vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Subject : Formal Dispute Response Failure to Provide Proof of Debt Validation ChexSystems, I am writing regarding your recent response to my dispute of an alleged debt Account ( XXXX XXXX XXXX ) XXXX reported under my name. While you have stated that the debt has been verified, you have not provided any supporting documentation or proof of how the debt was validated. This failure raises significant concerns regarding your compliance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer under federal law. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, a consumer reporting agency must conduct a reasonable investigation upon receiving a dispute. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ), the consumer must be provided with the results of the investigation, including any documentation used to verify the accuracy of the disputed information. Failing to provide adequate proof of validation or evidence of the debts legitimacy violates these provisions. 

Additionally, withholding this information infringes upon my privacy rights under 15 U.S.C. 1681b. This section of the FCRA strictly limits the permissible purposes for obtaining and reporting consumer information. If the debt in question can not be validated, continued reporting constitutes unauthorized use of my personal data and is an invasion of my privacy.

I am requesting the following : 1. Proof of how the debt was verified, including any documentation from the original creditor.

2. A clear explanation of the steps taken to validate the accuracy of this debt.

3. Immediate removal of the disputed information if you can not provide adequate proof of validation. 

Failure to comply with these requests will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Furthermore, I will consider seeking legal action for damages caused by your noncompliance with federal law.

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 2024-12-31 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
A fraudulent credit card application was made using my information. I received alerts from XXXX XXXX. I called XXXX to confirm the fraudulent activity and called the bank to let them know, too. 

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 TD 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
The mortgage was sold to Shellpoint Mortgage, since then the company has received funds and kept them in an unapplied payments account. After additional payments the funds are still in unapplied status. I have called and chatted multiple times and they have not fixed the issue nor have they provided a reason why the funds remain in the unapplied account. Each time they said they would resolve the issue but to date, it has not been fixed. Now I am unable to send payments as it calculates various incorrect amounts due because they will not apply the payments. 

Further, when I inquire in chat on the phone they have begun to state that they are always having technical issues and are unable to assist. This happened as recently as today. 

In addition, for the month of XX/XX/year>, they did not even generate a monthly statement. The XXXX and XXXX statements were inaccurate and improperly calculated. 

Finally, the monthly payment has not been adjusted based on the recent rate cuts. The payment total for the current month is unknown as they have failed to apply payments properly. Any new payments I make are not applied and just add to the money they are holding and refuse to apply to my amounts due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Creditor Name : National credit Adjustment Date Opened : XX/XX/year> Balance : XXXX This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.

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 2024-12-31 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I tried signing up for Experian to place a freeze on my credit. They froze my credit but stated they could not verify my identity to create an account and offered no solutions to it. I am now trying to unfreeze my credit with Experian so I can apply for a credit card. They continue to state they can not verify my identity on the account so will not take any further action. I have tried calling 2 separate customer service numbers ( the only ones I can find on the website ) and they are automated systems that will not connect me to a representative or resolve the issue as I do not have a pin number ( I never received one from Experian ). I have attempted to verify my information online with Experian and have heard nothing back. I attempted to download the app to try to access/ verify my account. It says my phone number is correct but will not send me a verification code to access my account. I have no idea what else to do or who else to contact to get my credit unfrozen.

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 2024-12-31 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: LA

Complaint narrative:
I called to dispute the information on my credit report with account XXXX  ( automoblile loan ) and was constantly put on hold and for long periods of time and representative never came back to the phone. This account was paid out and should be closed. The account was paid by my XXXX  XXXX  and my gap insurance company, paid in full and should be showing closed in good standing. The rep constantly kept placing me on hold for long periods of time that I ended up hanging up after being on the call for so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: MD

Complaint narrative:
I was flying XXXX XXXX XXXX flight and XXXX said i needed to have a return flight so they forced to buy areturn flight to get in my flight going. I flew to XXXX and and I stayed 11 days. I as I was checking in for my return flight, I didn't see my ticket and I called them and they started that I don't have a return ticket, which forced me to buy a higher ticket flight on my bank of America credit card for {$500.00} plus dollars. They told me to talk with the XXXX when I return which I did. When I landed at XXXX I spoke with the manager and I told them what happened and they agreed something was wrong and they would have to do their research. They said they would contact me that Monday, which they never contacted me. I told them if i don't hear from them I would dispute this charge with my bank and they said ok. I then disputed it with BOA and it still and I was told they would refund me but to this day it has not been resolved nor had the charge been refunded.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Dear, Affirm I hope this letter finds you well. I XXXX XXXX, am writing to request form XXXX -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention ton this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/24, I noticed that a check was presented to my checking account with Chase Bank for payment that I did not issue, the payment was pending so I called to let them know that I did not issue that check, the amount was {$980.00}. I was told the check had to be paid and and a claim was opened. 
On XX/XX/24. I noticed that a check previously written out to XXXX XXXX XXXX Mortgage was not paid, I pulled up a copy of the check and saw that the payee was changed to an individual and the memo was erased and cashed. I visited a Chase Branch in person to report fraud and a case was created. I called again on XX/XX/24 and was told that it is evident that the checks were washed and that the funds will be placed back in my account by the end of the day. As of today, XX/XX/24, the funds were not returned. I called Chase Bank again and was told that the information give to me previously were incorrect and that the process had to be started all over again and I have to wait. 
It is clear from the checks that they are fraud, the checks should have never been cashed. 
Chase has been giving me a run around and have fraustrated me to the point of high XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Credit Bureau Name XXXX, Equifax, XXXX Subject : Dispute of Incorrect Reporting by a XXXX XXXX Dear XXXX, Equifax, XXXX I am writing to dispute an item listed on my credit report, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). The creditor ( XXXX XXXX ) which filed for bankruptcy and is no longer an operational business, continues to report information on my credit report. This is unlawful and violates my rights as a consumer. 

Over the past several months, I have made numerous attempts to resolve this issue directly with your bureau. Despite these efforts, more than 30 days have passed without an adequate resolution. As you are aware, under Section 611 of the FCRA, you are required to investigate disputes within 30 days and remove or correct any unverifiable, inaccurate, or incomplete information. 

The information in question is as follows : : Conns Appliances Account # XXXX Date of Dispute : XXXX XXXX Nature of Dispute : Kept disputing that Creditor no longer in operation due to bankruptcy and can not verify data. 

Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

I request that you immediately remove the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue further action. These actions may include : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Contacting the Federal Trade Commission ( FTC ) regarding your failure to comply with federal laws.

3. Seeking legal counsel to address the harm caused by your negligence in maintaining accurate records. 

For your reference, I have included the following : Documentation indicating that XXXX Appliances is no longer operational due to bankruptcy. 
Will be implemented in this complaint I trust that you will handle this dispute promptly and comply with your legal obligations under the FCRA. Please confirm in writing the actions taken to resolve this matter and ensure the incorrect information is removed immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: LA

Complaint narrative:
Credit Bureau XXXX XXXX, XXXX, Experian Subject : Dispute of Incorrect Reporting by a XXXX XXXX Dear XXXX, XXXX, Experian I am writing to dispute an item listed on my credit report, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). The creditor ( XXXX XXXX ) which filed for bankruptcy and is no longer an operational business, continues to report information on my credit report. This is unlawful and violates my rights as a consumer. 

Over the past several months, I have made numerous attempts to resolve this issue directly with your bureau. Despite these efforts, more than 30 days have passed without an adequate resolution. As you are aware, under Section 611 of the FCRA, you are required to investigate disputes within 30 days and remove or correct any unverifiable, inaccurate, or incomplete information. 

The information in question is as follows : : Conns Appliances Account # XXXX Date of Dispute : XXXX XXXX Nature of Dispute : Kept disputing that Creditor no longer in operation due to bankruptcy and can not verify data. 

Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

I request that you immediately remove the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue further action. These actions may include : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Contacting the Federal Trade Commission ( FTC ) regarding your failure to comply with federal laws.

3. Seeking legal counsel to address the harm caused by your negligence in maintaining accurate records. 

For your reference, I have included the following : Documentation indicating that XXXX Appliances is no longer operational due to bankruptcy. 
Will be implemented in this complaint I trust that you will handle this dispute promptly and comply with your legal obligations under the FCRA. Please confirm in writing the actions taken to resolve this matter and ensure the incorrect information is removed immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-12-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX transactions where made in XXXX to a XXXX for {$770.00} each totaling {$1500.00}. Citi notified through text on XXXX XXXXXXXX XXXX. message reads " free tractor supply citi fraud Msg : Card **** XXXX have been compromised. It will close on XXXX and a new card will be sent. To close now, rely XXXX or call XXXX. Rely STOP to Opt-Out ''. I immediately logged into my account to see that yes there where XXXX charges made. Called citi from the XXXX XXXX department said they would open a case it would take XXXX days. 15 days later I get a call for no payment " past due '' I explain it was being investigated. Their fraud dept informed me that they never opened up a fraud claim but see where they issued me a new card. Now I'm XXXX the open the fraud complaint I asked for a case number " XXXX '' fraud support explained they would note my account and to not make payments since it was being investigated. Never noted account, I keep receiving calls from citi to collect, I explain that its being investigated. They send me too their fraud dept I give them my case number I get " yes we're still investigating we will note the account '' THEY NEVER NOTE THE ACCOUNT! my credit is going down the toilet while they figure it out 2 months later. Also I live in Florida never been to California and I can't seem to find a business named " 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