vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against SWRecovery concerning a matter that has left me with no choice but to seek your intervention. My name is XXXX, and I recently discovered an unauthorized debt reported on my credit report by SWRecovery. 

Here are the key details of the case : Unauthorized Charge : SWRecovery has reported a debt on my credit report, claiming an account that I have never opened or had any association with. 

Communication Challenges : The contact number provided on their website is unresponsive, and despite leaving numerous voicemails, there has been no response. Additionally, emails sent to XXXX have gone unanswered, making it impossible to resolve the matter through direct communication. 

Unsuccessful Dispute Attempts : Despite my persistent efforts to dispute this charge since XXXX, all attempts have been met with failure. 

In light of these challenges, I have no choice but to escalate this matter to the Consumer Financial Protection Bureau and seek your assistance in resolving this dispute. I have attached relevant documentation, including communication records and proof of my attempts to resolve the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
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 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 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. i HAVE ALSO REACHED OUT TO ALL 3 CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Frozen ACH for XXXX for 3+ months, no help, will not say why or when I can expect the funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My application for credit was declined based on what their employees called the " Solid XXXX '' rule. Meaning XXXX or more new accounts in the last 2 years, is an " instant denial '' for a new line of credit. This being a specific practice of theirs, was not posted anywhere on their application, nor terms of the application. 

I contacted Chase Bank on XX/XX/2024 and was escalated to their review team, seemingly to resubmit my application which I did not want to do. They provided no path for me to escalate the matter that I was completely mislead in their application process. Again, had their specific " XXXX '' rule been posted even in the terms and conditions of their application, I would have avoided applying. 

Because of this new hard inquiry that could've been avoided by posting the actual terms of a credit application, I am now not likely to receive lines of credit from any other financial institution for up to 24 months, or longer. I will certainly not be able to do so with a satisfactory interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I called Curacao store to report, it is not my account so they stop reporting under my name to credit bureaus, that I have a police report and affidavit of identity and they did not help me. they only said to contact credit bureaus. 

Curacao furniture store, has a customer with name and birthday just as mine, but different social number. 
so they need to stop reporting under my name. 
I have made police report and affidavit of identity but they did not help me they just told me to contact credit bureaus. 

The other financial companies reporting under my name stopped reporting under my name as soon as I emailed them police report and affidavit of identity Curacao account info : XXXX XXXX account start with XXXX and I have disputed this with XXXX multiple times and that's what I explained to curacao representative, it has to start with you ( Curacao ) thank you and thanks a lot! 
XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
on XXXX i deposited a check for XXXX dollars they immediately put my account on freeze and funds on hold and did not say why! i received an email saying the funds would be available on XXXX on XXXX i received an email stating that my funds were put on hold for another 90 days! this is unacceptable! I am now late on rent and might get evicted! the lady that wrote the check was going to write another one but when she called the bank said the check had already been cashed! I dont understand this?! why cant i just close the account and cancel the deposit? why cant anyone tell me more information?! i also did not relize that i was signing up for an online only bank and also would not recieve a debit card! this bank ( citizens ) should be shut down for doing this! i am not the only one that this has happened to!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: MI

Complaint narrative:
SEE FILES ATTACHED. I AM THE SENDER. THIS IS NOT A THIRD PARTY. IF YOU REFUSE TO COMPLY, YOU WILL BE SUED.

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 2024-01-08 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: MI

Complaint narrative:
SEE FILES ATTACHED. I AM THE SENDER. THIS IS NOT A THIRD PARTY. IF YOU REFUSE TO COMPLY, YOU WILL BE SUED.

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 2024-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: MD

Complaint narrative:
At the end of my lease with VCFS ( Volvo financing company ), the company assessed additional charges for excessive wear on XXXX tire. 

I reached out to the company over the phone and in writing that all servicing of the vehicle was done at Volvo dealerships ( and the lease term was within the Volvo bumper to bumper warranty term ) and there was never any problem around excessive wear or other contributory factors ( such as issues with the breaks ) were ever identified.

The response was the VCFS was a finance company and this was an issue for Volvo. I reached out to " Volvo '' as well but there was no response. The damage assessed was pretty substantial ( almost {$600.00} ). 

While this matter was still being contested, Volvo reported an uncollected debt on my credit report around the same time as I was looking to buy a house. This greatly limited the mortgage options that were available to me resulting more than {$10000.00} in excess costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have had a checking account with Citibank for 20+ years and also had a CD with them for the last several years that I allowed to auto-renew each year. The Citibank web site and monthly statements shows the CD current balance and does not show anything is wrong with the CD account. 

Today ( XX/XX/ ) I contacted them by phone about stopping the auto-renewal of the CD at the next maturity date ( XX/XX/ ) and was told the CD account was in an inactive status because I had not initiated any transactions for several years, other than the auto-renew. 

My Citibank checking account, managed under the same username login as the CD and titled with the same single account owner as the CD is very active ( multiple transactions per month ) so marking the CD as inactive because I haven't made any transactions in that account doesn't make sense. You don't do deposits/withdrawals against a CD account and allowing it to renew on a yearly basis is normal behavior. 

Citibank is stating that they will turn the account over to my state as unclaimed funds unless I physically go down to a branch to fix the inactive status. Even though I had verified my identity through a series of questions over the phone they stated that they could not re-active my CD account unless I visited a branch in-person which is not reasonable. 

They have my email address as well as my mailing address and have not sent me any correspondence that this was a problem- it wasn't until I called and asked about this account that I was even made aware of the issue. Citibank 's web site and monthly printed statements show the CD balance without any indication there is a problem.

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 2024-01-08 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: SC

Complaint narrative:
I am writing to dispute hard inquiries that have appeared on my credit report. After reviewing my credit report, I have identified these inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX  All Banks XX/XX/2023 TransUnion XXXXXXXX XXXX XXXXXX/XX/2023

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 2024-01-08 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: WA

Complaint narrative:
On XX/XX/XXXX, I received an email from my student loan service provider MOHELA stating that I had a student loan payment past due. I had just recently graduated and earned my XXXX XXXX on XX/XX/XXXX. My account was given no grace period, and I was instantly put into repayment. Since XX/XX/XXXX, I have called MOHELA at their customer service number ( XXXX ) 10 times and I have been meet with wait times upwards of 55 minutes. When I am able to get through to an agent, I am told my account needs the help of a supervisor, who I am then transferred to and meet with another wait time upwards of 45 minutes. When I am called back by a supervisor, there is no ability to call the supervisor directly back, so I am forced to wait over 2 hours for a call back from a supervisor at that point. I now have a past due charge on my account with no verification that I will have the error fixed, or any way of contacting a supervisor to confirm that they are working on my issue. 

It is incredibly frustrating to have a loan service provider that struggles with communication and professionalism in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: PA

Complaint narrative:
Dear XXXX, On XX/XX/XXXX I submitted a request for investigation under FCRA 611 ( a ) to XXXX regarding the following accounts on my credit report : XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as XXXX has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that XXXX delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. I am requesting that XXXX provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of XXXX. Please note that I intend to pursue legal action if this matter is not resolved. I would like to remind you of Dixon-Rollins v. XXXX  Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that XXXX will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. Best regards, 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 2024-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX SSN : XXXX D.O.B : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in the fraudulent account, I expect to see original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : ACCOUNT NUMBER COMMENTS XXXX XXXX XXXX Not my account XXXX  XXXX XXXX Not my account XXXX XXXX XXXXXXXX XXXX Not my account XXXX XXXX XXXX  XXXX Not my account XXXX XXXX XXXX XXXXXXXX Not my account Please note that I have opted out in writing of your forced arbitration terms and a willingness to seek legal relief. I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit 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 2024-01-08 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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