vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: AR

Complaint narrative:
This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX BANK 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed some inaccuracies on my credit report that fall under the jurisdiction of 15 USC 16c-2. These errors are impacting my creditworthiness, and I have not given permission for any of the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TX

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX, I financed a vehicle through XXXX XXXX. In XXXX of XXXX, the vehicle was found to be totaled. I provided the company ( XXXX XXXX ) with all the information they needed. XXXX XXXX XXXX, I received a phone call about a late payment. I asked the agent, if they had the information, I sent regarding the vehicle that was requested. As of XX/XX/XXXX, the company is still charging me and the current balance is {$25.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with 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 in 60 days to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 
Delete the late payments from my consumer reports

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 2024-09-30 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 received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$5500.00} Date Opened XXXX XXXX, XXXX TransUnion XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/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 2024-09-30 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 received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX  Balance {$5500.00} Date Opened XXXX XXXX, XXXX TransUnion 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 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 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I withdraw {$1000.00} from my XXXX  account into my capital one bank account. XXXX confirms the funds were sent out instantly and i have not received them over 4 hours later into my bank account. Capital ones horrible customer service is claiming that nothing was received and to contact XXXX. I have used paypal a million times with my XXXX  account and it has always worked perfectly. The issue is 100 % on capital ones fault and they are claiming nothign they can do when I need this money right now. They are lying and doing nothing about it. This is my first time using capital one and i cant believe this company exists and they are costing me XXXXXXXX XXXX dollars in fees since I will miss my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I was in forbearance with XXXX XXXX until XXXX, XXXX. 

XXXX XXXX sold our mortgage to Freedom Mortgage XX/XX/year> without notification of transfer. 

Freedom Mortgage sent mail saying I owed {$16000.00} in debt when my payment were paused with XXXX XXXX ( False Information ). They also said my forbearance ended XXXX XXXX and my account was in severe delinquent status is I did not pay mid month without sending notice. ( False Information ). 

Now they are asking for more documentation for starting over the forbearance process which should be transferred with my account.

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
RE : Dispute of Inaccurate Information Account # XXXX I am writing to dispute the reporting of a charge-off on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is NMAC. 
According to the IRS, a charge-off is considered gross or ordinary income because it represents canceled debt. Under U.S. tax laws, canceled debt is classified as income, and as such, income can not be legally reported on a consumer credit report. Reporting such an account as a charge-off on my credit report is a misrepresentation of the nature of the debt and its treatment under federal law. 
A charge-off, as income, should not be considered a credit obligation under the FCRA and thus should not be reflected on my consumer credit report. Reporting it in this manner is misleading and could result in inaccurate information being used to assess my creditworthiness. 
In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that this matter be investigated and that the inaccurate information be removed or corrected immediately. Please provide written confirmation that the charge-off has been removed from my credit report or that a correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
They have called my sister and brother in law. Have threatened to have me served at home or work. Saying there is charges against me at the XXXX XXXX courthouse. There are no charges. Ive checked my credit. No old debts dating back to that time. Abusive over the phone. Someone named XXXX and XXXX XXXX from tsi. One call from XXXX. Wont send me anything in writing and only want me to pay {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: GA

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 2024-09-30 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: GA

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 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a checking account and credit line with Bank of America. I was struggling financially and applied to multiple jobs. On XX/XX/XXXXXXXX XXXX XXXXXXXX  a person reached out via email and claimed to be an employer searching for a personal assistant. They described the position and said theyd send me a check and send further information on what their company does and distribution of funds to their clients. 

Once I received the check and attempted to deposit it on XX/XX/XXXXXXXX XXXX XXXXXXXX, I requested further information from this person. I hadnt gotten a response about information on the company and how I would be filing taxes on these funds. 

They responded saying theyd send me another check without any other information, I declined. My account was closed and I tried explaining everything to the bank. Im submitting this claim in hopes that I can recover my name and reputation to Bank of America and other branches that I do choose to try and open an account with, along with submitting a claim with 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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to address your recent communication concerning the debt referenced above. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the debt in question. 

I contest the legitimacy of this debt and ask that you supply me with the following information : The original creditors name and address. 
The original account number and the amount due. 
Evidence of your authorization to collect this debt. 
The dates and sums of any payments made towards this debt. 
The date of the last payment made on this debt. 
Any relevant interest or fees added to the debt. 
Additionally, I request that you furnish me with copies of any documents or contracts that substantiate your claim that I am liable for this debt. Please provide all requested information within 30 days of receiving this letter. 

If you are unable to furnish this information or verify the debts legitimacy, I ask that you cease all collection efforts and remove this debt from my credit report. 

Be advised that any further attempts to collect without providing the requested information will be deemed a violation of the FDCPA and may result in legal action against your agency. 

I appreciate your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I received a letter in the mail today from BMO  Bank of Montreal. It stated that I had recently opened new accounts that needed more verification information. I called the bank fraud department to report identity theft due to me not opening these accounts. They confirmed that there was an account opened under my Social Security number, but they would not tell me anything else whether the account was closed whether there was checks written on the account whether there was checks ordered on the account if there was a debit card, etc., I asked for a claim number they denied it to give me that. I asked to speak to a supervisor I was told she didnt have one. I asked who I could make a complaint with. She told me customer service, which I was then put on an infinity hold. I held on for the fraud department for almost an hour. This is unacceptable customer service for somebody that has had a fraudulent account opened in their organization. The representative I spoke with in the fraud departments name was 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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation