vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: PR

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX account XXXX, has violated my right. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written isntructions.

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 2023-12-06 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: TX

Complaint narrative:
The credit bureaus deleted the account ( RENTRECOVERY SOLUTIONS, however it is still reporting on their websites. 
Also, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I was attempting to withdraw money out of my Square bank account at a XXXX XXXX XXXXXXXX atm on XX/XX/XXXX. I wasnt sure of what my daily cash withdraw limit was, so I tried pulling the full {$1000.00} out which is what I needed. It did not let me, so I tried {$500.00} and was still not able to which led me to try {$300.00} but still no luck. I ended up trying another atm across the street with no luck still. The next day ( XX/XX/XXXX ) I checked my email and saw I received an email saying my card wasnt working because of suspicion of fraud. I also check my account and saw there was an atm withdraw of - {$1000.00} which was not me. I immediately filed a dispute and called to confirm that it went through on the app. I talked to someone and they told me it was being processed but I also asked what my cash limit was to withdraw and the told me it was {$300.00}. I asked them to see if they can put that as a note for the investigation team to show that it would be impossible for me to pull that much out at once, they agreed and put a bit. About two weeks later I received an email saying they could not credit my account due to me having my physical card with me at all times. They told me I needed to reach out to the seller which I have no information about. The transaction only shows a street name and nothing else. Ive talked to them at least a dozen times since then trying to have them look back into it and eventually they just never replied back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX  customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with 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 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
I had XXXXXXXX XXXX XXXX  of XXXX XXXX to do a service at my home and no contract was made or paperwork. I paid for service and later decided I did not want to use them anymore. XXXX stated that it was ok and he would cancel. Not once did I hear of the few that was added. Never once reached out to me to let me know, no email, text, mailed letter, call, or voicemail was received. I did one service with them on XXXX of XXXX and now on XX/XX/XXXX am now getting a notice from a debt collector of these charges. How can someone do this and get away with it. Not once was I told of this charges. I paid for my service and now my credit is in jeopardy for their incompetency in communication and transparency with customers. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My identity has been involved in a XXXX data breach. I was unaware of the data breach and was then hit with constant calls that involved debt collectors from Credit Card companies and personal loans. I believed that these were just spam calls and people trying to get me to pay money that was not real. I then tried to pull a credit report and the credit report was frozen and they were not frozen on my behalf. I have filed a claim and an identity theft report. Please remove all hard inquires, payments, and collections from my report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I applied for mortgage assistance, got approved and got loan modification documents signed and returned along with the payment on XX/XX/23. I called XX/XX/XXXX to give XXXX payment for modification and they would not let me give a payment and told me to wait until the modification is 100 % approved. 
I continued to call 2 times per week to make sure it was accurate and each time I called they said it was correct dont pay it until the plan gets confirmed. 
I got a denial letter this morning for non payment of 1st plan agreement which is false as I wired the money and attached photo below. I called midland mortgage today and they said it must of been a mix up because they see the 1st payment and see the notes of workers telling me dont pay it until your loan is 100 % done.

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
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Urgent Attention Needed - Dispute Resolution and Harassment Concerns Dispute claim # XXXX Dear Wells Fargo Bank, I am writing to express my sincere apologies for the delay in providing you with the necessary information regarding my ongoing disputes. 


The basis for my disputes are two-fold : Breach of Terms and Services : My initial agreement with Stuff Storage / Neighbors clearly outlined my expectation of XXXX access without harassment. Unfortunately, this expectation has been continuously violated, significantly impacting the reason I chose your services. 


Forced Change of Terms and Unjustified Decisions : Following my move, I was subjected to a forced change in my service terms. This decision, based on outside influences unrelated to our original agreement, forced me to endure undue harassment and abuse.They the following people were committing real estate and insurance fraud and they used Stor / Neighbor facilities on XXXX to create a fraudulent relationship with me! I am temporarily displaced I dont have any friends or family! 

I have never had any legitimate relationships with these professionals thieves! This is another reason why they requested an escort! Please refund all monies and if there are other charges with them refund them as well! I am sad Stuff / Neighbor were involved because for the most part these are wonderful people! 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Low class government chasing XXXX XXXX, XXXX XXXX XXXX '' XXXX and XXXX, and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX from XXXX XXXX Furthermore, I believe Stuff Storage / Neighbors was manipulated by a network of elected and city officials in XXXX XXXX, who utilized their influence to sidestep the legal requirements! They did not have a legitimate legal basis so they violated their own policies! Incase you are wondering that is illegal and subject to legal action! This was a fraudulent attempt to validate the theft of my identity. 

This is completely unacceptable and goes against the core values I expect from elected city officials! 
I urge you to review the provided records documenting these issues. My primary objective is to resolve these disputes and deny any financial compensation due to these unscrupulous service providers! 

To facilitate a swift and satisfactory resolution, I propose a meeting at your earliest convenience or email or a day and time I can call you directly! My phone and identification was stolen by these people! I am available by email at XXXX Thank you for your time and attention to this urgent matter. 
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 explanation
Consumer complaint received 2023-12-06 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-12-06 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: NJ

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a Debt Validation Request. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of 2023, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CAVALRY PORTFOLIO has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CAVALRY PORTFOLIO is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
Everytime I call this company they dont answer nor be responsive regarding this debt and I have told them countless times Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IA

Complaint narrative:
On XX/XX/XXXX We Sent Out A Dispute Letter Asking Equifax Credit Bureau To Verify Make And Sure That They Are Reporting 100 % Accuracy On My Credit Report. I Gave Them 30 Days To Respond And I Didnt Receive Any Response Back From Them. According To FCRA Section 611 ( ) U.S.C 16811 Metro To Compliance Standards, I Challenge All Inaccuracies And Deficiencies Of Reporting. Today Is Now XX/XX/XXXX I Am Now Reporting Equifax To A No Response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: OH

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-12-07 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: OH

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The last several years PNC Bank has charged me thousands of dollars for NSF funds. Recently I discovered year to date of approximately {$750.00} in fees for NSF. On or about XX/XX/XXXX PNC announced no longer charging customers fees when funds are deposited within 24 hours. 
On or about XXXX XXXX XXXX  I spoke w a representative regarding the fees- {$36.00} was refunded and was told, a supervisor would contact me-never received a call back -On or about XX/XX/XXXX reviewed my account was overdrawn by approximately {$17.00}. Deposited via XXXX at XXXX ( prior to deposit no fees were added ) leaving the account positive balance -On or about XX/XX/XXXX account was charged {$36.00} fee I called spoke w representative XXXX-was told computer was down, call back-spoke with XXXX again system down -On or about XXXX spoke with XXXX I was told my checking account was never enrolled in low balance virtual wallet refused to refund feesas per XXXX the system doesnt recognize any deposits after XXXX refused to return funds I have over {$750.00} worth of fees while PNC received BILLIONS of PPP loans from taxes as well as PNC committed fraud/deceptive practices by failing to stop NSF Fees but instead changed the wording to overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY CREDIT SYSTEMS INC
State: PA

Complaint narrative:
XXXX from Security Credit Systems called and identified he was calling from Security Credit Systems. He contacted XXXX of my family members that I know of. He violated my rights and I'm going to sue. SCS owes me {$1000.00} per violation for indicating to my family that he was calling from a debt collecting company. The minute he said the name of his company he violated my right. He is harassing family members and he asked them to relay a message to me. In addition, I have a payment arrangement with the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan was assumed from XXXX XXXX XXXX by NewRez in December of 2022. I was on bi-weekly and had never missed a payment and was building great equity. NewRez states they we're unable to transfer my payment from XXXX XXXX XXXX. I lost autopay and fell behind, all while they made it my fault. They've also made the process to install bi-weekly payments incredibly difficult - my loan that I had agreed to was on a very easy, very simple to setup biweekly payment program. NewRez has been nothing but predatory and difficult to work with in the sole purpose of lining their pockets and making it difficult for consumers to save money on their loan - as I had been! To date - I am still not on bi-weekly or even a smooth auto-pay experience and I've had nothing but issues with on-time payments, hurting my credit score & reducing the equity in my home. 

I had a near perfect payment history prior to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NY

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I XXXX request that you please take it off 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