vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: MI

Complaint narrative:
company has failed to correct my credit report for the late payments submitted by XXXX XXXX XXXX. there continued fraud is causing me alot of issues. we have court XX/XX/XXXX with them would you like to be sued as well? i suggest one last time you remove all late payments posted by that company during the timeframe we have not been delivered what we purchased which is from XXXX and beyond of 2021 the next person to ask you will be a judge. credit acceptance did not provide the goods and services to us that we purchased. this is our final demand as we will be Sueing you for damages and our inability to properly use pr credit which is now your fault as well you have been given ohhh XXXX pages of documents you should have reviewed ewould you like me to forward you our XXXX in damages we are sueing the bank for i have not figured out what your portion of fault this is but im sure the judge can if you dont immediately make corrections

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 2024-04-04 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: IL

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the accounXXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 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: GA

Complaint narrative:
I would like an investigation opened and also file a complaint regarding incorrect information reporting on my credit report. I'm distressed that the credit bureaus have failed to maintain reasonable procedures to assure accurate information is being reported. Credit reporting laws are to ensure that the bureaus only report 100 % accurate information and every step must be taken to assure that. The following information regarding my account is in fact incorrect and needs to be investigated. I would like to see proof of the original signed contract. If documents can't be provided in such timely manner 15 days that will make the agency in violation of 15 USC 1692g.I asked that the account, please be removed from my credit profile. 


CONTRACT CALLERS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$1700.00} Balance updated XX/XX/2024 Recent payment - Monthly payment - Original balance {$1700.00} Highest balance - Terms 1 Months On record until XX/XX/2030 2030

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 2024-04-04 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:
I trust this letter finds you well. I am writing to follow up on my recent dispute regarding the accuracy and completeness of certain accounts on my credit report. The accounts in question are as follows : 1. XXXXXXXX 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 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 I appreciate your attention to this matter and would like to inquire about the status of the investigation into these disputed accounts. If the accounts have been verified as accurate and complete, I kindly request that you provide me with the following information : 1. The specific details that were verified for each account.

2. The source of the information that was used to verify the accounts.

3. Any supporting documentation that accompanied the verification process. 
Understanding the details of the verification process will assist me in addressing any remaining concerns and ensuring the accuracy of my credit report. It is my right under the Fair Credit Reporting Act to receive this information, and your cooperation is greatly appreciated. 
If the investigation is still ongoing, I request that you provide an estimated timeline for the resolution of this matter. I understand that thorough investigations take time, and I appreciate your commitment to resolving this dispute in a fair and timely manner. 
Thank you for your attention to this matter, and I look forward to your prompt response.

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 2024-04-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been a victim identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: FL

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 2024-04-04 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: FL

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made a dispute for a charge made on XX/XX/2024 in the amount of {$5700.00} and the initial dispute was made by phone then followed by mail dispute that included attachments. 5/3 denied my claim 2 times then I made a complaint with cfpb and I was notified by a XXXX from the office of the President at 5/3. She advised she would contact the disputes department to find out what was going on with my complaint. XXXX had no knowledge of my case and I soon learned she is just a liasion to satisfy the cfpb process, but she actually did not handle the claim, she simply contacts the departnment and passes the information. I supplied numerous pieces of evidence that this charge was not valid. I have continuously paid my credit as to not have any negative credit history. I had disputed at least 4 additional times but in this complaint I am now submitting proof from the State of Michigan that this business did NOT supply me what I paid for. I notified 5/3 in due time to reverse the charge and now so much time has passed yet I still owe the bill. I am asking to have this removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Hello, On Tuesday, XX/XX/2024 I reached out to Eastern Account Systems to verify and validate a debt shown on my credit report. 
After speaking with a representative and a supervisor I specifically asked for account to be deleted from my credit reports upon making a payment to close and settle account. 
I was advised by the supervisor that upon payment I would immediately get a receipt of payment made, however I also asked for a letter of confirmation stated account would be deleted from reports and that account was paid or satisfied or settled. 
The supervisor whom took my payment assured me that I would get the letter I asked for and agreed to upon payment within 34 hours and I never received the letter at all.

I did a follow up call asking for the letter and was told that the supervisor whom told me I would receive one was wrong because now supposedly no letters are ever sent out to clients or people whom make payments to close accounts. Therefore, so was lied to and mislead by this supervisor from Eastern Account Systems Collection company.

The supervisor representing the company Eastern Account Systems flat out lied and has conducted unprofessional business along with malpractice.

Furthermore, I disputed the information with credit bureaus and also received information stating that Eastern Systems confirmed balance as if I never paid it or closed the account which is absolutely not true as I have receipt payment to close account.

Clearly EAS has once again lied that I owe a balance that it hasnt been paid and are refusing to delete account as agreed via phone with the supervisor and with getting letter upon payment.

If need be I will take all necessary legal actions to pursue Eastern Account Systems for negligence, malpractice, misleading me and providing bad information which has and will continue to harm my credit and credit reports for a lier supervisor with its collection practices.

The representative whom provided me information about no notes or nothing being discussed of the letter I asked for for my records at EAC her name is XXXX or XXXX the call was made on XX/XX/2024 @ XXXX XXXX and lasted about 13 minutes long. She said she requested the letter supposedly and it would be 24-48 hours and that she has been working there for 9 years and shes never dealt with such a discrepancy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
It's my understanding that FCRA 605B necessitates the deletion of any faulty accounts from my credit history. Could you review the documents? Some of the accounts listed exhibit inaccuracies in reporting, amounts, and dates.

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 2024-04-04 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: IL

Complaint narrative:
It's my understanding that FCRA 605B necessitates the deletion of any faulty accounts from my credit history. Could you review the documents? Some of the accounts listed exhibit inaccuracies in reporting, amounts, and dates.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BUSEY BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email Address : XXXX Phone : XXXX Date : XX/XX/XXXX Dear Financial Consumer Complaint Department I am writing to file a financial consumer complaint against Busey Bank regarding the handling of my account closure request of : Checking Account : [ Account Number Ending in XXXX ] Savings Account : [ Account Number Ending in XXXX ] I sent a formal closure letter via registered mail to Busey Bank of XXXX Illinois on XX/XX/XXXX, addressed to XXXX XXXX, requesting the closure of my checking and savings accounts due to a significant life change, specifically, my relocation to XXXX, North Carolina. In the following weeks, I followed up with XXXX, XXXX, XXXX, XXXX, XXXX, and a few others. Who always tell me a banker will cal. I have no missed calls from Busey. On XX/XX/XXXX. I spoke to XXXX, who transferred me to XXXX, who essentially asked the same verifications questions. 

Despite multiple attempts to resolve this matter, I have encountered significant obstacles and delays. To date, I have spoken with over XXXX supervisors at Busey Bank, all of whom have promised that a banker would contact me, but to no avail. Additionally, I have been subjected to repetitive questioning regarding my signature, which has been impacted by a XXXX, resulting in XXXX XXXX XXXX 

Furthermore, Busey Bank has refused to accept a letter from my XXXX XXXX doctor, verifying my identity in person. This refusal has hindered the closure process and prevented me from accessing my funds, which are urgently needed to secure housing in my new location. 

In contrast, I have successfully opened a checking and savings account with XXXX XXXX Bank XXXX XXXX in XXXX, where Banker XXXX XXXX attempted to facilitate a wire transfer of my funds from Busey Bank. However, this transfer was inexplicably refused by Busey Bank, further exacerbating my situation. 

I am deeply distressed by the lack of responsiveness and cooperation from Busey Bank, especially considering my current displaced status and urgent need for access to my funds. I believe that Busey Bank 's actions, including their refusal to accept valid documentation and their failure to facilitate the closure process, constitute a violation of consumer rights and banking regulations. 

Therefore, I respectfully request that the Financial Consumer Complaint Department investigate this matter promptly and take appropriate action to ensure that Busey Bank complies with all relevant regulations and resolves this issue satisfactorily. 

Thank you for your attention to this matter. Should you require any further information or assistance, please do not hesitate to contact me at XXXX or XXXX. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
my homeowners insurance co. sent out an individual to take pictures of the property. then notified me that i must replace the roof. i could not afford a new roof at the time so they canceled my insurance. my mortgage co then got me a new policy ... my mortgage payment more than doubled! my new rate is unsustainable! i am now facing losing everything! now i cant afford a new roof or electric or food or car insurance or anything else! my XXXX XXXX and XXXX  also live with me. we will all soon be homeless. i disconnected my water heater months ago... i have done multiple things to cut expenses there is no more i can do. alot more i could say but this is my current situation.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Incorrect information on my credit report with 2 closed accounts with Capital One balanc of {$460.00} Opened XX/XX/XXXX closed XX/XX/XXXX & another capital one account balance of {$150.00} opened XX/XX/XXXX closed XX/XX/XXXX.

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

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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