vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: NJ

Complaint narrative:
I am reaching out to dispute several inaccuracies on my Experian credit report that could significantly harm my credit profile. First, please update my name to " XXXX XXXX XXXX XXXX '' and remove all other name variations. Also, the report lists multiple incorrect addresses, including XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX New XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX, XXXX XXXX NJ XXXX ; and XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX. I have never lived at or been associated with these addresses. My correct and current address is XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX, and it should be the only address on my report. Furthermore, please ensure that my phone number, ( XXXX ) XXXX, is the only number listed. Lastly, update my employer to " XXXX XXXX '' where I am currently employed. 
These inaccuracies have caused me significant stress and frustration, as they damage my financial reputation and raise concerns about potential identity theft. Mistakes like these could negatively impact my creditworthiness and are a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer information. I request that these errors be corrected immediately to ensure my personal data is accurate and up to date. Additionally, I urge you to investigate how these errors occurred to rule out any potential fraud. Thank you for addressing this matter promptly.

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 2024-12-20 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:
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 non-monetary relief
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I have reviewed my credit profile and noticed inquiries/ or collection that i have given written Instruction to 3rd to report to my file. According to The FCRA this is in violation of 15 USC 1681b -PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT.

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 2024-12-20 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: TrueAccord Corp.
State: GA

Complaint narrative:
I RECEIVED NOTIFICATION THAT I WAS A VICTIM OF A DATA BREACH THAT OCCURED IN XXXX OR XXXX AND I AM UNABLE TO FIND THE LETTER AT THIS MOMENT, HOWEVER, IT HAS RECENTLY COME TO MY ATTENTION THAT WHOMEVER RETRIEVED MY INFORMATION DURING THIS TIME FRAME APPARENTLY BEGAN OPENING CELL PHONE ACCOUNTS IN MY NAME. A RECENT ACCOUNT FROM XXXX REPORTED FOR {$30000.00} AND I HAVE NEVER HAD AN ACCOUNT WITH XXXX. ANOTHER ACCOUNT FROM XXXX RECENTLY REPORTED AND I HAVE NEVER HAD AN ACCOUNT WITH XXXX EITHER. XXXX IS REPORTING WITH A COLLECTION AGENCY CALLED TRUE ACCORD AND I HAVE ALREADY FILED AN FTC REPORT AND MAILED THIS TO XXXX ON SEVERAL OCCASSIONS AND XXXX CONTINUES TO RESPOND A LETTER STATING THEY DONT ' BELIEVE ITS ME. I ALSO RECENTLY FILED ANOTHER FTC FOR THE XXXX ACCOUNT THAT IS REPORTING WITH SURISE CREDIT. I HAVE SENT ALL THE INFORMATION TO THE CREDIT BURUEAUS AS WELL BUT I AM NOT HAVING SUCCESS WITH THESE ACCOUNTS BEING REMOVED AND THEY ARE NOT MY ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/year> and XX/XX/year> ; we were scammed by XXXX XXXX ( or so they claim - sender was named XXXX XXXX ) when we thought we were buying a XXXX XXXX  puppy from South Carolina. There were several transactions in which we had to pay via XXXX -- - at first it was {$700.00} ; then, it was {$2000.00} for the puppy to fly ; which we offered to go pick the puppy up ; however, they told us someone was very sick, etc.. ; then it was another {$2000.00} when the puppy reached XXXX XXXX for an air conditioned crate in order to be delivered to us in MA. They gave us tracking information, etc. Then, they told us the puppy needed some kind of certificate in order for them to cross state lines-totally false - didn't pay them anymore money. Everything looked legit ; until they kept asking for more money, etc. Obviously, we didn't give them anymore. There was no puppy! We contacted Bank of America and they said because " we authorized the transaction '' ; they wouldn't do anything about it.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-20 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-20 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: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2024-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Date : XX/XX/year>XXXX Clark County Collection Services XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Subject : Request for Debt Validation under 15 U.S.C. 1692g Dear XXXX XXXX XXXX, I am writing to request validation of a debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. I received a communication from you on [ date of initial communication ] regarding an alleged debt, which I have listed below for reference : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Amount : {$390.00} Under 15 U.S.C. 1692g, I am entitled to verification of this debt, including a detailed accounting of the amount owed, the original creditors name, and any supporting documentation that confirms my liability. Please provide the following information : 1. Verification of the debt, including a copy of the original agreement that legally establishes my obligation to pay.

2. A complete breakdown of the total amount claimed, including any interest, fees, or charges.

3. The date of the last payment made to the original creditor, and the current balance.

4. Documentation that proves your authority to collect on this debt.

Until this debt has been fully validated, I request that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as required under the FDCPA. Additionally, please do not contact me by phone. Any further communications should be made in writing.

Please provide the requested validation within 30 days of receipt of this letter. If you are unable to validate this debt, I respectfully request that you remove it from my records and notify any credit reporting agencies of the inaccuracy. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Credit card collection on my credit i have no knowlegde of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-20 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: GA

Complaint narrative:
On XX/XX/2024 I requested to have all unauthorized inquiries removed. To date they still remain on my report

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 2024-12-21 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: VA

Complaint narrative:
I am filing this complaint because the creditor has engaged in unfair and misleading debt collection practices. Despite my efforts to resolve the outstanding balance, they have continued to report inaccurate information to the credit bureaus, which has negatively impacted my credit score. I have made multiple attempts to dispute the errors, but the creditor has failed to provide clear documentation or respond to my inquiries in a timely manner. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by making repeated harassing phone calls outside of allowed hours and failing to provide required validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am a living soul, and I am here on behalf of the principal XXXX XXXX XXXX. I am a victim of unfair debt collection practices. The company Absolute Resolutions Corporation is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. The debt is reporting on my consumer credit report as {$XXXX} for one " account '' and {$XXXX} for another " account ''. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  Bank XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX  XXXX Account name : XXXX XXXX Bank XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I initiated two ACH transfers via XXXX on XX/XX/XXXX to pull funds from my USAA account. The first was for {$XXXX} and the second was for {$XXXX}. 

Typically an ACH payment takes no longer than XXXX business days. XXXX is telling me that I will not have access to the funds until XX/XX/XXXX at the earliest because XXXX Bank is holding the funds. Over XXXX  days later since initiating the transaction in the morning of XX/XX/XXXX. I have executed this exact transfer multiple times in the past and it took no longer than XXXX days. 

I have asked USAA for help multiple times to contact XXXX and/or XXXX  and request the funds be returned. I have asked to speak to multiple managers and they are not able to assist. They are saying that the only option I have is to dispute the transaction and they are not required to give an update until after XXXX business days. It should not take XXXX business days to start the process of recalling funds. 

I was transferring funds to XXXX 's cash management account with the hope of paying bills. I am now unable to pay my bills. This is fraudulent and abnormal to hold funds for this long and USAA should be willing to assist with recalling the funds as the originator of the payment.

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