vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CHOICE CAPITAL FUND
State: FL

Complaint narrative:
I took out a loan on XXXX XXXX the amount was {$400.00} I was able to make two payments the first payment was {$57.00} and the second payment was {$28.00} on Friday. On XX/XX/XXXX I reached out via the consumer finance protection bureau explaining my situation. I received a response from XXXX XXXX XXXX on XX/XX/XXXX telling me to take the time I need on my finances. And to reach out at my convienience. I got an email from the loan smith on XXXX XXXX telling me that my account is past due i sent an email to XXXX XXXX on XXXX XXXX. And I attached the email and I explained the situation stating that I did get my debit card but I had to cover other debts. And explained that I needed more time. I havent received a response and I even called and left a voicemail I did not receive a response. To this date I have not received a email or a call back. Today on XX/XX/XXXX I received an email from the loansmith saying to settle for 25 % and the email says to take action or else I will go into collections. I do not like being threatened and this company takes advantage and preys on the vulnerable. I am on a fixed income and I am barely making it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-22 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: TX

Complaint narrative:
I have reached out numerous of times to Equifax, due to an inaccurate account reporting on my consumer report which is listed below. I requested that they re-investigate and they have failed to verify this account and did not provide me documents to prove this account belongs to me. I do not recall this account at all and it has been reporting on my consumer report since XX/XX/XXXX. 

For my understanding, 15 U.S.C. sec 1681i ( a ), you must complete this re-investigation within the receipt of the original request, and if it is not done, the information should be deleted immediately. Well this was not done and Equifax did not comply, so I am asking for you to assist me in this matter.

Account Name : Not listed on my consumer report ( charter communications after research ) Charged off closed on XX/XX/XXXX Account Number : XXXX Amount of {$790.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX was opened in XX/XX/XXXX and closed around XX/XX/XXXX. This account has been paid in full but it is still being reported to my credit. This account should have been deleted from my credit profile. 



Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX was opened in XX/XX/XXXX and closed around XX/XX/XXXX. This account has been paid in full but it is still being reported to my credit. This account should have been deleted from my credit profile. 



Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX paid my mortgage XXXX through XX/XX/XXXX and XXXX through XX/XX/XXXX. This was based on what my mortgage provider 21st Mortgage, provided to XXXX. 

Somehow, the XXXX payment was missed. On XX/XX/XXXX, I sent an email to XXXX after I spoke to XXXX. I advised XXXX they had to send a message to TXHAF to request payment for XXXX. 

Only today, XX/XX/XXXX, XXXX informed me that they need a new payment case from XXXX. XXXX refuses to take any further action. 

NOTE : XXXX obtained the amount for payments directly from XXXX Mortgage, not from me. XXXX was supposed to care for payments from XXXX through XX/XX/XXXX. I was responsible for XXXX, XXXX and XXXX. 

XXXX has opened XXXX inquiries on their side, but I am not aware of any further actions yet. However, I am grateful that they paid most of XXXX for me. Their agents have been consistently kind and helpful. 

I need help. I can't lose my home. I have nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
XXXX account reporting information that's illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report. any and all negative, unauthorized transactions. that don't match my signature I am attaching XXXX that I equal facts has admitted that I was in fact affected of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit Report. Space list all these negative accounts from my Equifax credit report account names and account numbers and you complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
From the XXXX XXXX of XXXX I have received over 15 calls total in one week to 2 different # s. The company, FCO, has a debt that belongs to XXXX XXXX and has had prior conversations with me regarding this debt. I was removed 6 months into a 24 month lease and have paperwork that should have been provided to them by XXXX XXXX XXXX XXXX XXXX  ) saying as such. I have attempted to call the original creditor and get sent to voicemail repeatedly. No one has responded to me in regards to why they will not look at the paperwork and FCO is dialing MORE than the 7 dials per consumer in 7 days rule.

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 2024-01-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have banked with USAA bank for 8 years and recently held a payroll check that I deposited into the account with no explanation. it didn't violate any deposit limits my account was in the positive, but they held the money for a few days for no explanation. during the next pay cycle my account dipped into the negative, I then received my pay which covered the negative balance and had the rest of my pay to get me to my next payday. USAA decided to hold my entire balance for not only the amount the was negative but the entire balance of my entire check which isn't available for 7 days. This has caused numerous issues without being able to access my money unable to put gas in my car to get to work or pay my bills which only hurts me as the consumer more than I already am. I have called USAA and they have not given a reason for holding my account just that they can try to file an appeal to get my money released sooner. I didn't get a yes or no answer just they would ask. I now have no access to any of my money to pay bills or anything and don't have access to my own payroll check until a week after it was deposited.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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: NY

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : -- XXXX XXXXTransUnion 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 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 2024-01-22 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: FL

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.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/year>, I filed a complaint regarding an additional credit line opened under my US Bank account profile, from which the bank deducted payments. Unaware that this credit card was distinct from the one I originally applied for, I continued making payments until the amount changed. Upon contacting the bank, I discovered that the credit in question was not opened by me. 

Learning of the fraudulent activity and realizing I had unwittingly made payments on this unauthorized card, I contacted the bank, requesting confirmation of whether the card was legitimately opened by me. The bank failed to address my concern, prompting me to cease all payments to the card. 

Following my request for the bank to provide evidence, they began reporting the account as delinquent on my credit report. Despite reaching out to XXXX and alerting them to the situation, the bank chose to close the account and report late payments on my credit history. After XXXX contacted the bank, they opted to charge off the account, dismissing my request for evidence. 

In the complaint submitted in XXXX, the bank once again disregarded my request for proof of my involvement in opening the credit card. Instead, they asserted that the card was sent to my address and used in my area of residence, deeming it a valid card. 

Attached is evidence of an address on my credit report linked to the credit card in question. The bank confirmed that this was the address used to open the account in XX/XX/year> when challenged on the legitimacy of the account. I am once again urging the bank to thoroughly review its records, rectify the presence of this fraudulent credit card on my report, and expunge it. Additionally, I insist the bank provide the requested evidence should they continue to assert the account 's legitimate opening by me. 

The attached address is not my address below on my credit report which is now deleted by XXXX is not mine : XXXX XXXX # XXXX XXXX XXXX, CA XXXX and evidently shows the account was opened with the wrong address and shows the cards were sent to an address other than mine.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
In XXXX XXXX   I was renting with XXXX XXXX XXXX XXXX XXXX When my lease was about to expire, I sent them an email informing them of my intention not to renew the lease after expiration. They informed me to use the apartment portal to convey such information which I did. They asked me to submit the apartment keys by XXXX XXXX on XX/XX/XXXX to which I complied. 

In XXXX XXXX I received a bill for rent payment for XXXX and XXXX and I went to the office to complain about being billed while no longer living in the apartment. At the time, there was no manager in the office and the office clerk called someone on the phone about my case. After being on the phone with the person for several minutes, the clerk informed me they were going to take of it and inform me of the difference I have to pay for utilities. 

I did not get any communication from them and after several months had passed, I called the office but no response. When I stopped by the office, it was closed. I did not hear from this office until I got a call from Hunter Warfield about a debt I owed. When I inquired about the source of the debt, they informed me it was from XXXX XXXX 

I went back to the office to discuss the issue with the then-apartment manager but I was not given access : the office XXXX said he was busy in a meeting. She requested to take my complaint and promised she was going to share it with the manager so that they could work on it. They never got back to me and they were not responding to my phone calls. 

Now Hunter Warfield has added this debt to my credit information and this is hurting my credit score. I have attached the purported bills and other information for your perusal. I will be grateful for your intervention

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by TransUnion, XXXX, and XXXX on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by TransUnion, XXXX, and XXXX. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that TransUnion, XXXX, and XXXX have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights.

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold TransUnion, XXXX, and XXXX accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon TransUnion, XXXX, and XXXX for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts : XXXX XXXX XXXX XXXX Reporting inaccurately- Please Delete XXXX XXXX  Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX  Reporting inaccurately- Please delete XXXX XXXX XXXX XXXXXXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX  Reporting inaccurately XXXX XXXX XXXX  {$200.00} Reporting inaccurately

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, XXXX phone was stolen and the thieves were able to access my online banking and gmail. I called Wells Fargo first thing the next day and asked to have my online access XXXX. When I started receiving overdraft notifications I visited XXXX at my XXXX XXXX branch and learned that access was never XXXX. Multiple money transfers were made as well as a XXXX fraudulent check being deposited. Wells Fargo made it impossible to open a new account by reporting me to XXXX XXXX. Despite multiple attempts by XXXX, the personal banker, nothing has been done to help me.

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