the Situation : Account info Account nameXXXX XXXX XXXX XXXX Account XXXX Request for Securitization Verification : I submitted a request to XXXX to verify the securitization status of an account listed on my credit report. My request was based on the need to confirm compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that credit reporting agencies must provide documentation proving each transfer and ensure proper securitization of the debt. 

XXXX XXXX : XXXX responded by verifying the account as accurate and meeting FCRA guidelines, but they did not provide any supporting documentation or records regarding the account 's securitization or the transfers that occurred. They failed to provide evidence proving each transfer and compliance with proper securitization protocols. 

Failure to Comply with FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes an item on their credit report, the credit reporting agency is required to " reinvestigate the disputed information '' and provide " all relevant information '' that substantiates the information being verified. By failing to provide the requested documentation on the securitization process and transfers of the debt, XXXX did not properly investigate my dispute or provide the necessary evidence. 

Securitization and Transfer Documentation : I specifically requested documentation that proves the securitization of the debt, along with records for each transfer of ownership, to ensure that all proper transfer protocols were followed. 15 U.S.C. 1681i ( a ) ( 5 ) requires that such documentation be provided when the consumer disputes the information, and XXXX has failed to comply by not providing this information. 


Impact : XXXX failure to provide any documentation related to the securitization of the debt or the transfer of ownership of this account means that they have not fulfilled their obligations under the FCRA. This has left potentially inaccurate information on my credit report, which negatively impacts my creditworthiness and financial stability.

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 2024-11-15 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have charge offs from companies that reported on my credit.. these companies never provided me any 1099 but got tax breaks for profit lost.. Im requesting 1099 to get these charge offs removed off my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: Self Financial Inc.
State: NV

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX  Complaint Summary : I am submitting a formal complaint regarding SBNASELFLNDRs ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my account and failing to provide adequate verification. Despite my hand written certified mail request for correction and deletion sent XX/XX/, SBNASELFLNDR has instead provided me with a list of payment dates via email, which does not substantiate the reporting inaccuracies. The continued inaccuracies are damaging my credit profile and violate federal consumer protection laws. 

Issues with Reporting : Inaccurate Comments on Account Status : SBNASELFLNDR has included a comment stating paid from collateral on my account, which does not accurately reflect the accounts status and is misleading to creditors. 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate information, yet SBNASELFLNDRs continued reporting of paid from collateral is misleading and inaccurate. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) SBNASELFLNDR failed to adequately verify the accuracy of the account information, as required by FCRA. Merely providing payment dates via email does not constitute sufficient verification. 
Lack of Adequate Verification : I requested a method of verification ( MOV ) under the FCRA, but SBNASELFLNDRs response was insufficient, providing only payment dates without addressing the inaccuracies in the account comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello. 

On XX/XX/year>, I received a call from a Bank of America number and the representative was saying that he is calling in regards of some suspicious activity on my account, some transactions, and if I would like to stop them I have to give him a code that he is going to send me as SMS. He sends the SMS  and I gave him the code right away. After about 15min I realized that this might be a scam or fraud activity and I jumped on checking my bank account and I discovered that there are already XXXX wire transactions going out of my account. At this point I called Bank of America customer Service right away and I asked them to stop those XXXX already unauthorized wire transactions, while being on the call with customer service, XXXX additional wire unauthorized transactions occurred that I asked to be stopped as well. Total amount transferred out of my account was in XXXX transactions was {$120000.00} Bank of America realized the funds even after I called them right the way and told them that this is the scam activity and I do not authorize the transactions.

They opened a claim instead and told me to wait up to 90 days to get the claim resolved and to get the funds reimbursed.

After 90 business days I received a latter from Bank of America in my mail that the claim was not honored.

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 2024-11-15 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: FL

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: VT

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, I drove through XXXX XXXX tolls in the state of XXXX  ( " XXXX '' ). My XXXX XXXX was not set up correctly, so I ended up owing tolls, {$8.00} in total. 

After receiving written notice of the toll, I called to make the payment by phone ( XX/XX/XXXX ). The call was disconnected - I did not realize payment was incomplete. I heard nothing from Client until XX/XX/XXXX, when I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX and informed that my balance was now {$180.00}, a 2,200 % increase. 

I called XXXX on XX/XX/XXXX to ask what had happened with my payment. I was peremptorily advised that the statute had passed and I could not pay the toll or legally challenge the assessment. I asked to speak to a supervisor. The agent was furious with me for escalating. These calls are recorded - you will hear it for yourself. XXXX hung up on me after a protracted wait for a supervisor. I did not terminate the call. 

I then turned to XXXX for relief. I explained the above. I stated that I had attempted to pay, had no notice that the payment was not complete after the failed call ( from XXXX through XXXX ), and that XXXX kept hanging up on me after long calls. I explained that I had no opportunity to discover the payment issue and no opportunity to pay the toll between XXXX and XXXX. XXXX XXXX and XXXX XXXX records reflect that. XXXX does not have clean hands in this matter. 

Per a letter dated XX/XX/XXXX, XXXX wrote me a purported summary of events. It is generally accurate, although it states that I " stated wait was too long and disconnected the call '' - the phone recordings will show that is untrue. 

I find myself in a XXXX  universe where no party will take responsibility and every call ends up in long waits, transfers, and eventually disconnection. I don't feel I have any other recourse other than to contact you. I would happily pay the tolls and even some fees, but do not wish to encourage predatory practices by paying off the firm for the sake of the common good. 

NOTE : XXXXXXXX XXXX notices to me, which I have, will confirm the above other than as noted above. That notice omits reference to the phone call I had with their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my request for securitization verification, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), which requires a thorough investigation and the provision of documentation for verification. 

Details of the Situation : Account info Account XXXX XXXX XXXX XXXX Account XXXX Request for Securitization Verification : I submitted a request to XXXX to verify the securitization status of an account listed on my credit report. My request was based on the need to confirm compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that credit reporting agencies must provide documentation proving each transfer and ensure proper securitization of the debt. 

XXXX XXXX : XXXX responded by verifying the account as accurate and meeting FCRA guidelines, but they did not provide any supporting documentation or records regarding the account 's securitization or the transfers that occurred. They failed to provide evidence proving each transfer and compliance with proper securitization protocols. 

Failure to Comply with FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes an item on their credit report, the credit reporting agency is required to " reinvestigate the disputed information '' and provide " all relevant information '' that substantiates the information being verified. By failing to provide the requested documentation on the securitization process and transfers of the debt, XXXX did not properly investigate my dispute or provide the necessary evidence. 

Securitization and Transfer Documentation : I specifically requested documentation that proves the securitization of the debt, along with records for each transfer of ownership, to ensure that all proper transfer protocols were followed. 15 U.S.C. 1681i ( a ) ( 5 ) requires that such documentation be provided when the consumer disputes the information, and XXXX has failed to comply by not providing this information. 


Impact : XXXX failure to provide any documentation related to the securitization of the debt or the transfer of ownership of this account means that they have not fulfilled their obligations under the FCRA. This has left potentially inaccurate information on my credit report, which negatively impacts my creditworthiness and financial stability.

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 2024-11-15 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 am writing to formally dispute several inaccuracies i have identified in my credit report, which are detrimental to my creditworthiness and personal reputation. The erroneous entries pertain to unauthorized Accounts and incorrect personal information including names, addresses, and employment history. Aa a seasoned consumer law attorney I are aware of the requirements under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data industry Association ( CDIA ) guidelines, and I demand immediate recertification of these errors. as every attempt to notify or contact the credit bureaus has been ignored

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 2024-11-15 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 am writing to formally dispute several inaccuracies i have identified in my credit report, which are detrimental to my creditworthiness and personal reputation. The erroneous entries pertain to unauthorized Accounts and incorrect personal information including names, addresses, and employment history. Aa a seasoned consumer law attorney I are aware of the requirements under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data industry Association ( CDIA ) guidelines, and I demand immediate recertification of these errors. as every attempt to notify or contact the credit bureaus has been ignored

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 2024-11-15 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: PA

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-11-15 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:
Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

Thank you for your prompt attention to this matter. 
Sincerely, this account : XXXX. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from EXPERIAN associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, EXPERIAN has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2024-11-15 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: NJ

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from EXPERIAN associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, EXPERIAN has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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