vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX- I received notice from Diversified Adjustment Service Inc. that they have bought my supposed debt from XXXX XXXX. 

XX/XX/XXXX - I wrote Diversified Adjustments an email and opened a dispute directly with them, asking for proof. 

XXXX XXXX They replied to this dispute with sending me the XXXX bill ( s ) for the equipment, and the service. 

XX/XX/XXXX through XX/XX/XXXX- I called multiple XXXX customer service people, went into two different stores, and tried calling XXXX, their Executive Relations Sr. Analyst, and left voicemails and emails for XXXX XXXX No answer. Each person from XXXX said my account doesn't exist, from the account number that was on the billing statements. 

XXXX XXXX Mailed diversified Adjustments a dispute letter asking for them to send me validation of debt, including a contract from XXXX with my signature on it. Called and asked as well. 

XXXX XXXX They replied via email with the same billing statements they have sent before, with the same account number that XXXX said does not exist, with no contract and no wet signature from me. 

I can not provide CFPB or credit bureaus with documents or receipts or contracts because either they simply do not exist or they refuse me access to them. I believe it is the former.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting receivable management XXXX, has violated my rights. 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

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 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I own a XXXX XXXX with a partner and I was buying him out with a XXXX exchange from another property I sold. I applied to assume the loan that my partner and I have together on XX/XX/XXXX. I was denied in approx XXXX because of my ratio. I resubmitted the application with more income from my retirement and as of XX/XX/XXXX its been in underwriting. No assumable loan should take 3 months to tell a customer that they qualified or not. I have a XXXX credit score, no credit card debt, my ratio is good. Im trying to assume a loan that Im half on already. The building is worth XXXX and we owe XXXX. Im giving partner XXXX cash and assuming the loan of XXXX through chase bank. They have been giving me a run around since XXXX. Please help. I have never been denied a loan and I have done 15 to 25 loans in my lifetime. XXXX, I have lost XXXX in rental income waiting for them to approve or disapprove this loan and may have to pay penalty taxes for not getting XXXX exchange done In time by XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: SC

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

Company 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 2024-12-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I would like to bring to your attention a situation that happened to me that needs corrected. In XX/XX/year>, I ordered checks through my bank : Fifth Third. Those checks were sent to the bank, the bank sent them back to the printer. I ordered a second set of checks that were sent to the wrong address, those were returned as well. I then ordered a 3 rd set of checks btu in the meantime I was out of checks so I purchased checks from XXXX so I would not be late on bills. When the 3rd set arrived, I returned them to the bank stating I no longer needed them since I had purchased checks elsewhere. The teller took them back but closed my checking account. I then had 7 bounced checks because I was not aware my account was closed. I then had to explain to those companies and private people what had happened and had to eat crow to make the payments correct. The checking account had plenty of money and I spent a whole day calling my utilities and credit card company to beg for a reversal of extra charges due to the account being closed. 


I hope you can please follow up on this and correct this horrible mistake, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: AL

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

I demand the late payment reported to be removed/updated.

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

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

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

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

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 2024-12-30 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-12-30 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: DC

Complaint narrative:
I received a credit inquiry alert for XXXX from Capital One. I contacted XXXX but I was told I needed to have a fraud report from FTC to have the inquiry removed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with 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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Commencing with the first time that I attempted to use XXXX to make a payment through my Chase checking account on XX/XX/XXXX, and continuing every single time since that I authorize payment to a new XXXX or XXXX payee ( five separate occasions on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), my account has been flagged for fraud. Each time, my transaction has been halted until I complete a series of three personal identification questions and seven transaction-specific questions. The first transaction-specific question that I am asked is " Why are you paying this person or company? '' which is rather personal. This fraud prevention practice consumes anywhere from 20 to 30 minutes of my time and appears to always be handled by an overseas calling center making me question how well-protected my account really is from fraud given that someone overseas is looking at my account each time this happens. I also question why I am flagged with every single new payee in either XXXX or XXXX. I have accounts with two other major banks where I use XXXX and XXXX quite frequently and have never had this problem. Further, I have never reported any fraud issues on this account. I conduct the transactions from my home computer each time so there's no chance that this is being flagged because it's happening on a strange computer from a foreign country. I have elevated the issue three times to Chase 's customer service either by phone or in person at my local branch and each time I am told that this is a part of their normal fraud prevention practice. I find that hard to believe given that the other two banks I use for XXXX and XXXX, XXXX XXXX and XXXX XXXX, have never once done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XXXXXXXX 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 XXXXXX/XX/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 2024-12-30 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-30 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: TX

Complaint narrative:
I received 3 emails from Resurgent Capital Services stating I owed money to LVNV Funding LLC. The first email I got on XX/XX/year> threatened to turn my debt over to an attorney if I didn't respond within 12 weeks. The second 2 emails came on XX/XX/year> and XX/XX/year>, both provided links to settle my debt and/or set up a payment plan. I didn't see the first 2 emails due to the holidays and not regularly checking my email. I called Resurgent on XX/XX/year> and asked for more information about who this debt was owed to because I wasn't aware of any debts I had. The woman I spoke with asked for the last 4 digits of my social security number, how to spell my first name and my email address. Once I gave my email address the woman said the email was intended for someone with a similar name and not myself, she said she would remove my email address from the communication. I asked the for the name of the person it was intended for and she wouldn't tell me. This was very scary experience, I hope Resurgent Capital Services and LVNV Funding LLC are held accountable so it doesn't happen to others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I just found several inquiries from your company on my credit report, and Im beyond upset. I never authorized them, and now my credit score is taking a hit. This is directly affecting my ability to manage my finances, and Im tired of dealing with the fallout

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
My credit report shows Dept of Ed/AIDVANTAGE reported a debt, that I do not owe demonstrating a deceptive business practice. A second account is duplicating the same claim reported by US Dept of EdXXXX XXXX This debt is being disputed. The information being reported to the credit bureaus is inaccurate, incomplete, and unverifiable. They are duplicated claims for a debt not owed to them. These debt buyers are reporting and attempting to collect a debt not owed to them through deceptive business practices. As of today, they can not produce the original purchase agreement with my signatures. Please provide me with copies of the original sources for the items reported, this includes contracts or service agreements I signed ; any agreements that were signed by the debt buyer and original creditor XXXX, to include the amount the debt was purchased. If this information is not available, please note that the validity of the items can not be determined. The consumer reporting agency must correct or delete inaccurate, incomplete, or unverifiable information and remove the items from my credit history under the Fair Credit Reporting Act within 30 days. I have filed a complaint with the Federal Trade Commission Complaint No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: AL

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief