vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX  I submitted a dispute to Experian regarding the account XXXX with XXXX XXXX XXXX in regards to the validation of this debt on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number generated with this dispute which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMorgan Chase Bank closed my account without giving me a specific reason. They closed my account on XX/XX/2023, and they promised to send me a check with the funds left in the account ( a total of {$1300.00} ). After 15 days, I didn't receive this check and I went to their branch to ask for more information. Their branch said the check will be mailed to me approximately 15 business days later. But I haven't received any funds from them so far, and it's about 2 months after they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: De Lage Landen Finance, LLC
State: WA

Complaint narrative:
I have a tractor loan through XXXX finance and it is impossible to deal with this company or ensure my payments are applied correctly. If I make an extra payment I have to call to have it applied to principle only and they are super un-responsive. They keep telling me extra things about how far ahead I have to pay before a payment can be principle only. When logging into my account there is no breakdown on interest paid vs principle per payment. Invoices just show a total not how much I have paid or how much was applied to the balance on the last payment. 

They are a nightmare and I have no way of verifying if what they have done is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2024-01-04 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: PA

Complaint narrative:
I have sent my identification 2 times via USPS First class mail and will upload it again in this complaint along with the letter you have sent requesting my identification which is burdensome as I have already sent it to you. 

I disputed because my privacy rights are being violated and the basis of my dispute is in accordance with FCRA 602 and 604 ( A ) which states a consumer reporting agency can not Furnish an account without my written instructions. 

I also requested the Method of Verification under FCRA 611 ( a ) ( B ) 6 ( iii ) requesting the name of the person ( s ) you spoke with along with their addresses and telephone numbers and the procedures used to come to the conclusion that my privacy rights are not being violated when my dispute was verified updated. 

Additionally, Equifax has failed to honor my request in 15 days which is required under FCRA 611 ( A ) ( 7 ) as this also means that Equifax may owe me {$1000.00} due to this violation which Equifax failed to respond in timely manner. 

Please remove the accounts listed below immediately they are violating my privacy rights under FCRA 602 and FCRA 604 ( A ). 


Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed some inaccurate information that are not mine. 

I have listed the inaccurate in PDF and sent it to the Bureaus. Please see the attached file on this 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Information showed up on my credit report as a collection in the amount of {$290.00}. I have disputed information with credit reporting agencies and I still have not received any information from the company who is reporting this debt. The credit reporting agencies just reply back that it is verified. I have disputed this information twice at this time. I have not had any communication from the agency reporting the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine. 

I have listed the inaccurate in PDF and sent it to the Bureaus. Please see the attached file on this 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 non-monetary relief
Consumer complaint received 2024-01-04 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: GA

Complaint narrative:
I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
This company has two collections listed on my credit file stating I owe {$790.00} and {$780.00} which is false, I requested validation and nothing has been sent and I dispute and no resolution. Please help

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: GA

Complaint narrative:
XXXXUSC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making thXXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-04 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 have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Money Management International, Inc.
State: VA

Complaint narrative:
An initial appointment was scheduled on my behalf via the XXXXXXXX XXXX XXXX XXXX XXXX. The appointment with Money Management International was scheduled for XXXX XXXX today. 

The counsellor ( XXXX XXXX ) was to call me today for an initial discussion and to explain the nature of their services, charges, etc. 

Over the last weeks, I received email requests to sign agreements and authorize the company to contact and interact with my creditors. At no point had inagreed to anything with this firm. 

XXXX days prior to our meeting, I received an email from XXXX XXXX, asking if I " still would like to become debt free and if want [ their ] services. '' I expressed confusion about the request and asked if the scheduled XXXX meeting was still to take place. 

I never received a response and did not receive a call today. 

Obviously, this firm isn't interested in credit counseling services so much as aggressively pushing agreements onto potential customers. 

The entire thing came across as predatory and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I have a Joint checking account with Truist Bank. We spend part of the year overseas where we have a vacation home. When we are overseas we transfer funds from our Truist account to a currency exchange company ( XXXX ) through our US account with them. The XXXX USD account was added to our Truist account as an external account. This had been working fine with no problems. 
A couple of months ago we made a transfer of {$1500.00} to the XXXX USD account but had forgotten they had changed the bank they use. The money was therefore returned to our Truist checking account because our account at the previous XXXX bank was closed. However, for no reason and without advising us, Truist removed both this account and another external account we had with XXXX XXXX from our checking account. This meant we were no longer able to transfer funds from our checking account to pay our living expenses overseas. We have the details of the new bank XXXX uses and tried to reinstall it as an external account, as before. However, there appears to be some kind of block preventing this. I repeat, both accounts are with regular US banks. One is XXXX XXXX and the other is XXXX XXXX XXXX XXXX 
We have contacted Truist multiple times about this, both by email and phone, and they have totally failed to resolve the problem. We receive no replies to our emails and we still can not transfer funds. This has caused us considerable financial difficulties.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit repor tis showing a couple inaccuracies that are affecting me a lot. I am set up to buy a home and upon reviewing my credit I have found that these questionable items are prolonging this already long process, as they are preventing me from getting a mortgage at a reasonable rate. This s supposed to be an exciting time in my life, but my wife and I are at odds due to this and it is putting a tremendous strain on our marriage

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I was victim of XXXX XXXX XXXX XXXX they had video showing you could get more XXXX  if i send the XXXX to certain address so i send the XXXX to the address but it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I received a summons in the mail for a debt I have no clue about and so I called the number on the summons at XXXX and spoke to guy name XXXX stating that he is an attorney for XXXX XXXX XXXXXXXX XXXX., I asked him what was this letter for and he asked me to verify my address and my last four digits of my social and I asked him why. He said it is being used to collect a debt and so I advised him that I have asked before, not to be contacted anymore and that I will be filing a complaint with CFPB. I then went on to ask him what is this pertaining. He stated again that he is a 3rd party attempt to collect a debt for a credit card in the amount of {$2600.00}, so I explained to him that I never had a credit card and I also asked him if so do he have an original contract with my XXXX XXXX on the signature line stating that I have obtained credit with this agency. He stated No. That's when I asked him to be taking off the do not call list again. He stated that I need to pay them or I am going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
My credit repor tis showing a couple inaccuracies that are affecting me a lot. I am set up to buy a home and upon reviewing my credit I have found that these questionable items are prolonging this already long process, as they are preventing me from getting a mortgage at a reasonable rate. This s supposed to be an exciting time in my life, but my wife and I are at odds due to this and it is putting a tremendous strain on our marriage

Company response to consumer: Closed with non-monetary relief