vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I got an email dated XX/XX/23 that didn't provide the required disclosures per 15 USC 1692g ( a ) and then when demanding verification I didn't get the 1692g ( b ) disclosures. The email purported the alleged debt buyer/collector to be the creditor and didn't comply with the FDCPA, in general. Because the account in question was allegedly subject to bankruptcy doesn't mean that the account was not in default when it was charged off and purportedly transferred makes Absolute Resolution Investments, LLC a debt collector subject to the FDCPA. The credit reporting does not reflect the dispute status and is thereby a violation of 15 USC 1692e ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I realized my address and phone number were incorrect on my Ally financial anuto loan account after a payment was made. I have absolutely no association with that address or phone number. I contacted them to correct the information and where this information was obtained it was not on my initial loan application and had not changed since then. 

This loan as initiated on XX/XX/XXXX, and the original loan application ( which I still have a copy of ) is all correct information, and auto debit was set up without issue 10 days after the loan was signed for. 

On XX/XX/XXXX, I received a notice on my credit report of a late payment from the payment that was returned by my bank and filed a dispute with the credit bureau and the lender. I have received no information, calls, emails, or written correspondence from them and have not received any resolution to the late payment/info dispute. 

Since then, the bank has been contacting my family by name, who have no association with the loan or any of my personal information and I have not given consent for them to be contacted on my behalf, as many as XXXX times per day requesting that they contact me or make the payment on my behalf ( which they have no legal basis to do, ask, or acknowledge my loan ). 

This includes a total of XXXX calls to a XXXX party regarding my loan on XXXX Sunday ( XX/XX/XXXX ). The times he was contacted was XXXX PT, XXXX PT, XXXX PT, and XXXX PT. Not only does the initial call they regularly make go against FDCPA regulations, theyve now started to contact and provide personal information and attempt to collect payment from them on a Holiday. Screen shots from the 3rd partys device have been added below to substantiate the time of these calls.

Lastly, the lender has made no attempt, despite my actionable contact and correcting the information on their online portal, to correct the information on my actual credit file, including the address, late payments, and cease contacting 3rd parties on behalf of my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a student checking account with Citizens Bank, I also have a debit card linked to this account. My current debit card is set to expire later this year, so I ordered a new one. When the debit card arrived to my house, it was accidentally sent to a family member who lives in XXXX, Pennsylvania. This family member mistook my debit card for their own and attempted to make deposits and withdrawals with an ATM using my new debit card. However, since this family member did not have my PIN number, they were unable to make a withdrawal or deposit. This family member then went to the local Citizens Bank branch to change the PIN number. Remember, this family member does not have their name on my account and is not an authorized user. The XXXX branch of Citizens Bank then changed the PIN number on my debit card. Remember, this authorization was completed without permission from an authorized member. After that, a deposit of {$150.00} was made on XX/XX/2024. Another deposit was made on XX/XX/2024. And a withdrawal of {$40.00} was made on XX/XX/2024. 

Upon realizing these unauthorized actions were taken, I took actions in my free time to ensure that all money was returned to their rightful owners. I also called my local branch of Citizens Bank to figure out what happened ( i.e., what is described above ) on XX/XX/XXXX and XX/XX/2024. I also requested that the new card be cancelled. The local bank confirmed that : XXXX. Several incorrect PIN attempts were made. 
XXXX. The PIN number was changed by the Citizens bank branch in XXXX, Pennsylvania at the request of an unauthorized member. 
XXXX. Several deposits and withdrawals were made by an unauthorized member.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion whats good. I pulled up my credit report and noticed some alarming details. Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX XXXXXXXX XXXX XXXX XXXX the late payments must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX XXXX XXXX XXXX XXXX and is to be expunged from the report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I've paid {$1200.00} a month to Truist bank via my credit union for quite some time now. The beginning of XXXX I checked my credit score through equifax like I normally do and find out my score dropped close to XXXX points. Truist bank reported me as past due on my XXXX and XXXX payments. I called them and they stated that I DID in fact make both payments of {$1200.00} but they were applied towards the principal only due to my monthly payment going up approximately {$80.00}. I paid them the difference to bring my account current and they supposedly fixed things. I checked my score about a week later and now my score is down another XXXX points to approximately XXXX after being well over XXXX. Truist said they never corrected the XXXX payment but they would take care of it this time. I've worked very hard to get my credit score above XXXX and have never paid Truist or anyone else late. It is absurd that my score gets ruined over less than {$200.00}. Perhaps I did miss the letter they sent out XX/XX/XXXX stating that my payment changed but I lost my job the end of last year and have been dealing with that. How about a simple email, text, or even a phone call/voice-mail telling me my payments were short?? I was not communicated with by Truist in any way regarding my payments being short or I would have gladly payed them the difference on the spot. I did request a dispute with Truist and they basically told me there is nothing they will do. Reminder ... .apparently this stays on my credit until XXXX. Not right, not fair, not cool. So I am treated as though I didn't make the payment at all? This bank is absolutely terrible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
This is additional information to go along with claim # XXXX. 

There were also fraudulent charges made on XXXX XXXX, which total {$6400.00}. These charges are shown on the attached file. 

The charges on XXXX XXXX were moved to our XXXX billing statement and removed from the recent charges screen, so I did not see them and thought they had been removed when I filed the previous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My phone was stolen on Friday XX/XX/year>. They hacked my phone and every account on it. They XXXX, XXXX XXXX, and XXXX XXXX thousandsbefore I caught it on Sunday. I went to the bank on Monday the XXXX and filled a claim. I made over ten trips to the bank and sat with a banker and the bank manager for a total of over 20 hours in two weeks filling claims. They denied all my claims saying it was online activity. They had access to all my accounts!! Since the denial, they have sent me to the escalation department as of last week and I have not been contacted. They even opened a checking and savings account under my name with the same bank. We changed the email and password. Thirty minutes after I left thet have changed my information again and I had to return to fix that also. Please 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 monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I got a credit report stating my verizon credit card was late on two payments. I have never opened a credit card with verizon. I am not sure who got access to my information but i assure you that credit card is not mine nor did i have knowledge of it being opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: VA

Complaint narrative:
ON XX/XX/year>, I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET I FEEL LIKE I'M BEING TAKEN ADVANTAGE OF AND BEING IGNORED FOR MY DISPUTES AND CONCERNS SECTION 611 ( A ) IT IS PLAINLY STATES THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED MY. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ON XX/XX/year>, I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET I FEEL LIKE I'M BEING TAKEN ADVANTAGE OF AND BEING IGNORED FOR MY DISPUTES AND CONCERNS SECTION 611 ( A ) IT IS PLAINLY STATES THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED MY. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to update/correct my personal information on file with your company. 

Please update my address ( XXXX XXXX XXXX, XXXX TN XXXX ) Please update my name ( XXXX XXXX ) My only social security number is ( XXXX ) My only correct date of birth is ( XXXX ) My only employer is ( XXXX XXXX XXXX XXXX My only salary amount is ( {$65000.00} annually ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the US post office and they are not reportable as per the FCRA, since they are 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to update/correct my personal information on file with your company. 

Please update my address ( XXXX XXXX XXXX, XXXX TN XXXX ) Please update my name ( XXXX XXXX ) My only social security number is ( XXXX ) My only correct date of birth is ( XXXX ) My only employer is ( XXXX XXXX XXXX XXXX My only salary amount is ( {$65000.00} annually ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the US post office and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Universal Commercial Capital. Inc
State: CA

Complaint narrative:
In XXXX of 2023 I was behind on my mortgage. I was approached by Universal commercial capitalXXXX XXXX XXXX XXXX XXXX They offered to help me save my home at no cost to me. At the time I was behind about XXXX. and my mortgage payment was {$1100.00}. Within weeks they had me meet a notary at XXXX in XXXX to sign papers. Nothing was explained all I was told is sign here and here and that they would save my home and refinance my loan. The amount of the loan was not disclosed the payment was not the disclosed the fees they charged were also not disclosed. No copies of the paperwork I signed were provided until my grand daughter got involved and requested the paperwork at that time is when I found out they refinanced my entire loan for $ XXXX my mortgage payment went from {$1100.00} to {$3500.00}. They charged an outrages $ XXXX for loan fees and 12 months of mortgage payments advanced to the investor who lend the money. As my grand daughter researched further the originator on the loan application does not have the proper endorsement or license to do loans in ca and the # 's used on the application belong to someone else they also added a XXXX per the NMLs their licenses do not have a XXXX. They also did the loan as if my property was a rental I survive on {$1600.00}. they disclosed I rent my property and have an income of {$8500.00} all respa violations. It was my primary residence and I was forced to sell as they put me me I a worse situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX my rights. 

15 U.S.C 1681 section 602A. States I have the 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