vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I checked my credit score on XX/XX/2024 using XXXX 's credit score system and I notice that my score had a drastic drop but I do not recall any late payment for any accounts. I had this happen to me last year in XXXX with the same issue as well. When I requested a credit report from XXXX I saw this account that I have no knowledge of under adverse account. The account was for SUNRISE CREDIT SERVICES XXXX with a balance of {$600.00} with the original creditor being XXXX I already filed an account dispute with XXXX and believe this might potentially be action made by someone impersonating 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
Consumer complaint received 2024-03-07 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: VA

Complaint narrative:
This personal information must be corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I checked my bank account on the morning of XX/XX/XXXX and found I was - {$600.00} dollars. 

These charges had to have happened between XX/XX/XXXX and XX/XX/XXXX XXXX fraudulent charges for places I've never been or heard of. 

1 charge for {$230.00} dollars at a XXXX XXXX 1 more charge for {$230.00} at a XXXX  XXXX Then {$100.00} at a XXXX XXXX XXXX in XXXX, California. 

I live in XXXX, Ohio. 

I called my bank and the said it will take 2 weeks to refund and get a new card. I just got my direct deposit from work and still did not come back from being negative. 

I'm not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: LA

Complaint narrative:
I have credit inquiries that I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: WV

Complaint narrative:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX. 
I have disputed these fraudelent credit inquiries multiple times Equifax blatantly ignored my multiple dispute letters asking them to investigate and remove these inquiries. This is a violation of my rights under the Fair Credit Reporting Act, 15 U.S. Code 1679c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
I found XXXX, XXXX in unauthorized transactions on my account activity log. I went to them and so far nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Gentlemen, Last XXXX, my book keeper contacted me regarding some unauthorized ACH withdrawals ( in total {$3000.00} ) being taken from my business account. I contacted my banker, XXXX XXXX at Truist XXXX XXXX. XXXX looked at the withdrawals, and agreed we needed to close the account as it had been compromised by fraudulent activity. We proceeded to close that account and open another, and he assured me that the fraudulently transferred funds would be refunded. 
In mid XXXX, I received notice from Truist that they were denying my claim. No reason was given. I contacted XXXX XXXX again, and he said he would find out what was happening. I have been calling and emailing XXXX since XXXX trying to get this resolved. XXXX keeps telling me that " the case has been escalated ''. I finally received a phone call today from the " escalation division '' of Trust who just repeated the denial of claim, with no reason being given.

It's my understanding that if I have funds deposited in a bank, I have to authorize any access to those funds. I DID NOT authorize these ACH withdrawals.

I have reached the end of my patience with Truist and their non-communication. 
Please see what can be done. If funds are not secure in a large NC bank, the public needs to be aware. 
Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Contact for XXXX XXXX at Truist : 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 2024-03-07 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: NM

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.

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 2024-03-07 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: NM

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There is a prepay penalty for paying off loan early. I have paid the XXXX required payments and now they are forcing me to wait till after XX/XX/XXXX to request a payoff this forcing me to pay extra interest

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2024-03-07 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: NM

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.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XXXX XX/XX/XXXX LVNV c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Dear LVNV, Following my recent dispute regarding a different matter, I am writing to dispute another debt you have recorded under my name, specifically XXXX amounting to {$560.00} with an opening date of XX/XX/XXXX. I challenge the validity of this debt and require detailed verification from your agency in compliance with federal law. 

**Specific Dispute and Requests** : - **Disputed Debt Details** : - This dispute concerns the debt amounting to {$560.00}, opened on XX/XX/XXXX. I question the accuracy of this debt 's reporting and the lack of clear communication regarding its origin and validity. 

- **Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : - An adequate opportunity to dispute this specific debt has not been provided, a right that is safeguarded by federal regulations.

- **Requirement for Proof of Debt and Certified Mail Receipt ( 12 CFR 1006 ) ** : - For this debt, I request proof of the original creditor 's details, the exact amount owed, any agreement that bears my signature, and evidence of certified mail delivery that I personally signed.

- **Misrepresentation and Deceptive Practices** : - Employing any misleading, deceptive, or false tactics in attempts to collect this debt would be in violation of the principles of fair debt collection.

- **Unauthorized Reporting without Adequate Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) ** : - The reporting of this disputed debt to credit bureaus without providing required legal disclosures and without accurate verification is a grave violation of federal laws and my consumer rights.

**Immediate Demands** : - **Comprehensive Verification of the Debt** : I demand a detailed verification of the disputed debt, including all relevant documentation that substantiates your claim to its validity.

- **Cease of Collection and Reporting Activities** : All collection activities and reporting of this debt to credit bureaus must be halted until the dispute is adequately resolved and the debt is verified as per legal standards. 

I anticipate a detailed response within XXXX  days of receipt of this letter, including the provision of all requested documentation and a resolution to this dispute. Failure to comply will compel me to take further actions, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice to protect my rights.

This letter is also being filed with the CFPB to ensure that my dispute is officially documented and to request their assistance in ensuring compliance with applicable laws and regulations.

Thank you for your prompt and thorough attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: AP

Complaint narrative:
on XXXX XX/XX/year> I was offered a what seem to be a reasonable job opportunity from a spouse on our military  XXXX page and proceeded to ask about details and job description and they had sent me a link to talk to a potential hiring manager for a company called XXXX a man named XXXX XXXX he proceeded to talk to me about the job description requirements and what I would potentially be doing for the company and proceeded to ask for basic information of myself as part of the hiring process sent me a questionnaire of the job that looked like what they wanted the requirements I believe I as they had asked for a copy of my drivers license and social security number to verify my identification using ID XXXX as well as my banking information and told me that I was to send them an amount of {$650.00} to XXXX separate XXXX accounts to a XXXX XXXX ( email XXXX ) and a XXXX XXXX phone number XXXX in order to start the payroll process and get a G.I. tracker in payroll as an employee and once the money was sent, I have not heard anything back and was blocked from the lady herself on what was going on and what happened and the person XXXX has also yet to respond to me about the money he has taken for me and I believe I was scammed along with my identity being potentially stolen for their 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
Consumer complaint received 2024-03-08 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: AP

Complaint narrative:
on XXXX XX/XX/2024 I was offered a what seem to be a reasonable job opportunity from a spouse on our military XXXX page and proceeded to ask about details and job description and they had sent me a link to talk to a potential hiring manager for a company called XXXX a man named XXXX XXXX he proceeded to talk to me about the job description requirements and what I would potentially be doing for the company and proceeded to ask for basic information of myself as part of the hiring process sent me a questionnaire of the job that looked like what they wanted the requirements I believe I as they had asked for a copy of my drivers license and social security number to verify my identification using ID XXXX as well as my banking information and told me that I was to send them an amount of {$650.00} to XXXX separate XXXX accounts to a XXXX XXXX ( email XXXX ) and a XXXX XXXX phone number XXXX in order to start the payroll process and get a G.I. tracker in payroll as an employee and once the money was sent, I have not heard anything back and was blocked from the lady herself on what was going on and what happened and the person XXXX has also yet to respond to me about the money he has taken for me and I believe I was scammed along with my identity being potentially stolen for their use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: MI

Complaint narrative:
In late XXXX or early XXXX, my student loans transferred from one loan servicer - XXXX, to a new loan servicer - XXXX. However, after many disputes with credit bureau, Experian, multiple calls to XXXX, as well as XXXX and Dept of Education, my student loans are still showing open with a balance with XXXX, which is incorrect. Both XXXX and XXXX are correctly reporting on my XXXX accounts as " closed, transferred to another servicer '', but Experian is having trouble confirming this with XXXX. Due to this issue my student loan balance on my Experian report is reflecting {$150000.00}, when the correct amount is only {$80000.00} in which I am currently making payment on. 

I've submitted disputes with Experian, per XXXX 's direction on the following dates, all resulting in the same result of the loans still showing open with balances : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - provided very detailed information, including a loan summary from my XXXX account, showing a {$0.00} balance. 

As I already briefly mentioned, since late XXXX I have made countless calls to XXXX, XXXX, Department of Education, and Experian to try and resolve this issue. This is causing a hinderance in purchasing a home for my family.

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 2024-03-07 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: OR

Complaint narrative:
It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.

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 2024-03-07 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: LA

Complaint narrative:
I have credit inquiries that I do not recognize. 
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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have credit inquiries that I do not recognize. 
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 2024-03-07 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: NC

Complaint narrative:
I have submitted multiple disputes and FTC report regarding this fraudulent item ( XXXX XXXX ) on my credit report that dont belong to me. I do not have a record of doing business with this company. I'm reaching out regarding this fraudulent item and for assistance to remove it from my credit report immediately. This account is not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation