vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing to address a matter of significant concern regarding the status of an underlying obligation associated with an account held with your corporation. It has come to my attention that the original instrument of the said underlying obligation has not been provided, rendering it impossible for the obligation to be made payable. Therefore, I am demanding immediate action on your part. As per the terms and conditions governing such matters, it is imperative that the original instrument be provided for an obligation to be considered valid and enforceable. Given the absence of the original instrument in this instance, it follows that any and all obligations pertaining to any and all payments are null and void. Consequently, I hereby request that you promptly take the following actions : Remove any and all obligations of payment associated with the account pertaining to my person. Immediately delete the tradeline associated with the aforementioned account from being reported to any and all consumer reporting agencies. Failure to comply with this demand within a reasonable timeframe will leave me with no choice but to pursue legal avenues to enforce my rights. Moreover, please be advised that Barclays Bank Delaware will be held liable for damages resulting from any further reporting or attempts to collect on this invalidated obligation. I trust that you will give this matter the urgent attention it requires and take the necessary steps to rectify the situation promptly. Should you require any additional information or clarification, please do not hesitate to contact me at the above-mentioned contact details. Thank you for your prompt attention to this matter.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I received a letter from Radius Global Solutions for a {$1400.00} debt that does not belong to me ( reference number XXXX ), related to an XXXX XXXX XXXX account XXXX that does not belong to me, without providing any further details/information. I sent them an email and a letter by mail. Your help is greatly appreciated. This situation has caused a lot of distress in my life.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
AIDVantage withdrew money from my checking account without permission. The transaction was reviewed and the money was returned. I hadn't given them my bank account information and there was supposed to be an onramp to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NE

Complaint narrative:
Payments to my loans are not being allocated consistently. Some months all loans get paid towards, other months only part of them have payments allocated. There is no indication that the interest rate is in fact adjusted as promised for paying using autodebit. Also because I am signed up for auto debit they are not sending billing statements that would show the periods balance and payment allocation from prior payments. An autodebit reminder does not provide the same level of detail as a billing statement should and it feels as though they are hiding something. I have emailed to see why I am not getting statements. I've called on prior issues and found I only get scripted responses that do not answer my questions. When my loans were placed in forbearance they did not notify me in a timely manor and when I asked why they were in forbearance they could not tell me why, despite there actually being several published articles explaining why. Customer service is abysmal and I feel I can get more traction filing complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
I believe that according to FCRA 605B, it is mandatory for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts seem to be incorrect, causing me some discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for 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 2024-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc.
State: NM

Complaint narrative:
On XXXX we entered into a contract with Renewal by XXXX local New Mexico installer ( XXXX XXXX ) for replacement patio doors in the amount of {$47000.00} ( subsequently revised to {$37000.00} ), with financing provided by Momnt ( XXXX XXXX XXXX XXXX XXXX, XXXX. In XXXX, 2024 we became aware that the installer did not hold a valid contractors license, had numerous lawsuits against it and had ceased operations. We immediately notified Momnt and requested cancellation of the promissory note and return of {$4000.00} advance payments on the note. Momnt has refused.

We believe Momnts practices were predatory and as they failed to monitor its business relationship with the installer and knew or should have known that the installer was not authorized to enter into this financing arrangement with us.We have received no products or services and have been notified that we are obligated for the full amount of {$47000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-13 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: IL

Complaint narrative:
I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: OK

Complaint narrative:
I was a victim of identity theft i requested a copy of my credit report and i seen accounts on it that didnt belong to me so i contacted my bank and had them to freeze al my accounts until further notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: OK

Complaint narrative:
I was a victim of identity theft i requested a copy of my credit report and i seen accounts on it that didnt belong to me so i contacted my bank and had them to freeze al my accounts until further notice

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mother passed away on XX/XX/XXXX. At the time, she held a credit card with Truist Bank with a balance of {$310.00}. As soon as the death certificate was available and the estate was registered with the local clerk of court, I notified Truist of her passing and provided them with the documentation. I told the branch representative that I wanted to pay off my mother 's credit card balance as of the date of her death. Note that my mother paid her card off monthly, and there was never any interest owed on her account. Even though I provided the requested documentation and have spoken many times with the appropriate departments, they continue to charge late fees and interest fees. They refuse to reverse any of these charges except XXXX month 's worth. As the executor of the estate, I am required to close the estate account by XX/XX/XXXX, but I can not because of this open item. 
Truist 's handling of this matter is not only wrong, it is extremely distressing. They continue to send my mother ( as though they are not aware of her passing ) letters demanding payment in full. I consider this to be inexcusably horrible customer service and would like a resolution immediately.

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 2024-03-12 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:
There is fraudulent, inaccurate, and unverified information on my credit report. I have tried to reach out to the bureaus, but to no avail. According Section605B of the Fair Credit Reporting Act, the fraudulent information must be 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 2024-03-12 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:
There is fraudulent, inaccurate, and unverified information on my credit report. I have tried to reach out to the bureaus, but to no avail. According Section605B of the Fair Credit Reporting Act, the fraudulent information must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NY

Complaint narrative:
Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : [ XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( Equifax, XXXX, and XXXX ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither Equifax nor XXXX reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : [ XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from XXXX, Equifax and XXXX highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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:
Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : [ XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( XXXX, Experian, and XXXX ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither XXXX nor XXXX reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : [ XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from Experian, XXXX and XXXX highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Against : XXXX XXXX  XXXX This complaint alleges that XXXX XXXX  XXXX violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by filing a lawsuit against me without proper notification. 

Specific Violations : 15 U.S.C. 1692i ( a ) : The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written notice of their intent to collect a debt before taking any legal action. XXXX XXXX  XXXX failed to do so in this case. 
I never received any written notification from XXXX XXXX  XXXX regarding the debt or their intention to sue. 

This lack of proper notification prevented me from exercising my rights to dispute the debt or negotiate a settlement before a lawsuit was filed. 

I request that the CFPB investigate XXXX XXXX  XXXX 's debt collection practices and take appropriate action, including : Ordering XXXX XXXX  XXXX to dismiss the lawsuit against me. 
Ordering XXXX XXXX  XXXX to provide me with a proper written notice of debt collection. 
Awarding me any damages caused by the lack of proper notification.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please have the company XXXX XXXX XXXX XXXX XXXX send me a signed copy of any contract I have entered into with them. If they can not provide a signed contract that I have entered into with them, then they are acting fraudulently in attempting to collect any debt from me. Furthermore, their fraudulent activity should not be reflected on my consumer report. Their collection attempt is fraudulent in that : 1 ) I have no contract with them.

2 ) They have no proof of my handwritten signature on a contract with them.

3 ) They are acting as a collection agent and there is no debt because I am the original creditor.

Lockhart , Morris & Montgomery need to immediately prove how any supposed account I had/ have with them was 'verified ' within 10 business days of this report or I will seek damages for fraudulent activity, character defamation and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NC

Complaint narrative:
Please have the company XXXX XXXX XXXX XXXX XXXX send me a signed copy of any contract I have entered into with them. If they can not provide a signed contract that I have entered into with them, then they are acting fraudulently in attempting to collect any debt from me. Furthermore, their fraudulent activity should not be reflected on my consumer report. Their collection attempt is fraudulent in that : 1 ) I have no contract with them.

2 ) They have no proof of my handwritten signature on a contract with them.

3 ) They are acting as a collection agent and there is no debt because I am the original creditor. 

XXXX XXXX XXXX XXXX XXXX need to immediately prove how any supposed account I had/ have with them was 'verified ' within 10 business days of this report or I will seek damages for fraudulent activity, character defamation and misrepresentation.

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 2024-03-12 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 reviewed my consumer reports and noticed unauthorized inquiries on my report. I sent letters for proof and did not get a response. I'm trying to get my first house and need the unauthorized transactions 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 2024-03-12 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: TX

Complaint narrative:
All information is incorrect

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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have received legal documentation from an attorney stating that I am not responsible for the account that is currently still on my credit.

Company response to consumer: Closed with explanation