vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: MI

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 2024-12-14 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: MI

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 2024-12-14 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: TX

Complaint narrative:
I REVIEWED THE CREDIT REPORT AND THERE WERE FRAUDULENT ACCOUN PLEASE REMOVE THEM.

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 2024-12-14 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: TX

Complaint narrative:
I REVIEWED THE CREDIT REPORT AND THERE WERE FRAUDULENT ACCOUN PLEASE REMOVE THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear CFPB, I am filing this complaint against Portfolio Recovery for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c regarding improper communication practices. 

Details of the Violation 1. Improper Contact at My Workplace : Portfolio Recovery has repeatedly called my workplace seeking payment for a debt, despite my employers policies prohibiting such communication. Under 15 U.S.C. 1692c ( a ) ( 3 ), debt collectors are prohibited from contacting consumers at their place of employment if they have reason to know such communication is not allowed. 
2. Continued Communication After Notice : Despite my verbal notification that the debt they are inquiring about is not mine, Portfolio Recovery has continued to contact me, creating unnecessary stress and disruption at my workplace. 

Evidence Attached To support my claims, I have included the following : A record of the calls made to my workplace, including dates and times. 
Statements from colleagues or supervisors confirming these calls and their impact. 
Any other correspondence demonstrating the debt collectors repeated contact despite being informed of the issue. 

Request for Relief I request that the CFPB investigate this matter thoroughly and take appropriate enforcement actions against Portfolio Recovery for these violations. Specifically, I ask that : The debt collector cease all communication with me at my workplace. 
Appropriate penalties be imposed for violating the FDCPA. 

Thank you for your attention to this matter. Please contact me if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The late payment in question is reported by [ Creditor 's experian ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX INQUIRIES : 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 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The late payment in question is reported by [ Creditor 's equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX INQUIRIES : 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 2024-12-14 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-12-14 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:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2024-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
The company said they would send a settlement offer letter stating that my payment would mean that my account is then resolved in full. The settlement letter only has the agreed amount. Not the full settlement agreement. With their vague verbiage in the letter, I am still liable to be pursued for the remaining balance. Therefore, defeating the whole purpose of a settlement letter. I spoke with the original lender XXXX XXXX and asked to receive a settlement letter and was told they DO NOT send letters stating that the account would be paid in full if I make a settlement payment. They clearly stated that they would only send a letter AFTER I submit a payment. Again, that leaves me at risk for the company to then pursue the remaining balance. My rights per the Fair Debt Collection Practices Act are being violated as I am entitled to receive a proper settlement letter. Both XXXX XXXX and QCS are failing to provide a clear and complete written agreement. I am willing to settle and want to settle but want a full written settlement agreement letter to be provided so that both parties ( XXXX XXXX/QCS and I ) are protected and that there are misunderstandings and miscommunications. I have provided my current address ( as poor efforts from both companies were made ), I have provided my current phone number and numerous phone call attempts, conversations with management and so far both companies have been uncooperative and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased ( with Bank of America credit card ) an airline tickets from XXXX  airlines back in XX/XX/year> on the XXXX  airlines website and paid {$4200.00} but on XX/XX/year> at XXXX am I received a text message stating that my flight was changed then I after I called them several times they decided to cancel my reservation tickets and only refunded me {$3600.00} so I was short {$630.00} and it took forever to get them resolve it after I contacted the United States Department of Transportation and they said we had to cancel your reservation because out fraud department detected a fraud and that they are sorry for not getting refunded the full amount but they advise me to contact my bank and claim the remaining balance through my bank, I tried opening a claim with the bank but they kept closing and denied my claim without even communicating with me. The last time I actually went to a financial center of Bank of America and requested their support since its their credit card that I am struggling with and they help me submit all the paperwork and evidence to the credit card department and still did not help as the claim got closed and denied again. 
Please advise! 
Thank you XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
ARBRITRATION WILL BE FILED IMMEDIATELY IF THIS IS NOT RESOLVED WITHIN 4 BUSINESS DAYS. 

Transunion has removed XXXX and Commonwealth VA Account from report, but not XXXX. These accounts are a resulto INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX & Transunion File Number : XXXX, XXXX, and XXXX. 

Consumer rights have been violated per 15 U.S. Code 1681n - Civil liability for willful noncompliance & the Fair Credit Reporting Act, Fair Debt Collection Practices Act. INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX, and Transunion report showing proof of claim that XXXX accounts were removed from the Identity Theft Report. 

We are inquiring to know what does XXXX considered to be a reasonable procedure when investigating your disputes? What steps are taken when a dispute comes through to your company? Is your team looking for the verification and tangible evidence? 

Provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. Explain what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. What certified documents were reviewed to conclude your investigation? Has the Consumer been informed of any steps to take in order to further protect their identity or prevent future fraudulent activities from appearing on their credit report? Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft? As such, the Consumer is exercising their rights under 605B of the FCRA to request the removal of fraudulent items from the consumer 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 2024-12-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit Information Services , 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 Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below.

I am sure you are aware and understand that it is required by Federal law that Creditors and Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost.

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX XXXX collection. Demand deletion Bureau : Equifax Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : Equifax Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.

Im thanking you in advance for attending to my requests promptly Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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:
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 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 

I am sure you are aware and understand that it is required by Federal law that Creditors and Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost.

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX  XXXX XXXX collection. Demand deletion Bureau : XXXX XXXX : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX XXXX XXXX XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.

Im thanking you in advance for attending to my requests promptly Regards, 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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: IL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, This letter is being sent to you in response to a recent charge of {$100.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I missed one payment. They closed my account and sent me a bill for {$600.00} minimum payment on a {$2600.00} balance. I paid {$140.00} as that is all I could afford at the time. Three days after paying the bill, they locked my account restricting access to my current balance and ability to make payments. After locking my account, reported a significantly higher balance to my credit report and reported it 60 days late. I feel like this is predatory behavior.

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