vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX I am writing to formally dispute the late payment ( XXXX ) reported on my credit report for my account number : XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/year>, XX/XX/year> and XX/XX/year>. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Account name : AMERIHOME MTG CO, LLC I am writing to formally dispute the late payment ( s ) reported on my credit report for my account number : XXXX. According to my records, the following late payment ( XXXX ) were reported for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I have the right to privacy as a federally protected consumer. I do not consent to XXXX XXXX 's verification I already sent a registered security for the full {$2900.00} to XXXX XXXX XXXX ( Vice President ) of XXXX on XX/XX/year>. I sent it to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nebraska, XXXX. The USPS tracking number is RE XXXX. You can go to the USPS tracking website and track the payment as it has been delivered to the agent. Even though I've sent my payment, XXXX charged me {$53.00} on XX/XX/year>. 
XXXX XXXX XXXX XXXX. This is the Link for the payment Ive sent. When I first got this loan, I applied using an application called a promissory Note. So, my promissory note has already paid off the debt. Since XXXX wants to be greedy Ive sent another security and I would like XXXX to use this Promissory Note as security collateral to pay off all debts owed to the principal. According to the Bill of Exchange act only way to pay a bill is using Interest. The Promissory Note is the application that creates interest and I would like to pay the Principals debt using the interest created by the Promissory Note. 

Unless the full amount is credited within 10 days, we have no choice but to submit a claim against XXXX XXXX XXXX of XXXX for false and misleading representation under the Fair Debt Collection Practices Act. Most Importantly as an investor in XXXX, XXXX has violated the Securities and Exchange Commission ( SEC ) for Securities Fraud. I would have to contact the SEC for Securities Fraud. I would also contact the IRS and submit a 3949a form and call the IRS on XXXX on XXXX XXXX of XXXX for securities fraud as well as identity Fraud.

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 2024-11-08 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: NY

Complaint narrative:
I have the right to privacy as a federally protected consumer. I do not consent to XXXX XXXX 's verification I already sent a registered security for the full {$2900.00} to XXXX XXXX XXXX ( Vice President ) of XXXX on XX/XX/year>. I sent it to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nebraska, XXXX. The USPS tracking number is RE XXXX. You can go to the USPS tracking website and track the payment as it has been delivered to the agent. Even though I've sent my payment, XXXX charged me {$53.00} on XX/XX/year>. 
XXXX XXXX XXXX XXXX. This is the Link for the payment Ive sent. When I first got this loan, I applied using an application called a promissory Note. So, my promissory note has already paid off the debt. Since XXXX wants to be greedy Ive sent another security and I would like XXXX to use this Promissory Note as security collateral to pay off all debts owed to the principal. According to the Bill of Exchange act only way to pay a bill is using Interest. The Promissory Note is the application that creates interest and I would like to pay the Principals debt using the interest created by the Promissory Note. 

Unless the full amount is credited within 10 days, we have no choice but to submit a claim against XXXX XXXX XXXX of XXXX for false and misleading representation under the Fair Debt Collection Practices Act. Most Importantly as an investor in XXXX, XXXX has violated the Securities and Exchange Commission ( SEC ) for Securities Fraud. I would have to contact the SEC for Securities Fraud. I would also contact the IRS and submit a 3949a form and call the IRS on XXXX on XXXX XXXX of XXXX for securities fraud as well as identity Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I have the right to privacy as a federally protected consumer. I do not consent to XXXX XXXX 's verification I already sent a registered security for the full {$2900.00} to XXXX XXXX XXXX ( Vice President ) of XXXX on XX/XX/year>. I sent it to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nebraska, XXXX. The USPS tracking number is RE XXXX. You can go to the USPS tracking website and track the payment as it has been delivered to the agent. Even though I've sent my payment, XXXX charged me {$53.00} on XX/XX/year>. 
XXXX XXXX XXXX XXXX. This is the Link for the payment Ive sent. When I first got this loan, I applied using an application called a promissory Note. So, my promissory note has already paid off the debt. Since XXXX wants to be greedy Ive sent another security and I would like XXXX to use this Promissory Note as security collateral to pay off all debts owed to the principal. According to the Bill of Exchange act only way to pay a bill is using Interest. The Promissory Note is the application that creates interest and I would like to pay the Principals debt using the interest created by the Promissory Note. 

Unless the full amount is credited within 10 days, we have no choice but to submit a claim against XXXX XXXX XXXX of XXXX for false and misleading representation under the Fair Debt Collection Practices Act. Most Importantly as an investor in XXXX, XXXX has violated the Securities and Exchange Commission ( SEC ) for Securities Fraud. I would have to contact the SEC for Securities Fraud. I would also contact the IRS and submit a 3949a form and call the IRS on XXXX on XXXX XXXX of XXXX for securities fraud as well as identity Fraud.

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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
purchase was made after sombody hacked my computer got all my information including my online paypal account took over my email addresses my phone no without me knowing abought it and also a bank account they used it to try make payments on the credit card in disput thats what there useing to keep from crediting the account i clossed information they gave me was verbally they didnt seen me anything. they had taken it off once then i closed the account. before i new it it was added back on the account they said i didnt close it i told them it was fraud somebody hacked my computer got all my information including an old bank account wasnt any money in it but this person tryed make payments on the card thats what there useing to not take the amont back off they said i made payments on it it wasnt me im XXXX XXXX XXXX i told them i would never pay XXXX dollars for a phone i live in a elderly complex i live on a budget please help me

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check in the amount of XXXX XXXX  at the teller, and I was informed by the teller that the funds would be released midnight XX/XX/XXXX. However, I see on my banking transaction history that the amount will be released on XX/XX/XXXX. I am a XXXX member at the bank, and this banking activity is not unusual for me. 
I understand that bank has a duty to protect its interest and verify the check. However I need access to my funds and any process needs to be completed by the stipulated date of XX/XX/XXXX. The bank can not continuously delay the date when the hold will be lifted. This practice lacks standardization which causes damage to the brand.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've tried opening a checking account and I was denied at XXXX XXXX. I've already paid restitution for the balance that was owed 8 years ago and they still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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 2024-11-08 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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 non-monetary relief
Consumer complaint received 2024-11-08 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: NM

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-08 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: NM

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-08 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: GA

Complaint narrative:
I have file numerous complaints to the FTC and XXXX in reference to XXXXXXXX XXXX XXXX accounts that appear on my credit file fraudulently. 

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made.

It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605 b ti the Fair Credit Reporting Act

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 2024-11-08 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: NV

Complaint narrative:
I recently reviewed my credit report and discovered an inaccurate entry related to a bankruptcy that I have not filed. According to the Fair Credit Reporting Act ( FCRA ) 611, it is my right to request a verification or removal of this incorrect information.

The erroneous bankruptcy details are as follows : [ bankruptcy_info ] In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : 1. 2. 3. 4. 5. The name of the courthouse where the information was verified. 
The name of the person at the courthouse who handled your request. 
The address of the courthouse. 
The telephone number for the Clerk of Court 's office.

The specific document you obtained to verify the bankruptcy.

Should you fail to comply with my request within the 30-day period as stipulated by FCRA, I will consider taking further legal action. Please respond to me in writing at the above address. 
I trust that you will handle this matter with the urgency and seriousness it requires. Your prompt attention will prevent any potential negative impact on my credit standing.

Company response to consumer: Closed with non-monetary relief