vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXXXXXX and contains erroneous details that do not reflect my financial history accurately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. 
Open Status : This account is not supposed to be listed as " open ''. This account is inaccurately listed as such.

Payment status : This account is reporting as " Missed Payment '' on my report. 
No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 
Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 
Correct my credit report accordingly and provide me with an updated copy. 
I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.

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 2024-05-19 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: NC

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-19 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: NC

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-19 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: NC

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Two weeks ago, I could not access my US Bank phone app and received declined notices when trying to pay bills online. At the time, my checking account had a balance of XXXX dollars, and the bills were only a few XXXX dollars. I called the number on the atm card and was rerouted to the fraud protection people. They asked if I had XXXX transferred money. I said yes. They asked to whom and how much. I told them. They asked what your relationship is with the person you sent money to. I told them what difference that made when I sent the money. They are doing design work on a project for me. They then asked, did you try to link your card to an account owned by my girlfriend and me? I told them we had a XXXX XXXX card together, and I was trying to pay the XXXX XXXX bill. Again, they asked what is your relationship with this person. I told them it was none of their business. That this was my money, I will pay whoever I want. It's a checking account, not a loan. He said thank you, and that's all we need. The next day, I still could not get into my account or use my ATM card. I called back to find out what was going on again, and I was sent to fraud. They told me they were closing my account. They would not tell me why or when I would get a letter from the bank along with a cashier 's check. in about three days. After a week, I still had not received my money or letter. I called and was told they could not tell me when I would receive the letter or my balance.

The bank manager said there was nothing she could do and that it was all computers. She felt terrible this was happening. 

It has been 9 days, and still not a word or letter or money. I have bill collectors calling. I have bounced fees, and my credit will be affected.

What recourse do I have?

These were all phone calls they claimed were being recorded. I think this was retaliation for telling this particular person it was none of the bank 's business what my relationship was with the people I was sending money to. He hit some button that has caused all of this.

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 2024-05-19 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: CA

Complaint narrative:
XXXX XXXX XXXX  filed a collection on my credit report. They operate on behalf of XXXX. as a debit collector. It was only through my credit reporting agency that I found out about this collection. I was not contacted by phone, text email of postal mail. 
The claim is against a person named XXXX. My name is XXXX  and I explained to XXXX XXXX XXXX  and XXXX that there is an error in collecting from me. 
XXXX asked me to submit a Fraud Report that may or may not apply to this issue and I have done so. It seem to me that XXXXXXXX XXXX XXXX simply pinned the claim against me because I have a similar name and is not based on anything else. 

XXXX has my records going back several years and I remain in good standing with them. But my credit report in impacted from excellent to good. This is also a negative hit on my report.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 U.S. Code 1681 section ( a ) ( B ) ( c ) ( N ) ( o ) ( s ) Congressional findings and statements of purpose My credit report is showing everything is 100 percent on time but nothing has been changed All the inquiries have to be removed in each credit reporting system from TransUnion XXXX and XXXX even tho XXXX is a 3rd party so they really cant report anything negative at all!!!!

Everything thats charged off must b
e paid as agreed the credit cards old cars that are on there Privacy Act 1974 5 u.s code 552a Opt out laws ( Part 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION REGULATION P ) 12 cfr 1016.1 purpose and scope 12 cfr 1016.13 ( 14 ) ( 15 ) 12 cfr 1016.4 initial privacy notice to consumer required

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 2024-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
We switched insurance providers in XXXX of XXXX. The previous insurance provider- XXXX XXXX XXXX- was already paid from mortgage escrow for the period of XXXX. This resulted in a refund for the partial year in the amount of {$6400.00} which was refunded to Fay Servicing back in XX/XX/XXXX. 

Fay Servicing has not credited our account yet after around XXXX months. Even after many attempts and hours trying to get our money back, Fay has not been at any help to let us know why we haven't received it yet and when it's planned. After a long phone conversation of close to XXXX hours on XX/XX/XXXX, the rep finally " found '' the refund, but insisted they still need to post it or whatever, which has not happened yet. 

I need the money back, plus compensation for many hours wasted and the inability to use the money ( which resulted in interest on other debts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
For the last XXXX  months, I have been trying to get Equifax to report XXXX different accounts correctly from XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am currently applying for a mortgage and their inaccurate reporting is making the process difficult. The accounts in question were charged off back in XXXX and the Inaccurate reporting is showing all three as a recent missed payment when all three accounts were settled with the respective companies in XXXX. As the accounts are all listed as closed prior to being settled, it stands to reason that a late payment for settlement is inaccurate on the part of the CRB. I have asked Equifax to correct this both online and by phone to which the information has come back validated everytime. DoFD are XXXX, XXXX, and XXXX respectively. By inaccurately reporting, Equifax is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt Recovery Solutions , LLC has been attempting to collect a debt attributed to me in the amount of {$2000.00} and they have been reporting a collection to the major credit bureaus significantly affecting my credit history. Using consumer protection laws, I ask that remove collection reports immediately if do not have sufficient evidence of my liability for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Lvnv Funding Inc apparently sued me after repeat harassment of my family members being called and emails non stop being sent to me to speak with them. One individual threatened my father and uncle that they were looking to sue me if I did not return their calls. Next thing I know after I got my tax return for state, I was being garnished and my tax return was taken for it. I recieved no notification from the treasury nor the company about the garnishment. I only found out by having to call the Michigan treasury about why I was being garnished after going online to verify where my tax return was at. I don't even know what Court house to go through since I have nothing to figure out about it to challenge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it.

According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by.

Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. 

Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MO

Complaint narrative:
The account with XXXX XXXX is not mine. XXXX XXXX is reporting delinquent account XXXX XXXX on my credit report and I would like this removed from my credit report.

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 2024-05-19 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: MO

Complaint narrative:
The account with XXXX XXXX is not mine. XXXX XXXX is reporting delinquent account XXXX XXXX on my credit report and I would like this removed from my credit report.

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 2024-05-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The following inquires were added to my consumer report fraudulently : CBNA/THD XXXX CITIBANK NA/WAYMC XXXX XXXX XXXX CBNA/THD XXXXXX/XX/year>

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 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: DE

Complaint narrative:
XXXX wireless internet it wasnt wirking three days into having it I called it was canceled 8 months later a company called diversified is trying to collect {$270.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Oklahoma Student Loan Authority
State: GA

Complaint narrative:
Oklahoma Student Loan is still showing on my credit profile. The loan is no longer under OSL. This company refuses to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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