vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: Hunt & Henriques
State: CA

Complaint narrative:
This debt, Hunt and Henriques collection law firm represent XXXX XXXX XXXX bank and is currently filed a judgment against me. I've disputed on many occasions about this situation and have not recieved a response regarding an email i sent XX/XX/scrub>/2024. 

Email/ Letter included : " According to IRS guidelines under **IRC 166**, once a debt is deemed worthless, it should not continue to be collected. The continued collection efforts raise questions regarding the debts actual value. 

Failure to adhere to these guidelines could result in IRS violations, which may incur fines under IRC 6700.

IRC 6700 imposes penalties on individuals who promote abusive tax shelters or prepare false or misleading statements regarding the tax implications of a financial transaction. The fines can be significant : A penalty of {$1000.00} for each improper promotion or representation made.

If the promoter is a corporation, the penalty increases to {$10000.00} for each violation.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, I request validation of this debt, including : 1. Documentation proving the existence of the debt and its current balance.

2. Evidence showing that the debt has not been categorized as worthless for tax purposes.

3. The accounting financing statement related to this charge-off.

4. A copy of the original contract with my signature.

Additionally, under **15 U.S.C. 1692e** and **15 U.S.C. 1692f** I am entitled to request and obtain all information relevant to this debt, including any records of communications and transactions such as financing statements, charge-off accounting statements, insurance claims etc.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681b** and **15 U.S.C. 1681s-2**, I request that you cease any reporting of this account until proper validation is provided. 

I also wish to address your recent filing for default in court cases XXXX and XXXX regarding this matter. Given the principles outlined in both the FDCPA and FCRA, I request that you dismiss any legal actions related to this account until proper validation is provided. 

If this debt is indeed considered worthless, I ask why collection efforts and legal proceedings are ongoing. Furthermore, a breach of contract on your end of the arbitration clause. I expect your response within 15 days and anticipate a resolution to this matter ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report is showing a charge off account from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. According to the FCRA I was suppose to receive a 1099c form for any debt charged off and is {$600.00} or more by law which I never received so I am requesting that form. This account should not be reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they also violating FCRA 15 USC 1681 ( eb ) for reporting information that is not 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I received an alert from my bank that there was activity on my credit report. I checked and Bank of America of American had issued a credit card in my name to the tune of {$7500.00}. I immediately contacted Bank of America at XXXX, I spoke with XXXX ( spelling? ) and informed her of the fraudulent activity. While she would not provide me with the address of where the card was going, she did confirm it was not coming to me. She stated she would forward the the information to their " fraud '' dept and asked if I would like a copy of the credit application. I advised her that absolutely I wanted that copy. 

I have always had a fraud alert on my credit report ( all three ) and NO institution should be issuing credit without contacting the number listed on my credit reports. I received no such call. 

On top of that, the only correspondence I have received from Bank of America is the the received my inquiry into my account. I don't even know what that is suppose to mean. I did " submit an inquiry '' on my account. I do not have an account. I called to report fraud and idently theft. 

Thanks to Bank of America, I have had to place security freezes on all my credit reports, which takes time. I have had to go online and file this complaint, again, time. I work very hard to pay my bills and Bank of America is costing me money I do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: MI

Complaint narrative:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium ( Account # XXXX ) is attempting to collect on behalf of XXXX XXXX. XXXX admitted the debt was in error and the equipment was returned and it was a system error improperly logging that return. I also spoke to XXXX and they verbally stated it was an error and nothing was owed to them. In an effort to preserve our XXXX XXXX and report, we paid XXXX directly {$XXXX}, despite their admission that there was an error. Sequium is still reporting a collection to both XXXX and XXXX. This is in clear violation of the Fair Credit Reporting Act. Our request is IMMEDIATE removal of Sequium from the reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Method Of Verification Request To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any documents to support your reporting. As of today, you still need to supply such documents. 

Accounts : XXXX. XXXX  - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX ( Late Payment ) I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes. 
All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

Written proof that you forwarded all the relevant information in my earlier disputes to the creditor. FCRA 611 ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report.

I am keeping careful records of our communications in case I must file a complaint to seek relief and monetary damages under the FCRA Sections 616 and 617. 

After you've completed your investigation, please send the results to me via mail. 

Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 

My information is as follows : Full Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Thank you for your time, 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 non-monetary relief
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I made a payment to XXXX XXXX XXXX for {$480.00}. XXXX XXXX XXXX initiated to other withdrawals one for {$1700.00} and another one for {$1100.00}. I immediately called the bank to dispute the charges. I was informed that I had to wait until the charges posted to the account. Once the charges posted to the account, I immediately called the bank. They started a dispute however they put the dispute in as fraud not unauthorized charge. Im thinking do a language barrier with the representative which appeared to have an XXXXXXXX XXXX.The initial claim was denied. I reopen the claim, and it was denied a second time. I reached back out to the bank explain the situation to them, and they open a second claim. That second claim was then denied based on the decision of the first claim. They refuse to reopen the claim or move forward any further. I contacted Visa corporate office, they instructed me to reach out to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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 I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: VA

Complaint narrative:
I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding several accounts that are inaccurately reported on my credit report. These include XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX XXXX ( Account XXXX ), XXXX ( Account XXXX ), and XXXX ( Account XXXX ). I initially disputed these items with TransUnion via certified mail on XX/XX/2024, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. However, TransUnion failed to respond to my dispute within the 30-day period required under FCRA Section 611 ( a ), which mandates a timely investigation and response to consumer disputes. Additionally, I have directly disputed these accounts with the companies in question, but I either received no response or was asked for more personal information, which I have a legal right not to provide under the FCRAs protections against identity theft and fraud. I refuse to give them further personal details because it risks the integrity of my dispute and raises serious concerns about potential fraudulent activity. These companies are legally obligated under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, to accurately report only verifiable information. I believe these demands for additional personal information are an attempt to undermine my dispute, in violation of my rights. I have not received verification or adequate documentation to support the continued reporting of these accounts, as required under FCRA Section 623 ( a ) ( 1 ) ( B ). I am requesting immediate corrective action and removal of these items from my credit report due to their unverifiable, inaccurate, or outdated nature. Failure to comply with these federal and state consumer protection laws is a violation of my rights and constitutes negligence by both the credit reporting agency and the creditors involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TaxServ, LLC
State: WA

Complaint narrative:
TaxServ XXXX XXXX, LLC sent a letter dated XX/XX/XXXX to collect a debt of tax owed on a vehicle totaling {$430.00} from the years XXXX and XXXX from XXXX XXXX CT. I sent a letter requesting validation of the debt via certified mail post-dated on XX/XX/XXXX. I did not receive a response until XX/XX/XXXX in which the company sent another bill demanding payment, without validation of debt, and stated that they had not received a response from me to their original letter. This is false as I have proof of delivery of my written statement to the company, confirmed delivered to their offices on XX/XX/XXXX in XXXX XXXX, CT. The company failed to provide validation of the debt within an appropriate timeline ( 30 days from written request ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on XXXX reporting as of XX/XX/XXXX. The last payment was not made on XX/XX/XXXX and is 30 days past due from XX/XX/XXXX reporting late every month from XXXX until XX/XX/XXXX. This is very inaccurate payment history reporting. I should have an active payment history from XXXX. XXXX, XXXX, and XXXX report different Account names as third parties XXXX XXXX XXXX XXXX. This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. XXXX failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following account : XXXX Account number : 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 non-monetary relief