vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: KS

Complaint narrative:
I previously had an account with XXXX  XXXX, it was closed out and sold off XXXX XXXX XXXX, the collection information seems inflated and incorrect so I sent a Dispute letter per the FCRA. The company failed to verify the debt and refuses to pause collection activity including derogatory credit information even though they can not validate the debt. 
XXXX is a predatory debt collector who runs afoul of federal laws such as the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I want to report an attempted fraud by an insurance company that claims I owe them the sum of {$340.00} for suspension of my home insurance policy # XXXX. I have not had any communication regarding my home insurance with that company called XXXX XXXX and they want me to pay them that money for that supposed policy that I bought from them. I thought it was a simple mistake they had made and I did not pay attention to it but I have received XXXX letters from a collection agency called Credit Collection Service File # XXXX which is threatening to report my credit to the major credit bureaus. My house was insured throughout XXXX with the XXXX company, XXXX # XXXX and this policy expired on XX/XX/XXXX and I immediately requested a policy with XXXX XXXX which is the policy my house currently has # XXXX. How can this be allowed? I request an immediate investigation into this insurance company, which apparently operates without any kind of regulation in this country. I am attaching evidence of my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
A company called LVNV purchased a judgement against me from XXXX XXXX  which was originally a XXXX Credit Card account. They have sense posted the account as a collection account instead of a Judgement purposely to have it show up on my credit report in an effort to harm my credit score. I have repeatedly asked them to remove it as it is a judgment that is not allowed to be active on my credit report based on consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from 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 non-monetary relief
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from 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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There were two lines of store credits cards open under my name. All my information was used to open those two-store credit cards ; my name, home address, email, phone number, DOB and social security information. 

I was informed there was a XXXX XXXX XXXX under my name by an email received on XX/XX/year> that disclosed the statement and the amount that was owned. The amount owned is XXXX. I informed XXXX that I did not open the credit card line, and they reported it to their fraud department.

I was informed there was a Target credit card under my name by a Target representative calling me directly to collect a payment. I am unsure when the calls started but possibly early XXXX. I called Target 's fraud department and reported this as a fraud as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have two loans with XXXX and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX This company had a hard inquiry on my report for XX/XX/XXXX and again for XX/XX/XXXX. They arent mine. I want these both delete because I did not authorize this company to run my credit. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Hard Inquiries by Xactus and XXXX XXXX XXXX  Bankers To Whom It May Concern, I am filing a formal complaint regarding unauthorized hard inquiries on my credit report by Xactus and XXXX XXXX XXXX  XXXX, specifically through an individual named XXXX XXXX at XXXX XXXX XXXX  XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, access to a consumers credit report is restricted to permissible purposes and requires the consumers express written consent. I have never authorized Xactus  or XXXX XXXX XXXX  XXXX to access my credit report or conduct these hard inquiries. 

These repeated unauthorized inquiries are a direct violation of the FCRA, and they have negatively impacted my credit score and financial standing. I respectfully request the following actions : 1. An immediate cessation of any further unauthorized inquiries by Xactus and XXXX XXXX XXXX  XXXX. 
XXXX. The removal of all unauthorized hard inquiries from my credit report. 
XXXX. A thorough investigation into these actions and a written response detailing the steps taken to address this issue. 

I trust the CFPB will investigate this matter with urgency and ensure compliance with consumer protection laws. Thank you for your attention and for assisting in resolving this serious issue. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I do not have dates. 

This matter has all transpired in the last several months. I had nine student loans with the XXXXXXXX XXXX XXXXXXXX. I consolidated those loans, and they were paid off by the XXXXXXXX XXXX XXXX. The loans with XXXX totaled a little over {$15000.00}. The loans with XXXX have been paid off. All my credit reports : XXXX, XXXX and TransUnion still show my XXXX XXXX accounts with balances. I just recently refiled a dispute with all three credit bureaus and none of them have reduced the balances to zero. So now, in addition to the $ XXXX from XXXX XXXX I now have the additional {$15000.00} on XXXX. That is over {$30000.00} in student loans. 

I have contacted XXXX who said it was XXXX that is supposed to remove this. I contacted XXXX who essentially said it's not their job. I have contacted the credit bureaus at least twice. Today, XXXX, XX/XX/XXXX, TransUnion suggested I file another dispute. I am trying to get business funding and can not go forward until this matter is resolved. Each of these bureaus had detailed information and the phone number for XXXX. There is absolutely no reason why they should not have resolved this matter by now.

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 2024-11-25 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: PA

Complaint narrative:
I do not have dates. 

This matter has all transpired in the last several months. I had XXXX student loans with the Dept. of EducationXXXX. I consolidated those loans, and they were paid off by the Dept. of EducationXXXX. The loans with XXXX totaled a little over {$15000.00}. The loans with XXXX have been paid off. All my credit reports : XXXX, Experian and XXXX still show my XXXX XXXX accounts with balances. I just recently refiled a dispute with all three credit bureaus and none of them have reduced the balances to XXXX. So now, in addition to the $ XXXX from XXXX XXXX I now have the additional {$15000.00} on XXXX. That is over {$30000.00} in student loans. 

I have contacted XXXX who said it was XXXX that is supposed to remove this. I contacted XXXX who essentially said it's not their job. I have contacted the credit bureaus at least twice. Today, Monday, XX/XX/XXXX, XXXX suggested I file another dispute. I am trying to get business funding and can not go forward until this matter is resolved. Each of these bureaus had detailed information and the phone number for XXXX. There is absolutely no reason why they should not have resolved this matter by now.

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 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NJ

Complaint narrative:
I submitted a request for a buyout quote on the XXXX of XXXX because I'm in the process of securing a loan to prevent losing my home and defaulting on my debts. During the initial phone call, I was informed that these requests typically take between XXXX and XXXX business days to process. 

On XX/XX/XXXX, I followed up to check on the progress. Unfortunately, they didn't have any updates for me. I emphasized the urgency by explaining that my bank has set a deadline of XX/XX/XXXX for receiving this buyout quote, as it affects my loan application, and they assured me that they would flag the ticket with this information. 

When I called again on XX/XX/XXXX, I was told there was still no progress, even though the ticket was marked as urgent. The customer service representative mentioned that responses can sometimes take up to 30 days. 

I'm at a critical juncture where this quote is essential to avoid losing my home and defaulting on multiple loans. They are able to give me the full amount needed for me to buy out of the loan verbally over the phone, but they have not been able to send this on paper. Castle Credit Co Holdings , LLC does not seem to care at all. 

Castle Credit, please get me the buyout quote you promised me so that I can delete/close this complaint. This is affecting the well-being of my entire family and will likely result in us going XXXX if you don't act in a timely manner. Please don't do this to us. The ticket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2024-11-25 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: SC

Complaint narrative:
I, XXXX XXXX, have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) related to my credit report. These violations have significantly impacted my credit and consumer rights, and I am seeking immediate resolution. Specifically : FCRA Section 616 - Civil Liability for Willful Noncompliance : The credit reporting agency accepted credit information about me without first verifying its accuracy. This failure to ensure accuracy is a clear violation of the FCRA and makes the agency liable for civil penalties of up to {$1000.00} per violation. 

FCRA Section 603 ( d ) ( 2 ) ( A ) - Disclosure Obligations : The agency failed to disclose my right to opt out of sharing my personal information, violating my consumer rights under the law. This omission is both deceptive and unlawful. 

FCRA Section 623 ( a ) ( 3 ) - Furnishing Inaccurate Information : Several inaccurate inquiries and accounts were reported to my credit file without proper validation. This constitutes deceptive reporting and is not in compliance with Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Practices Act Violations : Debt XXXX  inaccurately reported debts and accounts without my consent, causing unnecessary harassment and distress. This also included improper disclosures to third-party credit reporting agencies, violating regulations that prohibit such actions.

Late Payment Reporting Issues : The agency reported " late payments '' on my credit report without properly defining or verifying what constituted a late payment, which is both deceptive and inaccurate.

Improper Finance Charge Determination : The credit reporting agency failed to properly determine finance charges on my credit accounts, which is a violation of their responsibilities under the FCRA.

Unauthorized Hard Inquiries : Several hard inquiries were made on my credit report without my written consent, which violates the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ).

As a result, I have formally requested that the agency take immediate action to delete all inaccurate and unauthorized information, including my personal data and several debt-related accounts. I also demand the deletion of unauthorized hard inquiries that were made without my consent.

If these violations are not addressed within the time frame specified by the FCRA, I will have no choice but to pursue legal action, as I am entitled to under 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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 ) Please remove the following inaccurate address from my credit report : PORTFOLIO RECOVERY ASSOCIATES. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have now been sent XXXX notices/letters, which I have attached, from Wells Fargo dated XX/XX/year>, XX/XX/year> and the most recent dated XX/XX/year>. stating " Action needed to process your credit card application # XXXX which I did not apply for. 

I called them each on the first XXXX letters letting them know I did not apply for the Credit card and this was a fraudulent application and to close out the application as fraud and to report back to XXXX and delete the hard credit inquiry, These last letter shows that since XX/XX/XXXX they have ignored my XXXX calls and are still trying to process the fraudulent application

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 2024-11-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Hard Inquiries by XXXX and XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint regarding unauthorized hard inquiries on my credit report by XXXX and XXXX XXXX XXXX XXXXXXXX, specifically through an individual named XXXX XXXX at XXXX XXXX XXXX  XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, access to a consumers credit report is restricted to permissible purposes and requires the consumers express written consent. I have never authorized XXXX or XXXX XXXXXXXX XXXX XXXX to access my credit report or conduct these hard inquiries. 

These repeated unauthorized inquiries are a direct violation of the FCRA, and they have negatively impacted my credit score and financial standing. I respectfully request the following actions : 1. An immediate cessation of any further unauthorized inquiries by XXXX and XXXX XXXX XXXX XXXXXXXX. 
2. The removal of all unauthorized hard inquiries from my credit report.

3. A thorough investigation into these actions and a written response detailing the steps taken to address this issue. 

I trust the CFPB will investigate this matter with urgency and ensure compliance with consumer protection laws. Thank you for your attention and for assisting in resolving this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX, NY 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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a second follow up to complaint XXXX. After filing my complaint through the portal and submitting additional information about violations of law, I have been contacted by XXXX Bank employees, however, neither will return my call. I am attaching the proposed Class Action Compliant that I intend to file in the U.S. District Court for the Northern District of Illinois on XX/XX/year>. Bank of America can't continue to hold funds hostage and give people the runaround. Once again, in the interest of full transparency, I am a XXXX XXXX XXXX XXXX with XXXX years of experience in this field, including 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 monetary relief