vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I got this loan because I was going through a financial hardship it was XXXX I couldn't pay it the company reported to credit bureau with incorrect information I did dispute it they denied sending me paperwork they wrote off as a charge off I never received a letter or 1099c to add to my taxes I continue calling the company and location where debt is from and they told me I need to call another company they sold it to and I call them and they know nothing about my debt they are committing fraud for selling my information and refuse to send me 1099C they charged off the amount {$680.00} my loan was {$250.00}. I need this removed off my credit for noncompliance of the 3rd party company. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Sc XXXX acct number ( as listed on XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A scammer posed as XXXX XXXX XXXX and had me balancing fake finance reports sent me money to send to vendors but this recent check just bounced and I called my bank to report the scam and they offered a wait but that Id have to pay off the fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/year> I myself and co-signer, agreed and signed into a 12 month rental contract with XXXX XXXX. We were given a code over the phone after we signed the documents and paid security deposit via docs signed. Upon entering the property on XX/XX/XXXX we were surprised to learned that the home was not safe, unhealthy, had XXXX  problems, XXXX  issues and was considered inhabitable due to XXXX  as well. We tried to contact the agent who helped us she disappeared on us. The property management was no helped as well and as well as the landlord and was not successful because we were rented by a false agent and no one was able to break the lease term or deal with the issues we faced. On XX/XX/XXXX I file a 7 days noticed to cure to the registered agent of the property, followed by a vacate noticed after i contacted the City of XXXX and legal aid for help. the city compliant officers came to the property to do a inspection and determined the home was indeed XXXX. I was advised by legal aid to evacuated the property by XX/XX/XXXX. I evacuated earlier due to a XXXX XXXX  and XXXX XXXX XXXX XXXX  that put us in danger. and the city had to turn off both water and power. I was served court documents for eviction after I moved out a month later. I went to court and found out the case was dismissed by the property owner right after they filed. I never received back my security deposit 0f {$3000.00}. I now received a letter from a debt collector stating me and my co-signer owes {$15000.00} to nation credit system INC. for the same property, and this is affected both our credits negatively. The lease agreement was terminated under Florida statue 83.201 landlord failed to repair property and tenant had to voluntarily evacuate and break the lease for safety and inhabitable reasons including withholding rent. I'm asking to have this collection stop immediately, and this debt on filed be removed and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: NC

Complaint narrative:
I am requesting a copy of the arbitration agreement for my personal and business checking accounts. 

I am also requesting documentation for the placement of this account with Tek-Collect to confirm the balance and account details that Tek-Collect is attempting to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
Please remove these inquires from my credit report. There are four inquires that needs to be removed. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
There are 3 accounts being reported on my credit that are not mine, therefore I had an identity theft and the bureaus have not shown me through documents signed by me that those accounts are mine, these are the following : 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 XXXXXX/XX/year> I have previously sent letters to the bureaus without any response. 

Thank you for your patience and I would appreciate your help.

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 2024-09-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I filed an insurance claim ( # XXXX ) with XXXX  XXXX XXXX through XXXX. XXXX operates as the processes for the credit card benefits provided by my BILT card from Wells Fargo. Ultimately, XXXX  XXXX XXXX denied my claim despite it meeting all of the requirements under the " XXXX XXXX XXXX '' product. The date of loss was XX/XX/2024. The quote I received from XXXX for repairing the device is {$490.00}. The reason provided for denying the claim was " The monthly wireless bill for the month immediately preceding your date of loss was not paid using your covered card. '' However, this is false. Reviewing the XXXX Bill from XXXX, it clearly indicates the monthly charge for this device 's mobile line was {$85.00}. There is a corresponding payment to XXXX in that amount for XXXX and XXXX. I also received confirmation that the amount was paid for those months which included the last 4 digits of the payment method. I've attached all of these items to this complaint.

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 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX  bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15
U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have called, and e mailed bank of americas compliance department regarding my account and funds that were deposited are from my long term XXXX, and funds from my IRA all of which Bank of America has been aware that I am exempt from such garnishments because I am XXXX and these funds have been deposited by XXXX my long term XXXX company. They also terminated my bill pay portal, and keep charging me NSF fees! Please stop this bank they are retaliating against me because I have filed in federal court an employment XXXX discrimination case against 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 monetary relief
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
This request is a time sensitive matter before submit to XX/XX/XXXX. XXXX XXXX  had frozen PA unemployment compensation checks during the XXXX  XXXX, XXXX to XXXX. A remediation is underway for a refund to the affected including myself. I supported myself and others using my savings account. I also transferred money by Western Union in that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MN

Complaint narrative:
TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/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 Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX XXXX XXXXXXXX account. It between the thousands of emails I did notice one from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My credit score plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by 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 2024-09-05 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: NH

Complaint narrative:
On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX XXXX XXXXXXXX account. It between the XXXX  of emails I did notice one from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My credit score plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX  XXXX XXXX account. It between the XXXX  of emails I did notice XXXX from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My XXXX XXXX plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
Please remove these inquires from my credit report. There are four inquires that needs to be removed. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry 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 explanation
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
I have no connection to these inquiries or the creditors listed.

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 2024-09-05 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: WA

Complaint narrative:
Transunion has information that is over a year out of date. They have had an $ XXXX car loan that was paid off 8 months ago still tied to my account, say it's delinquent and have been tanking my fico score. Most days of the month their website is down so they can't process disputes.They also sold my personal information and now since opening an account with them I get scam emails for services and products I do not use!

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