vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: IA

Complaint narrative:
Subject : Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided. 

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ date of previous submission ], along with certified tracking [ insert tracking number or proof of delivery if available ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : 1. Account with [ XXXX ] - Account Number XXXX Account with [ XXXX  XXXX ] - Account Number XXXX Account with [ XXXX XXXX  ] - Account Number [ XXXX ] Account with [ XXXX XXXX XXXX ] - Account Number [ XXXX ] Account with [ XXXX ] - Account Number [ XXXX ] 2. Account with [ XXXX ] - Account Number [ XXXX ] 3. Inquiry from [ XXXX  XXXX  ] - Inquiry Date [ XX/XX/XXXX ] Inquiry from [ XXXX ] - Inquiry Date [ XX/XX/XXXX ] Inquiry from [ XXXX  XXXX  XXXX - Inquiry Date [ XX/XX/XXXX ] I have included a copy of my identity theft report from [ Police Department/FTC affidavit ] and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ). 

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary. 

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, 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 2024-11-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. Fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all the fraudulent accounts and inquiries listed below be blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : 1. XXXX XXXX Bank o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$670.00} 2. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX XXXX Bank o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 4. Unauthorized Collection o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} 5. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} 6. XXXX XXXX Services o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 7. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} 8. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 9. XXXX XXXX ( formerly XXXX  Finance ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} Fraudulent Credit Inquiry : XXXX  Financial - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-18 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: AL

Complaint narrative:
In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly.

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 2024-11-18 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: SC

Complaint narrative:
I sent credit disputes to all 3 credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission. On XX/XX/year> I put a cmplaint in with CFCB. This is my second time reporting this issues. I did file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
YOUR COMPLAINT This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. Furthermore, I have attached : A new police report confirming fraudulent activity. Updated documentation disputing these debts. This Cease and Desist letter. Violations and Legal Obligations Your failure to respond adequately to my validation requests and your ambiguous statements constitute violations of the following : FDCPA, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with debt collection. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Requires debt collectors to verify disputed information with the creditor and ensure accuracy. Federal Trade Commission ( FTC ) Guidance on Debt Collection Practices : Warns against vague or misleading communication, which can constitute an unfair or deceptive act or practice ( UDAP ). You are also violating my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. Legal Remedies Available Failure to comply with these laws exposes you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, and coverage of attorney fees under the FDCPA and FCRA. Cease and Desist Demand Effective immediately, I demand that you : Cease all communication with me regarding these accounts, except to provide the debt validation as required under federal law. Provide a comprehensive validation of the debts, including : A signed agreement or contract proving my responsibility for the alleged debts. Full account histories showing how the amounts were calculated. Evidence that your agency has legal authority to collect these debts. Inform the creditors ( XXXX XXXX  and XXXX XXXX ) that these accounts are in dispute. Next Steps If I do not receive a satisfactory resolution within 30 days, I will have no choice but to file complaints with : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) My states Attorney Generals Office the gialed to respond to me so I am filling the complaint

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 2024-11-18 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: MI

Complaint narrative:
I was made aware of a huge decrease in my credit score, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on XXXX. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to XXXX on the dispute I filed and told me to wait up to two months for them to update the information. I also called XXXX for information and they told me I had XXXX accounts with late payments and every account was satisfactory. Experian is also reporting that I have XXXX account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called FICO and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and Experian and XXXX both show one account with a late payment, but can not tell me what account as when they look in their records, there isn't one. This is severely hurting my credit score and hurting me financially, and no one seems to know where this inaccurate information is coming from. I was also told by Experian to call a financial advisor, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.

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 2024-11-18 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the BOA billing cycles of XXXX XXXX XXXX XXXX we paid off our debt completely. We assumed that automatic payment would stop since our balance was XXXX, but {$110.00} taken out of our bank account and posted to BOA credit card on XXXX. And it was taken out again on XX/XX/XXXX. 

So I called the bank to stop the automatic payment and the Rep said that {$220.00} would be refunded. It was refunded on XX/XX/XXXX. So that should have settled the account. We did not bother looking at the account since we decided to not to use that card and we never did. 

But we were shocked to discover recently that another {$220.00} was refunded to us on XX/XX/XXXX and the bank charged us late fees and interest on it. 

I called and they said they would need to research as to why {$220.00} was charged, but in the meanwhile, the late fees would keep on being charged. 

Why are we being charged all these extra money when we have completely paid off our balance? 

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 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Why I have no access to XXXX. Why I am banned in other banks from XXXX! who is responsible for this garbage software ( XXXX ). XXXX XXXX XXXX XXXX XXXX  ) says PNC and PNC says call XXXX. I mean what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX I attempted an in person international wire to the company XXXX XXXX XXXX for {$22000.00}. For further credit to XXXXXXXX XXXX XXXX  XXXX to their account number. The money was taken out of my account and the beneficiary claimed to have not received it. XXXX XXXX XXXX  communicated with JP Morgan on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. JP Morgan sent messages on XXXX, XXXX, XX/XX/XXXX. Finally XXXX XXXX XXXX  requested the funds be returned XXXX from JP morgan and JP Morgan never responded and has quit responding to all requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System has been reporting an account on my credit report for several months ( XXXX ). This account is fraudulent, and I have submitted to XXXX XXXX, and XXXX XXXX XXXX an FTC Statement, addressing this issue. Attached is an entry to a third-party credit reporting company called XXXX XXXX XXXX I spoke with a XXXX today, and she stated the social security number was incorrect. I am attaching a copy of the XXXX Police report and a copy of my identification, and asking for the removal of the account listed with all credit reporting agencies. 

NATIONAL CREDIT SYST Reported : XXXX XXXX, XXXX  - {$17000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

XXXX {$17000.00} XXXX XXXX {$17000.00} Opened XXXX. XXXX, XXXX  ( XXXX XXXX. ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had a private loan to pay down credit cards used to pay for XXXX XXXX XXXX creditor with contract was XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. I had automatic payments and was never late on payments. In XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX they closed my account and it appeared XXXX balance on my credit report. 
XX/XX/XXXXXXXX XXXX XXXXXXXX and Shellpoint started calling me directly and my family members trying to collect a debt that I never had with them. Today XXXX XXXX they sent a certified letter to my moms husbands house where I no longer live threatening to sue me and make me responsible for all of their related expenses on top of my alleged debt. 
XX/XX/XXXX I was in a car accident that left me XXXXXXXX XXXX XXXX XXXX receiving only XXXX benefits. In XX/XX/XXXX I was released back to work with some weight restrictions and then I got fired illegally. I need help, I dont have money to fight this company to stop calling me and threatening to sue 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 2024-11-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I brought a XXXX gift card from XXXX in XXXX and I tried to buy clothes online from XXXX and it didnt go through so I went to the website on the back and tried to log on with the card but the 16 digits or any of the information didnt work the website just said " unexpexted error ''. XXXX i work 8 hours a day at a XXXX XXXX and its so difficult to use the money I busted my XXXX for. Do i need to bust my XXXX for a XXXX lawyer? Because i will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I and my title company have requested a 10 day payoff from Rushmore Servicing Company multiple times. This has resulted in the delay of the sale of this home. Instead, they continue to contact me, demanding payment, declaring fees galore, and still refuse to provide a payoff so I can pay this property off. They also stated that they will charge me {$55.00} fee to provide a payoff amount to me. 

They are impossible to get ahold of and can only talk to an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX I was notified from my bank that one of my transactions have been sent back to my Bank of America business account so I called Bank of America to confirm they said yes they have my funds and to go in a branch to see if one of the workers there can either reopen my account or to open a new account so XX/XX/XXXX I went into a branch near me I was told basically I wasnt able to open an account Ill have the call this number so they can issue out an cashiers check I called Tuesday XX/XX/XXXX since Monday XX/XX/XXXX was XXXX XXXX when I spoke to someone Tuesday I was told Ill have to wait 10 days to receive my check in the mail and 2 days to receive my tracking number so between XXXX days so today Monday XX/XX/XXXX I called to see if I can receive my tracking number this representative said my funds is on hold no tracking number have been issued due to them holding my funds for an extended period of time listen my birthday passed I couldnt do anything I was supposed to buy a XXXXXXXX XXXX as a birthday gift to me for my business I cant even do that due to them withholding my funds from me Im upset I can admit that only because its too many representatives saying different things I really just want my rightfully owned money please I have to get stuff for my business and I cant with all these different responses to my questions.

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 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation