vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: ID Analytics, Inc.
State: AR

Complaint narrative:
XXXX, has failed to provide Proof Of Verification ... XXXX  XXXX their proof of verification is from a Third Party Paying Vendor ... .ARS LIES/Fraudulent Statements are not verified by the XXXX XXXX  XXXX... .I have XXXX the XXXX XXXX XXXX and they have XXXX XXXX Per This Attachment ) that at no time do they Verify any XXXX XXXX for any consumer .... SO XXXX who is your verification with? It's not the XXXX XXXX  XXXX Itself .... The XXXX XXXX XXXX Clearly states they ARE NOT A FURNISHER OF INFORMATION, if you are reporting a negative item on my personal credit file, who is your source of Verification, BECAUSE IT IS NOT THE XXXX XXXX XXXX  ... ..ARS has XXXX a third party, XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX These ARE NOT VERIFICATIONS ) THESE ARE COMPANY 'S THAT YOU HIRE TO PURCHASE INFORMATION ... ..YOU DON'T KNOW IF THE INFORMATION IS CORRECT OR INACCURATE BECAUSE " THE SOURCE IS THE MISSISSIPPI BANKRUPTCY COURT> For the XXXX time, I am asking CFPB, to ask XXXX to provide their XXXX source of verification... If you are reporting Bankruptcy, I am ( for the XXXX ) time, asking XXXX to furnish verification from the XXXX. 

Please instruct XXXX, to stop sending that long letter of B.S., which is constantly avoiding what I'm asking for ... .I am asking for verification from the Bankruptcy Court .... 

Again, my address is XXXX XXXX XXXX, XXXX XXXX, XXXX... .if you are reporting information that IS NOT accurate, it should be deleted ... .Please don't tell me your source for verification is sufficient because you are reporting that the Mississippi Bankruptcy XXXX XXXX XXXX I filed, so please produce verification from the Court, NOT YOUR ILLEGAL PAID FOR THIRD PARTY. 

AGAIN, I am seeking verification from the XXXX XXXX XXXXXXXX, that you say has confirmed and verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
This reporting agency is in Violation of Timely Payments Regulations : You reported \ '' late payments\ '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. Please remove these innacurate accounts asap they are negativeley affecting my score.

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 2024-10-29 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: CA

Complaint narrative:
Recently I looked 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 insure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

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 2024-10-29 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: GA

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

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 2024-10-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted A claim with Wells Fargo Due to some unauthorized charges on my account totaling to {$3300.00} total. The charges stem from XXXX XXXX as shown in the images below, I dont own a XXXX XXXX account nor have I ever used that company. I believe that someone stole my information fraudulently and took my money. Ive contacted Wells Fargo and gave them additional information to help with the claim but theyve denied it with no real investigation. I feel as if I was robbed of my money and they wont give whats rightfully mine back to me. I have bills and rent due I need my money Back ASAP. 

Below I Will List All Unauthorized XXXX Charges XX/XX/XXXX ~ {$200.00}, {$50.00}, {$10.00}, {$190.00}, {$100.00} XX/XX/XXXX ~ {$300.00}, {$200.00}, {$380.00} XX/XX/XXXX ~ {$400.00}, {$200.00}, {$250.00}, {$200.00} XX/XX/XXXX ~ {$370.00}, {$100.00}, {$400.00}

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank sent me a notice by mail on XX/XX/XXXX stating they will be closing all my accounts including my checking and credit card accounts with no specific reason and tried to contact the bank by visiting the branch and contacting the customer care number and talking with the fraud department and no one able to give me a reason why they will be closed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America structures payment transactions to benefit the bank over other retailers. I paid a bill on XXXX in the early morning hours. A payment to the bank was set to pull its payment for a HELOC on XXXX or later. The bank has prioritized its payment over the payment that was made first causing my account to be overdrawn and the payment to the first retailer returned. When asked about this practice the customer service agent stated they were allowed to structure payments that way. Despite the fact that the other payment was made first.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-29 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a notice from my electric utility that my payment from my checking account at TRUIST had not processed for the reason : XXXX 's account is closed On XX/XX/XXXX, I received a notice from a business that was sending me money that a deposit to my checking account at TRUIST had been denied using a XXXXXXXX XXXX return code. 

I called Truist customer service line. They were very slow and finally told me that on XX/XX/XXXX they had received a 'suspicious call concerning my account, and the caller was a man, ' and then TRUIST decided to freeze my account. I asked why TRUIST hadn't contact me and the representative said 'did n't they send you a text? ' I have no record of a text from TRUIST, and I've never done business with TRUIST by text. 

I asked to speak to a supervisor and after a long wait was able to talk to XXXX. She refused to answer any questions or give me any information- she said I had to go to a branch office. I reminded her that I have moved and no longer live near their branch offices and can't just get up and travel all the way across the country on a moment 's notice. I begged her to consider some sort of XXXX party service that would allow me to establish my identity with having to travel all the way back to Maryland. She refused. I asked her to clarify what would happen with checks I had written, with my utility and credit card bills to be paid from the account and with incoming payments from Social Security. She refused. I asked her to send me a notice in writing about the cancellation of my account. She refused. I asked her to post information about my account in the TRUIST web account where I had been able to get information before. She refused. 

When I checked the TRUIST web account where I had been able to get information, I couldn't access any information about activity on my account after XXXX XXXX. So I have no way of knowing what is happening with my checks, or incoming payments. 

I do know from my credit card company that TRUIST blocked my most recent payment of my credit card bill. 

For the last week I have had to spend days of constant worry and effort contacting everyone that I do business with- including Social Security, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, to prevent further damage to my finances by TRUIST blocking payments into my account. Most of those changes will not be in effect until XXXX, so I remain under threat from TRUIST at least through the end of XXXX. 

I simply can not understand why TRUIST has acted in such an active, aggressively punitive way against someone who has been a very good customer going back 40 years through SUNTRUST.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I notices negative accounts on my report that I don't recognize XXXX {$3000.00} contacted on XX/XX/year> XXXXXXXX XXXX {$10000.00} contacted on XX/XX/year> XXXX XXXX XXXX {$570.00} contacted on XX/XX/year> XXXX XXXX {$2400.00} contacted on XX/XX/year> XXXX XXXX {$1800.00} contacted on XX/XX/year> XXXX {$1100.00} contacted on XX/XX/year> XXXX {$3500.00} contacted on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Please have this incorrect information removed from my consumer report because it is making it very difficult for me to acquire credit.

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 2024-10-29 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC XXXX 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! 


Update 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 non-monetary relief