vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Elite Financial Services, Inc.
State: VA

Complaint narrative:
Due to unforeseen circumstances, I found myself in need of a XXXX XXXX title loan that was acquired in XXXX. By XXXX, my car was repossessed due to non-payment of the title loan within 45 days. During this period, I was transitioning between residences and faced challenges like misplacing my phone. Despite the lender 's claim of attempting contact through emails, mailing addresses, and phone calls, I regrettably never received any messages. They also mentioned reaching out to my references, who, to my surprise, never informed me about any communication attempts. 

The sudden repossession of my car left me in a state of urgency. Initially informed of an amount around {$1000.00}, which I managed to gather promptly, I later discovered that the outstanding sum had escalated to {$1900.00} within a day. Unable to meet such a steep demand, I inquired about refinancing or adjusting the loan terms, only to face refusal and a lack of transparency from the lender. Consequently, my vehicle was sold, exacerbating my hardships and leading to the threat of eviction. 

The absence of my primary mode of transportation has substantially impacted my work commute, further straining my financial stability. Despite my willingness to honor even a reduced monthly payment of {$62.00} or receive adequate communication regarding the loan default, I have been left in a distressing and uncertain situation. It is imperative that my rights as a borrower are upheld, and I seek fair treatment and resolution in this matter.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have an account on my credit from Jefferson Capital Systems for a XXXX bill. I have not had XXXX since XXXX. I have been trying to take care of this for literally years. We changed phone carriers and I sent back the only phone that was leased in a package that they sent me. They still want to collect for phone even though they acknowledge they received it. I have spent countless hours trying to take care of this and they sent it to collections a couple years ago anyway. I dont feel like I should be extorted so I was just going to let it hang out on collection and let it drop off. XXXX must have decided to change collection carriers to Jefferson Capital Systems. I was not notified or given my 30 days from them. They decided that they would put this on my credit as a brand new debt! Therefore it started process and hurting my credit all over again 6 years later. I would appreciate any help you can give me. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
The accounts listed below are a result of identity theft. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately FTC report filed on XX/XX/XXXX Dispute letters mailed out to Experian I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
hi i opened an account on XX/XX/year> with a promo code of XXXX and fulfilled the requirements. they didn't give me the {$400.00} that i was supposed to get. i called up on XX/XX/year> and they filed an request form and told me i should hear back within 14 days. 
i called up again today XX/XX/year> and they told me to keep waiting. 
my account number is XXXX name XXXX XXXX bank truist

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024 wire transfer Fraud amount of {$37000.00} was canceled by me due to XXXX XXXX scam, but Bank of America was unable to cancel the wire transfer. I contacted the fraud department and spend 2 hours explaining my scam on the phone to Bank of America Scam department. on XX/XX/XXXX XXXX, I received an email from Bank of America fraud department to sign and return the enclosed Scam Victim Acknowledgment to help me recover my fund. Bank of America fraud department created a claim # XXXX. The scammer account was in XXXX XXXX XXXX XXXX, so I traveled to XXXX and I went to XXXX XXXX XXXX XXXX, and met with Branch Manager XXXX XXXX XXXX ph # XXXX ( XXXX ) XXXX XXXX XXXX and mobile # XXXX ( XXXX ) XXXX XXXX XXXX, Email " XXXX, according to the Branch manager , XXXX XXXX XXXX XXXX  sent communication in regard to this scam to Bank of America and I need to check with Bank of America the status of the wire transfer scam. I contacted Bank of America to figure out the status, I was told by Bank of America representative that there is a new case # for my fraud which is " XXXX has been assigned to this case and I should call this PH # XXXX Option 2, 2, 2 and give them the new case # to find the status of the wire transfer fraud. I contacted Bank of America and they were unable to get in touch with Fraud department and kept getting the run around, check with other department. Finally XXXX XXXX Bank of America " Financial Center Manager '' told me that she sent the following message to help resolve the case : Text Message : Client was a victim of scam. requesting return of wire. client traveled to XXXX and met with branch manager of XXXX XXXX XXXX XXXX XXXX . Recipient is not legitimately entitled to these funds. Confirmed fraud with a claim in progress through Bank of America. Claim # XXXX & XXXX. 

So far Bank of America is keep giving me the run around and most of the time they don't answer the phone and they are not able to retrieve the case itself. in conclusion, Bank of America Fraud Department has the worst communication and every department push you to other department and no one try to help old people getting scammed on line. Bank of America refuses to answer their phone numbers provided on the client debit and credit card and pushes clients to use online services and they help scammers abuse online services and ruin people life.

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 2024-07-09 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: MD

Complaint narrative:
Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have requested documents regrading alleged debt XX/XX/year>, XX/XX/XXXX and last letter sent XX/XX/year> requested history of payments and how paid requested a copy of contract with signature of the person who guarantee debt i request insurance claim information that was claimed in this debt i requested copy of chain of title from them that if they were not original creditor showing they have title to collect i asked them to remove information off all three reports they are reporting the same debt 3 times caused a spike in my score they reported LVNV a debt for {$1100.00} {$1400.00} same acct information they just posted twice in my report they reported under Resurgent a debt for {$1100.00} this is the same company LVMV and Resurgent same company reporting on my credit report multiple times caused me three drops in my score Thats illegal, all they did was put different dates they claim i open acct with them and posting to my report as if i am in a contract with them listing monthly payments i have no knowledge abt as if its a active acct they have caused me so much trouble and denials I asked the credit bureau to remove and filed disputes they just said investigation closed without any proof Ignored my request as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
XXXX, XXXX and Experian are reporting the wrong loan amount for XXXX XXXX loans. They are reporting {$15000.00} when XXXX keeps sending me statements advising that the loan amount is {$11000.00}.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate credit reports are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases.

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 2024-07-09 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: TN

Complaint narrative:
On XX/XX/year> I filed a complaint against TransUnion. As of three days ago XX/XX/year> my credit score dropped XXXX points for absolutely no reason. It says that the only thing that changed was that j paid an account off. So thsg should raise it. Ever since I filed the initial complaint against TransUnion they have dropped my credit score week to week to almost XXXX points. There has been no reason for this. This is being done out of retaliation. When I called the agent said that there have been several investigations regarding my account but it does not change anything and the score is changed by a computerized system whether its wrong or right they do not have the ability to change anything.

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 2024-07-09 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: PA

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

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 2024-07-09 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: PA

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

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 2024-07-09 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

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