vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: IL

Complaint narrative:
I am filing this complaint against Credit Control , LLC, a debt collection agency, for their failure to validate two debts they claim I owe to XXXX XXXX XXXXXXXX, as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Despite my formal validation request, Credit Control responded that they could not validate the debts and confirmed they no longer manage the accounts. This failure to validate violates the FDCPA and has resulted in unverifiable information being reported to the credit bureaus, causing ongoing harm to my credit history, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

Details of the Complaint Debt Validation Request : On XX/XX/year>, I sent a formal debt validation request to Credit Control , LLC via certified mail. My request, sent within the 30-day period allowed under the FDCPA, specifically asked for : The name and address of the original creditor. 
Documentation demonstrating the transfer and chain of custody of the debt. 
The date of default and delinquency. 
A detailed breakdown of charges, interest, and payments. 
Confirmation of compliance with the statute of limitations. 
Proof of their authority to collect in Illinois. 
Inadequate Response : On XX/XX/year>, Credit Control responded, stating that they could not validate the debts associated with accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because they no longer manage the accounts. 
Violation of the FDCPA : Under 15 U.S.C. 1692g ( b ), Credit Control was required to cease all collection activities and provide validation upon my request. Their inability to validate these debts demonstrates non-compliance with this law.

Violation of the FCRA : Despite their inability to validate the debts, Credit Control allowed these unverifiable debts to remain reported to the credit bureaus ( XXXX, XXXX, XXXX ). The FCRA prohibits reporting inaccurate or unverifiable information on a consumer 's credit report. 
Negative Impact on My Credit : These unverifiable debts continue to harm my credit history, negatively impacting my credit score and my ability to obtain credit under fair terms.

Credit Control , LLC has failed to comply with the FDCPA by not validating the debts and with the FCRA by allowing unverifiable information to remain on my credit report. I request the CFPBs intervention to ensure the removal of these debts from my credit history and to hold Credit Control accountable for their actions. 

Sincerely, 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 2024-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I contacted Ally Bank early last week to schedule a payment arrangement on my automotive loan due on XX/XX/XXXX, as my payment was running late and didn't want to be reported beyond 30 days. The customer service representative assured me the agreement we made would allow the payment would post in a timely manner and there would be no derogatory report with their company or on my credit report. 

The information/agreement providing by Ally 's agent was and my car payment then posted 2 additional days late, causing my account to be reported late and badly damaging my credit rating/report. 

I have reached out to Ally on multiple occasions and they refuse to listen/help in any way. 
Your assistance would be greatly appreciated, as i feel I have nobody to correct/resolve this highly unfortunate situation. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a new business checking account for my company, XXXX XXXX, XXXX. I was told when I opened the account that I would be eligible to receive a cash bonus after depositing a certain amount of funds into the new account. I called the customer service number XXXX on XX/XX/XXXX to get details about this offer. The customer service agent I spoke to repeatedly lied to me and told me that there was no such offer and that BofA does not have any program to give cash bonuses for opening new business checking accounts. Even when I pointed him to the BofA website where it shows that this promotion exists, he denied that it was true and continued to insist that there is no such program. After an extensive back and forth conversation where I became increasingly frustrated with his lies, I demanded that the account be closed. 

On XX/XX/XXXX I then received a letter in the mail from BofA telling me that because I had opened a new business checking account that I was eligible to receive a cash bonus of either {$250.00}, {$500.00}, or {$1000.00} dollars for depositing {$5000.00}, {$10000.00}, or {$20000.00} into the account. Confirming that I had been correct all along and that the customer service agent I spoke to had lied to me. 

Because of his lies, I have no lost the opportunity to take advantage of this offer. Further, it is my understanding that because I have opened and then closed an account with BofA, that even if I were to open a new account with BofA in the future, I would no longer be considered a " new customer '' and as such, I will be permanently ineligible to receive any new customer promotion that BofA might offer in the future. 

I consider the customer service agents behavior to be a XXXX violation.

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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX {$710.00} i did speak to someone about this being on my credit report i let them know i have no knowledge of this accounts and i also asked for a wet seal letter and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: OH

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Monarch Recovery Management , Inc reference number : XXXX Dear Monarch, XXXX XXXX  has written off this account. I do not have any agreement with you to have to pay any amount. According to the FDCPA, monarch or any other debt collector has to have consent to communicate with me which you do not have. Any communication after this will be considered harassment. 
Under Section 809 ( b ) of the FDCPA, you are required to provide me with the following information before pursuing any further collection activities : Verification of the debt, including the name of the original creditor and detailed documentation of the amount owed. 
Proof that you are legally authorized to collect this debt. 

Until the requested verification is provided, I am requesting that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies, as inaccurate or unverifiable reporting is a violation of the Fair Credit Reporting Act ( FCRA ). 
Additionally, I demand that you refrain from contacting me except to provide the requested validation or to confirm that you will cease collection efforts. 
Please be advised that this letter serves as my formal notice under the FDCPA to protect my rights as a consumer. I expect your response within 30 days from the date you receive this letter. 
Thank you for your immediate attention to this matter. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-06 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:
Following account from XXXX XXXX is reporting account incorrectly and information is not correct. 
Account was opened in XXXX not XXXX Stated the collector. Original debt was through XXXX  : XXXX collection for {$1200.00} Falsified info has been reported. Please delete Collection company : XXXX XXXX Balance : XXXX Original debtor : XXXX XXXXXXXX  Old collection agency : XXXX credit agency

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 2024-12-06 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: LA

Complaint narrative:
I am writing to formally request that all accounts listed below be blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c- 2 ( a ), as I am a victim of a recent data breach. These accounts, listed under my name, are the result of fraudulent activity, and I respectfully ask that they be removed from my credit file to prevent further damage to my credit profile. 
Please consider this request under the provisions of the Fair Credit Reporting Act and take the necessary action to block and delete the following accounts : Accounts to be Blocked/Deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries to be Blocked : XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-06 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-06 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: IL

Complaint narrative:
I am seeking your assistance regarding an incorrect account appearing on my credit report. This issue has harmed my reputation as a customer, and I need your support. These accounts should be removed because they have been reported incorrectly and unfairly.

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 2024-12-06 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: TX

Complaint narrative:
XXXX Equifax and XXXX neglected to update personal information, address is reporting incorrect. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I went to open a new bank account and was told I owed XXXXXXXX XXXX. I never had an account with XXXXXXXX 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 2024-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Debt was Paid to agency Caine & Weiner and this company still added debt of XXXX to my credit report I ask that the debt be release from my credit report and i wil add proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: PA

Complaint narrative:
In XXXX of XXXX Selene Finance took over servicing my FHA loan from Guaranteed Rate. 

In XXXX, I put my home on the market and asked Selene Finance what their process was to have a new person assume the loan. 

Selene has told me 3 times, both by phone call and email that they do not originate loans and that there is no assumption process. 

It is my understanding that all FHA loans are assumable. Selene seems to be breaking the law here. I am sure if they have denied me this process they have denied others. 

I would like to : 1. Make a formal complaint against Selene Finance 2. Have someone contact Selene Finance on my behalf and get them to allow the assumption. 

Notes : XXXX XXXXXXXX XXXX I originally emailed Selene Finance to request their assumption process XXXX XXXX received a response attached below stating they have no process and refused to help XXXX XXXX Sent reply email stating they were in violation of law, because all FHA loans are assumable XX/XX/XXXX Followed up with a phone call with XXXX at XXXX XXXX. XXXX repeatedly told me there was no assumption process. I let her know that all FHA loans are assumable, that she was possibly breaking the law by denying my request, and asked to speak with her supervisor. She refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX hours spoke to XXXX from Wells Fargo escalation dept. She refused to investigate false information provided by credit bureau.I sent documents of report. It wrongfully provides an account that I am not aware of and states my balance was exceeded.

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