vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over XXXX  days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure XXXX investigate these item within XXXX  days give a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Apple bank closed my account out of retaliation for me filing complaints on them. On XX/XX/2024 XXXX XXXX called me and told me that the back office instructed her to close my checking and savings account and issue me a cashier 's check. I stepped inside the XXXX branch to receive my cashier 's check and spoke with XXXX XXXX, I asked her why was my accounts being closed after my checks were verified and she told me they dont need a reason they just opt not to continue a relationship with me. I have audio recording of XXXX XXXX saying verbatim that Apple Bank opted to close my accounts. XXXX XXXX XXXX XXXX has provided me proof that the cashier 's check was verified and paid since XX/XX/2024 and Apple Bank still held my funds for XXXX weeks and restricted my account further denying me funds on XX/XX/2024 claiming my account was up for " further review ''. This is blantant negligence, discrimination, and retaliation against me for filing complaints against your bank for unnecessarily withholding my funds and restricting my account without just cause. Your prior response where you lied and claimed I demanded to close the account makes you look worse. I intend to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NC

Complaint narrative:
I have a Bank of America credit card. I pay the balance monthly, but twice now the payment has not gone through on their Bill Pay online system, and I have been charged interest ( {$7.00} ) and late fees ( {$25.00} ). This happened most recently with a payment I scheduled online for XX/XX/year>, in the amount of {$240.00}, confirmation code XXXX. I called Bank of America on XX/XX/year> immediately upon being notified that my account was past due. In both this and the previous instance, the Bank of America representative resolved the issue, removing the late fee and interest charges. When this happened the first time, about a year ago, I thought it was a fluke. Their online payment system is more confusing than any other credit card that I have, and although the website generates a confirmation code, when I have spoken to the representatives they have told me they did not need the code. As my issues have been resolved, I have no need of your intervention, but if this is a pattern with Bank of America I want to add my problem to any list you may be developing.

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 2024-07-25 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXXXX/XX/XXXX EXP 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 XXXX 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 of 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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has kep my {$5000.00} on hold even though my other bank is approved and Linked to Chase. I completed the transfer on XX/XX/XXXX and never got my funds. I tried calling and they wouldn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-25 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-25 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: NH

Complaint narrative:
I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being.

I would like to bring to your attention the following inaccuracies : 1. Incorrect Address : The correct address is XXXX XXXX XXXX, XXXX NH XXXX. I request that you update my address information accordingly and delete any information that is not the current address as listed above. Also delete ALL previous addresses on file.

2. Misspelled Name : The correct spelling of my name is XXXX XXXX. Please correct this error to accurately reflect my personal information and delete any name that is not listed as the name above. Also delete ALL known as names on file.

3. Only Date of Birth : XX/XX/year> I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible.

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address.

A recent utility bill displaying my correct address.

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.

Please provide a written confirmation once the corrections have been made to my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the accurate personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
My name was on a lease for XXXX  apts of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, my family was staying with me for awhile, and because of unforeseen circumstances, I became late on rent, I agreed to move out if the case would be dismissed and no debt owed. Their attorney agreed to this and I have screenshots of the conversation my daughter had with this attorneys assistant agreeing to this. It was XX/XX/XXXX. It appeared on my credit report XX/XX/XXXX as a debt owed of {$7000.00}. This has damaged my credit extensively and they do not even want any of the funds, they just want to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NY

Complaint narrative:
I want to place a permanent freeze on my account ( opt out ). I want a PIN code to opt in in the future!

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My last name is spelt wrong they spelt it. XXXX  when it should be XXXX. 
Plus an address in XXXX XXXX never lived in XXXX XXXX. The address they put on my report is XXXX XXXX XXXX XXXX XXXX XXXX never lived or used this address it is fraud for these two issues i saw on 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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
Garnished my wages without proper notice which is required under Tennessee Rule 69.05 making it impossible to provide for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-07-25 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: RI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
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 explanation
Consumer complaint received 2024-07-25 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: OH

Complaint narrative:
I mailed a letter XX/XX/year> that transunion said they never received then I mailed a letter again XX/XX/year> and received a letter back from them today XX/XX/year> stating that they think the letters didnt come from me and if it did to call and verify my identity and the credit accounts and everything I mentioned in the letter that I would like disputed. I did that and her response was again that they looked at the letter and determined it came from a credit company after I sat on the phone verifying my identity, the letter I sent, the proof of identity documents I attached to the letter and everything in the letter that I wanted them to investigate so they could see that these accounts were due to identity theft and were not made by myself! She created a dispute of the inquiries on my credit report that werent made by me over the phone but not the collection accounts. I attached the letter that they responded to my letter stating that the letter wasnt me. And I attached some of the letter I sent showing the date and what I typed showing proof that Im the one who wrote and sent this letter.

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
In early XXXX  I was notified by a previous employer that my personal information had been stolen when the company 's corporate systems were hacked. Around this same time I had received an alert from XXXX that there were possible fraudulent charges on my accounts. 

Before I had the opportunity to deal with this issue the XXXX accounts were sold to Midland Credit Management. I could no longer see the card statements on the XXXX website but I could see there was a second card issued to XXXX of my accounts that I never requested. 

When I spoke with an agent at MCM regarding clearing up this debt I told them about the situation of stolen identity and fraudulent charges and asked for them to help me access an itemized list of charges for the account so I could be sure that the debt I was paying was my own as I have numerous reasons to believe there are charges on this account that I did not make. The agent refused and said that did not matter anymore because now that Midland Credit Management held the debt I was responsible for all of it regardless of if any or all of the charges were a result of fraud. 

This company has continued to call me almost every single day for over a year. Their refusal to assist in this matter is the reason resolution has not happened. Instead of helping to resolve the situation I would like to rectify they are instead harassing me for the full amount to be paid. 

In addition to the submitted document from my previous employer regarding the security breach where my personal data was stolen I have extensive phone records of all MCM calls including several days where they called me multiple times in a single day.

Company response to consumer: Closed with non-monetary relief