vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXXXXXX XXXX To Whom it May Concern, I am writing to express my utmost dissatisfaction and apprehension regarding the handling of the reporting of the account XXXX XXXXXXXX XXXX on my credit report. Upon review, I have identified several clear breaches of the Fair Credit Reporting Act ( FCRA ) in relation to this account, and I am demanding immediate action to address these issues. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX XXXX XXXX. 
Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 
Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX was officially closed. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of the reported information. I insist on a prompt response and resolution to rectify this matter. 

Failure to comply with this request within 15 days from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be submitted to the CFPB Portal for expedited access. Furthermore, I request that any corrections made to my credit report are promptly reflected.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ensuring that payments are always made on time for this account has been a priority, ensuring they never slip into arrears. I'm unclear as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Ive requested that the collection agency send me proof that I own the alleged debt I requested an explanation of the purpose of this stated account balance, the agreement that grants you the authority to collect on the debt, documentation that shows I agreed to pay this debt with my wet signature and documentation, showing I gave you permission to have my information and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and authorize use of my Social Security number is aggravated identity theft, and you will be reported for such. A copy of your state license, including the license number that gives you right to collect in my state. Any arbitration agreement that may be related to this debt from the original creditor. the purchase agreement demand to guarantee that the financing and hand-to-hand transactions are accurate you give chain of custody for the account. Reporting information that you know to be in accurate or failing to report information correctly violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
An unauthorized user forged my name on a check made out to me only and cashed it by depositing in my checking account VIA an ATM at the branch I opened the account at and emediatly withdrew {$1200.00} from my account and continued to make cash withdrawels and debits totaling over {$5400.00}. I was the accounts only authorized user. I have a copy of the check showing that it was an obvious forgery and I was XXXX at the time of all transactions. I have went to the bank and told them I did not make these transactions and I want my money back and they said there is nothing they could do about it. As a result of this, it caused me to become homeless and struggling to survive for the past 2 years at age XXXX. I asked the bank manager, You mean to tell me that a person can come to the bank forge my name on a check deposit it and emediatly withdraw {$1200.00} cash and continue to make cash withdrawals from my account and make debit transactions totalling over {$5400.00} in 10 days and no red flags that anything is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, Bank of America ( BOA ) charged off an auto loan in the amount of {$34000.00} to my credit report and held me responsible for the vehicle that they committed repossess. I gave Bank of America 's auto department ( A/c ending # XXXX ) all the information that they required to inspect and repossessed the vehicle. 

XX/XX/XXXX, I lost my job, and I was unable to make payments to the auto loan with Bank of America. I called BOA and asked them to take the car. I was told by the representative that a voluntary repossession was not possible because my loan was current ( I had no outstanding payments ). My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX, and I was not qualified for unemployment. I called Bank of America, told them of my predicament and made it clear that they need to pick up the car. The representative told me that BOA would send out someone to inspect the car. I gave the rep the address and location of the vehicle. The rep told me that BOA would pick up the car and deduct the car 's value plus the repair shop cost and billed me difference. I agreed to this solution. Bank of America sent an inspector but did not pick up the car. To date the car is with the repair shop. I am out of a vehicle and stuck with a charge on my credit report that prevents me from obtaining another car loan, buy a house or anything that requires credit. 

On XX/XX/XXXX, I bought a XXXX XXXX. I had a previous auto loan that was paid off with BOA, they authorized the loan. In XX/XX/XXXX the car was involved in accident. XXXXXXXX XXXX  accepted 100 % liability for the damages to the vehicle. XXXXXXXX XXXX issued XXXXXXXX party check XXXXXXXX XXXXXXXX XXXX  AND XXXX XXXX for {$7700.00}, even though I am the registered owner, insured and the titled is in my name only. I never saw the check. It was addressed to XXXX ( listed as driver ), and he took the check to Bank of America, and they cleared check with his only signature. The bank did not get second signature from XXXX XXXX XXXXXXXX XXXX. The body shop was not paid. ( copy attached ). I called XXXX they told me that BOA agreed to send a replacement check because of the error. They deducted money from XXXX account, but they did not replace the check. Bank of America was negligent in handling this transaction. 

I tried to resolve the matter with BOA and the representative who responded, ignored the facts and passed all the blame to me instead of a resolution. My statements were paperless, and all paid in full until I lost my job. Enclosed are my documents to support my complaint, including proof of numerous calls to Bank of America.

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 2024-04-04 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-04-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I have already had this debt collection removed once since I provided the credit agencies with an email from XXXX XXXX that I returned the equipment. I have the email here attached from 2021. Now XXXX of the credit agencies are reporting it again. One is not and that one is accurate.

I already returned this equipment and an agent of XXXX told me in-person when I returned this equipment that this would not affect my credit and my account and balance with that company, XXXX, would be fine and not in default, or in bad standing. That agent guaranteed me that my account was current and fine. 

Again, this would already resolved in 2021 and removed from the credit agencies once and now it's back on again with two of the three agencies. This is unjust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
I noticed accounts reporting on my credit report that I do not recognize

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 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
Cottonwood Financial aka CASH STORE. Is charging people 500 % interest, that's insane and scammy. Something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was charged {$26.00} by Experian today, and I do not want to be charged. I don't even remember agreeing to paying that much monthly, so I went to the website to try to cancel my account and it told me my payment failed and I needed to add a new card. So they were trying to charge me ANOTHER {$26.00} to be able to manage anything on my account, because the payment method " failed '', then I tried calling because it's either that or through mail? Got an automated system, which said they were going to transfer me to a person and said it'd take less than XXXX minutes, and I ended up not even getting to talk to someone.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> I deposited a check made to my finance but payable to me. We included both signatures as well. The bank now deposited it and then reversed it and mailed the check which I may never receive due to my mail situation. I should have been contacted as in their own words is was almost {$27000.00}. Now they wont just cancel the check and put it into my fiancs new account. They were the ones who said I would be fine doing this and then transferring to his new account since he is XXXX. He has waited for a year for this to be the only source of funds from his social security XXXX. Now we are getting the run around and keep saying wait for a check that they decided to mail and it may never come. This is causing extreme XXXX XXXX and inability to pay bills. Please help us. We have called over 10 times to get pushed around and told to fix my mail which I have done numerous times to no avail. The post office is completely aware.

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 2024-04-04 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:
I would like to dispute these unauthorized inquiries on my XXXX and Transunion report. 
XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-04 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I sent a certified letter, with a negotiable instrument for the payoff of the loan. Included were instructions on how to process the instrument and if they refused the instrument the debt would be discharged under : U.C.C. 3-603 ( b ) states : If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 



U.C.C. 3-311 ( a ) and ( b ) state : ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply.

( b ) Unless subsection ( c ) of this section applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

The letter also included that if they refused the instrument, they needed to inform me and return the instrument, it has been in their possession and they haven't returned it. Which is now causing this to be securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CO

Complaint narrative:
I had to call after 1 month to get a rude, disrespectful XXXX stating, your dispute was resolved!?? It was? and why wasn't I notified? He completely sided with the collection agency and when I asked for more detailed proof of what allows this {$140.00} claim to lower a credit score from XXXX for decades to XXXX, he said that's how it works. He then proceeded with smart XXXX tone, " do you want to dispute again? '' YES I replied but he then said, it will have the Same outcome!! How does he know? Why the refusal for XXXX report information detailed? Corruption is clear, this is extortion!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/year> in which I formally disputed the accuracy of certain collection accounts on my Equifax credit report. The disputed accounts and their respective account numbers are as follows 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter and understand the time required to conduct a thorough investigation. However, as the 30-day timeframe outlined in the Fair Credit Reporting Act ( FCRA ) has passed, I am eager to receive an update on the status of the investigation.

I kindly request that you provide me with the following information : 1. The current status of the investigation into each disputed account.

2. Any findings or updates regarding the accuracy and validity of the reported information.

3. Any actions taken to rectify inaccuracies or incomplete information.

I emphasize the urgency of this matter, as the presence of inaccurate collection accounts on my credit report is adversely affecting my financial standing. I am aware of my rights under the FCRA and trust that Equifax is committed to ensuring fair and accurate reporting. 
If additional time is required to complete the investigation, please provide a reasonable timeline for resolution. Your cooperation in promptly addressing this matter is crucial, and I look forward to a timely response.

Company response to consumer: Closed with non-monetary relief