vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: WA

Complaint narrative:
I sent a Verification of Debt Request letter to Frontline Asset Strategies on XX/XX/23. This letter was received by them on XX/XX/23. As of the present date ( XX/XX/23 ), I have not received verification of the debt that this company is attempting to collect from me. Per the Fair Debt Collection Practices Act this information was supposed to be provided to me within 30 DAYS of receipt of the letter. Due to the failure of Frontline Asset Strategies to provide the information requested, they are violating my rights as a consumer and under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I spoke with a representative on XX/XX/XXXX and again on XX/XX/XXXX when I reiterated that I would be making a payment soonest on XXXX. I was asked about making the next payment which was to come due on XX/XX/XXXX and I told the representative that I would be making that payment in exactly 2 weeks from the XX/XX/XXXX in line with my next pay date. The representative informed me that I would need to come in to the office to make that arrengment and I informed her that I understood, but could not give her an exact date/time that I would be able to physically come in to the office. On today, XX/XX/XXXX, I missed a call from the company as I was working and then received a call from a family member later informing me that a representative from the company contacted him and threatened legal action and informing him that my account was 60 days past due l, which is NOT true. I am upset that details of my account were discussed without my authorization with another party especially since I had just spoken to them less than 24 hrs ago. I feel that this was done with spiteful intentions to agitate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a mortgage loan. The lender said they couldn't get a report from Experian. I called Experian and they said it was an address issue. I haven't moved from my residence in over 5 years. The address they have on file is correct. But for some reason they cant update my credit report or score. I have a credit report that dates back from XX/XX/XXXX. I have since filed 2 disputes in XXXX. I have provided them with my license and a updated bank statement with my address to prove I live at my current address. I have called several times trying to understand why I cant get a updated credit report over an address. This issue has started back XX/XX/XXXX. It is now XX/XX/XXXXXXXX  and they still have not updated my credit report. They keep giving me the run around it will update 24-72 hours. I have done my due diligence in trying to resolve myself.

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 2023-09-26 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: CT

Complaint narrative:
i have no knowledge of these accounts and hard inquries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a Business Checking Account with Chase Bank. I changed the name of my business with the Texas Secretary of State. Chase was unable to process the name change after 2 in-person meetings and closed my account and issued a check in the old business name that no longer exists. Below is the timeline of events, I am still trying to recover the missing funds : XX/XX/2023 at XXXX XXXX PT : In-person meeting at XXXX XXXX , XXXX XXXX XXXX , XXXX, CA. I provided certificate of amendment for name change. Name was successfully updated on online accounts. I am told name change is complete. 

XX/XX/2023 : I receive automated e-mail " Contact us by XX/XX/2023, to keep your account ( s ) open ''. Chase does not seem to have fully processed the name change from our previous meeting. 

XX/XX/2023 at XXXX XXXX CT : In-person meeting at XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, TX. I provided the amendment documents for a 2nd time. I was told the new business name had successfully been updated. 

XX/XX/2023 : I receive a check in the mail and notice that my account has been automatically closed. Check is issued in the old business name and I can't deposit it ( since the entity no longer exists ). 

XX/XX/2023 : I meet with Branch Manager to try and resolve the issue with my account and the check that can't be deposited since it is issued in old business name. After spending 1-hour in the branch with no progress, I inform them I would like to close accounts and request for a new check to be issued in the correct business name or my personal name. Branch Manager promises me check will be issued. I have an e-mail documenting this. 

XX/XX/2023 : I still have not received funds. I e-mail the Branch Manager asking for update. 

XX/XX/2023 : I contact Branch Complaint Escalation Group Re : internal Case Number XXXX. 

XX/XX/2023 : I e-mail Branch Manager again, and I receive a response from Branch Manager saying they are " working diligently to get this taken care of. '' I am promised an update on XX/XX/2023. 

XX/XX/2023 : No update. 

XX/XX/2023 : I drive to branch to attempt to speak with Branch Manager in person. I am told she is busy. At XXXX XXXX I receive an e-mail from Branch Manager requesting name change amendment documents ( for the 4th time ). I submit via e-mail. 

XX/XX/2023. I am still missing funds from liquidated account and file complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: DC

Complaint narrative:
Lockhart Morris and Montgomery ( LMM ) began reporting negatively on my credit report as of XXXX of XXXX for original debtor XXXX XXXX XXXX XXXX. I spoke with LMM through out the year ; however, LMM continued to falsely report that they were unable to get in contact with me and began employing predatory practices by inundating my credit report with inaccurate and derogatory remarks. I contacted the original debtor who provided the contact information for their billing department and PAID the original debtor. I emailed receipt of the debt paid in full to LMM medical manager XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called and spoke with XXXX, who was unprofessional, combative and stated " I'm not going to tell you what you want to hear '' and refused to transfer me to another personnel and proceeded to hang up on me and refused to provide details as to why LMM continued to add derogatory remarks on my credit even though the debt had been paid in full. XXXX stated she will not remove anything from my credit report and stated she will continue to provide false information to the bureaus. LMM needs to remove the debt and derogatory remarks completely from my credit report and should be ashamed for practicing in a deceptive, unprofessional and a predatory manner. I have recordings of the calls. The debt has been paid in full and they have record of receipt of this and are knowingly provide false information to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Request for Inclusion of Accurate Bank of America Account with a Credit Limit of {$45000.00} on Credit Report To Whom It May Concern, I hope this message finds you well. I am writing to address a critical issue regarding the accurate reporting of my credit information, specifically concerning an active Bank of America account with the account number " XXXX XXXX XXXX XXXX, '' which was opened on " XX/XX/2019 ( 4 yrs, 5 mos ). '' This account, which carries a substantial credit limit of {$45000.00}, has not been appearing on my XXXX credit report, despite it being the only legitimate Bank of America account that should be reflected therein. 

It is imperative to clarify that this particular account should not be mistaken for any other Bank of America account that I may have disputed in the past. The account details provided are accurate and pertain to a valid and active financial arrangement that deserves proper representation on my credit report. 

I kindly request that XXXX take the necessary steps to ensure the inclusion of this accurate Bank of America account on my credit report. This omission not only affects the completeness and accuracy of my credit history but also has potential implications for my financial standing and future credit opportunities. 

I appreciate your immediate attention to this matter and request prompt action to rectify the absence of this account from my XXXX credit report. Please confirm once the necessary updates have been made to accurately reflect this account with its associated credit limit of {$45000.00}. 

Thank you for your cooperation and timely resolution of this issue. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, 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 2023-09-26 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: UPGRADE, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
My account has a hold on it since the XXXX of XXXX, 3 days after i opened the account on the XXXX. 

They are asking me to step into a bank for this but thats simply not an optionXXXX XXXX XXXX XXXX XXXX XXXX  i hardly leave my home. 

They told me on the phone they wont close my account because of this hold, whatever the reason im not sure. 

Id like my account closed and the funds returned to the original funding method used or a check mailed to me. This has been a terrible experience for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act # XXXX XXXX XXXX, has violated my rights.

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 a account without my written instructions

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 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2023, the date in which I wrote and sent certified mail/letter to Midland Credit Management informing them that I am disputing their claim and requesting validation in which I am allowed to under the FDCPA. I requested validation of the debt they say I owe and requesting proof that I am indeed the party they are asking to pay the debt and to show proof of a contractual obligation binding on me to pay said debt to them. I did NOT request a validation of my address, or proof of address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested that if the office was unable to provide the proper documentation as requested, then I will require 30 days to investigate the information and during such time that all collection activity must cease and desist. Informed Midland that if the office fails to respond to the validation request within 30 days from the date of their receipt, that all references to the account must be deleted and completely removed from my credit file and a copy of deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Us Bank XXXX XXXX XXXX XXXX OH XXXX RE : Adverse Action Dear Us bank I the consumer and natural person. was denied credit by Us bank when I applied for a {$25000.00} personal loan and this is the XXXX time Ive been discriminated against Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are criminally liable for violating 15 U.S.C 1691 as I have proof that i was discriminated against by US bank due to the response I received. US bank is in violation of 15 U.S. Code 1642. U.S.C 168lm and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of companies name if US bank fails to make any reasonable procedures ( claims ) to resolve this matter and compensate me for the use of my credit card I will be making US bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for all the violations ( ( {$10000.00} ) per violation ). Thank you, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation