vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
In XXXX of XXXX, A lease was taken out at XXXX XXXX XXXX XXXX. The lease was completed without any issues after the XXXX period. After the second year in the rental, it was determined that month to month would be the best decision for the family and that was entered from XX/XX/XXXX until XX/XX/XXXX the family remained in the rental unit and all rental fees were paid. Occupant provided a notice to vacate to the leasing office in XXXX of XXXX. In XXXX of XXXX, the occupant spoke with leasing office to remind them of the notice to vacate and was informed by the leasing office that notice was not provided in a timely fashion and that occupants unit would need to be subleased. Occupant tried to reason with rental office with worker XXXX ; however, no settlement was found, and rental representative became unruly and disrespectful. Occupant proceeded with moving out processed and inquired with leasing office about receiving security deposit back and occupant was informed that the security deposit would not be returned and that the amount would be kept and applied to the rent for the unit until the unit was filled. I have continued to receive calls concerning this apartment for over XXXX years from a debt collector, Rent Recovery Solutions, on behalf of XXXX XXXX XXXX. These calls are harassing, and calls are coming in on early mornings and late nights, holidays and weekends. This debt collector continues to report on my credit. The total amount reporting on my credit is {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC, XXXX XXXX ( XXXX ) XXXX XX/XX/year> CarMax Auto Finance Attn : Credit Dispute XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Negative Credit Information Due to COVID-19 Hardship Under 15 U.S. Code 1681c ( a ) ( 2 ) To Whom It May Concern, I am writing in regard to the account listed below that appears on my credit report : Account Name : CARMAX Account XXXX : XXXX Original Balance : {$40000.00} Status : Charged off, {$15000.00} past due as of XX/XX/year> During the COVID-19 pandemic, I experienced significant financial hardship that impacted my ability to make timely payments on this account. As a result, I am requesting that you review this account under the provisions of the Fair Credit Reporting Act ( FCRA ) and consider removing the negative information as an accommodation.

Specifically, 15 U.S. Code 1681c ( a ) ( 2 ) governs the reporting of adverse credit information. If this account 's reporting exceeds the legally permissible time frame or fails to reflect accommodations for COVID-19-related hardships, I respectfully request its correction or removal from my credit report. 

I kindly ask for your understanding and assistance in this matter. Please conduct a thorough investigation and provide me with written confirmation of the actions taken. If you require additional documentation to support my claim of COVID-19 hardship, please do not hesitate to reach out to me. Additionally, please notify the credit reporting agencies of any updates made to my account information.

I appreciate your attention to this matter and look forward to your prompt response. I can be reached at XXXX or ( XXXX ) XXXX should you need additional details. As per the FCRA, you are required to investigate and respond to this request within 30 days of receipt. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 



XXXX XXXX XX/XX/XXXX {$2400.00} INQUIRIES : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX years after I sold my house and closed the mortgage ( XXXX ). Wells Fargo sent me a check for {$1000.00}. I believe there was mishandling of my mortgage. Is there a class action lawsuit? I strongly believe I was a victim.

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 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My home experienced an electrical fire on XX/XX/year>. 

To this date, the mortgage company, Shellpoint Mortgage, is refusing to release the money they received on my behalf from my insurance company, XXXX XXXX, to complete repairs to my home. 

I am homeless and have been since XX/XX/XXXX. 

I have adequate insurance to cover the damages to my home, yet Shellpoint is refusing to release my money. 

They received a {$24000.00} in XX/XX/year>. SHELLPOINT cashed the check on XX/XX/year>. To this date, I have received XXXX dollars from Shellpoint to make the repairs on my home. 

I have asked and demanded that Shellpoint release MY money, and they continue to refuse, citing a process here, a document required there, an inspection that they are making me pay for that they wanted to schedule XXXX weeks in advance with a company based in Florida, who subcontracted with another agency in Virginia, who subcontracted with another provider in XXXX, who came to my home on XX/XX/year>. I have yet to have any money to make repairs. 

Shellpoint said they were releasing a check for {$6000.00}. I told them that was absolutely unacceptable, as the repairs are in excess of {$50000.00}. 

Shellpoint, whom took over my mortgage at some point this summer, is being racisXXXX, sexist and violating my rights to reside in my own home that I purchased and am current on the mortgage. At every phone call I make to Shellpoint, I have to work through their bureaucracy to get a person on the phone to lie to me. 

I was told that there was a check cut and mailed on XX/XX/year>. To this date, the check is not even mailed, according to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Chime Financial Inc
State: AL

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX I received text alert for unauthorized transaction on my Chime checking account ending in XXXX. See attached. Because the transactions from XXXX XXXX were questioned by Chime how was the account debited? These transaction processed repetitively. As a result my balance of {$200.00} was reduced which prevented a incoming ach transfer for XXXX to XXXX XXXX. See attached. This negligence has caused consequential damages for the declined transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

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 2024-12-30 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: TX

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported as a result of unauthorized access to my personal information and should be removed immediately.

ACCOUNTS TO BE BLOCKED AND DELETED : 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 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 2024-12-30 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a {$1000.00} claim from XXXX XXXX XXXX on my credit report without providing a valid account number or any proof of ownership of the account. Despite my efforts to resolve this, XXXX XXXX XXXXXXXX has confirmed that they can not locate or verify any account under my name matching this report. 

I once again I repeat called XXXX XXXX XXXXXXXX themselves I said why are you reporting this they said we cant find that account under your name you HAVE TO CONTACT the credit bureaus to have it removed. 

Additionally, this account is being reported by Experian, ONLY further demonstrating its unverifiable and fraudulent nature. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b : Experian is required to ensure that all information included in a credit report is accurate, complete, and serves a lawful purpose. Reporting an unverifiable account with no proof of ownership violates this standard. 
15 U.S.C. 1681e ( b ) : Experian has a legal obligation to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. The absence of an account number and inconsistency across credit bureaus highlights their failure to comply. 
This false and unverifiable reporting has caused significant harm to my financial reputation, and Experians failure to act responsibly demonstrates gross negligence. I am requesting that the CFPB investigate this matter, compel Experian to delete the fraudulent account from my credit report, and ensure compliance with federal law.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Someone had hacked my bank account with that I have with Chase. They made it look like I was doing claims like someone stole my card and the bank credited my account, but it wasnt me. They got the money to credit to my account and then they took the money back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 



XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$720.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bounce AI, Inc.
State: CT

Complaint narrative:
On or about XXXX 2023 I was notified by XXXX XXXX XXXX XXXX that my personal information, including sensitive details such as my name, Social Security number, and financial data, was compromised due to a security incident. This breach has led to unauthorized access to my accounts and resulted in fraudulent activity being reported on my credit report. 

Then again XXXX also notify me as well. As a consequence of this breach, I discovered several fraudulent accounts and transactions that I did not authorize. These discrepancies have now created significant challenges for me. Specifically : Fraudulent Accounts** : My credit report now shows accounts that I did not open, which has adversely affected my credit score. 
I am actively working to resolve this matter by disputing the fraudulent entries on my credit report and seeking assistance from credit monitoring services. However, the immediate effects are hindering my ability to manage my day-to-day expenses effectively. 

I kindly request your understanding and support as I navigate this challenging situation. If you require any additional information or documentation regarding the breach or the fraudulent activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, I received a call about a XXXX XXXX XXXXXXXX for {$1200.00} from XX/XX/XXXX for a Judgement that was entered XX/XX/XXXX. 
I never received any kind of notice nor Documation. 

Violating 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 and 807, 807 ( 2 ) ( A ), 807 ( 5 ), and 807 ( 10 ) of the FDCPA, 15 U.S.C. 1692e Also, Collecting on any Debt purchased through an agreement executed more than 60 days after the Effective Date without : a commitment from the Seller to provide the following documents for any individual Debt in the Portfolio ( Promised Documents ) within either 90 days of closing or 60 days of Defendants request : - XXXX  that reflects ( 1 ) the Consumers name, ( 2 ) the last four digits of the account number assigned to the Debt by the Creditor that created or was awarded the XXXX, and ( 3 ) Lower XXXX  Amount or the amount of the Debt at the time of purchase by Defendant, Charge-off, or judgment ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
I have attached a detailed description in XXXX  format below. Please review thoroughly and feel free to post the text to your website so others know Discover Bank and Discover Card acts in fraudulent ways, acts with malicious intent, and retaliates against properly filed and documented issues. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: VA

Complaint narrative:
Tried to dispute with each creditor, stating that according to 15 usc 1692c the law clearly states if a consumer notifies a debt collector the consumer refuse to pay debt the collector must cease all communication. Reporting to my credit report is a sign of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
Please Remove the following Inquires off the credit report i never applied for anything with these compaines.

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