vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), noconsumer reporting agency may make any consumer reporting containing any of the following items of information : ( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Aperson shall not furnish any information relating to aconsumer anyconsumer reporting agency if the person knows or hasreasonable cause to believe that the information is inaccurate.

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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Initial notice was sent XX/XX/year> for the amount of {$360000.00} company has not responded to my initial notice that was sent inquiring about the reporting of the loan on the credit file without the written or verbal consent of the consumer of the loan, as well as the consumer exercising their right to opt out of secondary reporting agencies. The company has not responded nor taken any steps to resolve the dispute.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CAPITAL ONE
01/20/2024, 03/20/2023	

CAPITAL ONE VIA DEALER
10/21/2023	

FIRST PREMIER BANK
05/18/2023	

FOURSIGHT CAPITAL LLC
01/09/2023	

FLAGSHIP CREDIT ACCEPTANC
01/09/2023	

CAPITAL ONE VIA DEALER
01/09/2023	

NCCJACKSONVILLE CDJR ATL
01/09/2023	

JAGUAR LAND ROVER JA via NCCJAGUAR LR JACKSON
01/05/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, my wife and I were on the last steps to purchase a home. Basically we were waiting on the wire instructions from the home loan company. We spoke to our realtor that we hadnt gotten anything yet and they mentioned that we would get an email from XXXX XXXX within a day or XXXX. A day later we got the email with the instructions and an account and routing number to send the money to. The account was linked to Truist Bank. We sent a wire {$22000.00} on Friday, XX/XX/XXXX XXXX and on Monday XX/XX/XXXX we got a call from our realtor asking us if we had sent the funds because the title company was still waiting on it to finalize the loan and we said that we sent them on Friday. So the title company double checked and came to the conclusion that we sent the funds to a scam account. We acted right away by calling Truist, the bank that the funds went to, our bank, XXXX XXXX, the FBI, and also filed a claim on XXXX. I explained what had happened to a Truist associate, after some time speaking to each other, they said that they would send the money back but before they do that, they advised me that i needed to have my bank initiate a wire recall so they can send the funds back. So I called my bank and told them exactly that and they told me that they were going to start an investigation and submit the recall. A few more days passed by and we got a notice on the mail from XXXX XXXX saying that our claim got denied and that they cant get the funds back because Truist refused to give them back. So i called Truist again and mentioned that to them and they said to me that they cant give me any information. Till this day, weve called XXXX XXXX to ask how the investigation is going and they keep saying that Truist is unwilling to cooperate.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MD

Complaint narrative:
On XX/XX/year>, I made two separate payments of {$1000.00} each, totaling {$2100.00}. These payments were successfully processed by my bank. However, upon reviewing my account history, I discovered that only {$1900.00} of this amount was applied to my account balance, leaving a discrepancy of {$170.00}. Additionally, my account history shows multiple reversals and reapplications of payments that have not been adequately explained. 

Steps Taken to Resolve the Issue : Initial Contact : I reported the discrepancy to Edfinancial Services in early XX/XX/year> via email and provided details of the payments, including the amounts, dates, and confirmation from my bank. 
Follow-Up Communications : I exchanged several emails with Edfinancial representatives ( including XXXX, XXXX, and XXXX ) requesting a detailed breakdown of how my payments were applied and an explanation for the missing amount. 
Proof of Payment Submitted : Despite confirming the payments with my bank, I offered to provide documentation of the transactions, but no concrete resolution has been provided. 
Escalation Requests : I explicitly requested that the issue be escalated to management or the appropriate department. However, I continue to receive vague responses or instructions to wait for reviews that yield no progress. 
Lack of Resolution and Impact on Me : Despite repeated attempts to resolve this issue over the past three months, Edfinancial has failed to : Provide a clear explanation for the missing {$170.00}. 
Ensure that my payments have been applied correctly to my account. 
Guarantee that future payments will be processed accurately. 
This unresolved issue has caused significant frustration and distrust in Edfinancials ability to manage my account effectively. Additionally, I have withheld further payments until this matter is resolved, which could negatively impact my credit and loan standing if not addressed promptly.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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: Experian Information Solutions 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 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: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Promissory Note, Account XXXX Payment Schedule XXXX payments of {$220.00} 1st payment due XX/XX/XXXX Final Payment XX/XX/XXXX This is unpaid on my Credit Reports and I paid as agreed .... 

I made all payments to XXXX  on time, have payment documentation from XXXX and copies of my bank statements with payments made ... .Did not miss a payment... 

My calls to XXXX, and my proof of payments are not accepted -- ( even the payments they received and cashed ) -- they want a document from me that says Paid In Full..This should have come from them ... .My calls to XXXX and XXXX are XXXX -- XXXX  to me, sleeplessness and inability to further my financial situation. 
-- They have this on my credit reports, -- had a Court Date without me. they got money from me that paid this in full, as agreed to... did not miss a date -- they have this with the Collection Agency Resurgent Help, I am XXXX old, on Social Security but not Brain Dead!!!!

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 information incorrect
Company: EQUIFAX, 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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: AZ

Complaint narrative:
We DO NOT OWE the reported balance of {$400000.00} and the principal balance of Mortgage has not increased. The continued reporting of this FALSE INFORMATION is damaging the consumer credit rating. Resulting in the diminution of credit scores and the increased cost of money in day-to-day living. 

Claimant : XXXX XXXX, as Servicer is reporting. 
Account Number : XXXX Type : Mortgage Loan Amount alleged : {$400000.00} ( INCORRECT ) : {$400000.00} ( CORRECT ) o Amount reported appears as increased balance from the previous month. 
Monthly Payment : {$2200.00} ( INCORRECT ) : {$1800.00} ( CORRECT FIXED RATE LOAN ). 

o The agreed debt obligation is a fixed rate mortgage loan for 30 years. 
{$830.00} Principal 1021.32 Interest o NOTE : Escrow payments are not part of the Real Property Debt Obligation to the Creditor and is a voluntary act on the part of the Mortgagor. Therefore, the use of escrow payments into a loan balance reporting creates the illusion of the loan balance increasing. this false increase creates a false credit image in the Real Estate Loan dynamic.

I have a " FIXED RATE MORTGAGE 30 YEARS '' and have not missed a payment.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX " Two '' Hard Inquries, ..please remove!. 

I have no knowledge of these accounts, ..and they are no attached to any open accounts. 

Thanks.!

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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX and again on XXXX XXXX, XXXX  I requested a wire of funds from my Synchrony savings account to a third party checking account i own. Instead, I was told that wire team and services were only available if I held on the phone for several hours minimum and could be at least one full day.

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 information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There was an issue with my address on my nordstrum credit card account, causing my card and statements to go undelivered. We have finally resolved the issue please update records and remove late payments.

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 information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There was an issue with my address on my nordstrum credit card account, causing my card and statements to go undelivered. We have finally resolved the issue please update records and remove late payments.

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