vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I was XXXX due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX to XXXX I was under XXXX XXXX XXXX XXXX XXXX and I am still under great XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Doing this time period, I got XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. I was not interest in any credit card or credit, I kept gett attached for my bank account at XXXXXXXX XXXX, The identity theft stole money from my bank account, andput on my computer a fake XXXX in which I made error going on it to buy they, I need to support my health and food. In XXXX of XXXX the Hospital platform for XXXX XXXX XXXX using XXXX in XXXX, Pa software operates a contact plateform for XXXX XXXX XXXX and received my infomation in connection to the Identity Theft and fraud upon me XXXX XXXX on or around XXXX XXXX. I didn't get this letter from XXXX untill XXXX. and the XXXX XXXX the maker of MOVEit transfer Tool found that, In which they disregarded, LaterThey stated in the letter upon an addition investigation with the assistance of a third party found out cyber security specialist determined on or around XX/XX/XXXX taht an unknown actor had exploited this hospital weakness. That on at or around XX/XX/XXXX they exfiltrated my id and other data form their computer server. That the inforamtion related to me was present on the impacted serverat the time of the event. That that Perso too money out of my XXXX acct, and had applied for XXXXXXXX XXXX credit card in my name and had been using it, until the bank sold that XXXX XXXXXXXX bank to RESURGENT RECEIVABLE, they contacted me by email to pay them {$650.00}. I told them to stop calling me My Identity was stolen from hospital Computer Server a. I had no knowledge of this card. They put it on my credit and as a charge off and that I owed them this money. I credit score it XXXX when it was around XXXX before this incident. And some one apply for credit card from my one of my creditor XXXX XXXX XXXX and I already have a credit card with them.. Please get them to remove that off my credit. I need to move I am unable due to all this trouble in my credit report, and get my scrore back to where it was im in all the agency in XXXX to XXXX score. I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/year> XXXX XXXX sold my mortgage to Mr. Cooper. In XXXX I noticed that my mortgage was never put back on my credit report. My credit score dropped about XXXX points since my oldest account was not gone. I contacted Mr. Cooper via a ticket on their website. I also followed it up with a phone call to them. I was told on the phone that my mortgage should be on my credit report with a couple of weeks. I then received an message from their ticketing system at the end of XXXX stating that although they report to all of the major credit agencies they would not be reporting my mortgage because it was never reaffirmed with XXXX XXXX. I responded back to them with the documents showing that the mortgage was reaffirmed and they never responded back. I then opened another ticket with them to submit the file and they just deleted the ticket. It is gone from my profile and it is not searchable. 

On XX/XX/year> I received an adverse Action Notice rejecting my application for a car loan and one of the reasons was Lack of Real Estate Secured Loan information. Mr. Cooper is affecting my credit score and keeping me from being able to get the best interest rate possible on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed these inquiries that does not belong to 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 Employer - XXXX BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - 1997 Employer - NOT PROVIDED Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. CFPB-2022-0023 ] RIN 3170-AB12 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 TOTHISMATTER!!

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 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX {$2000.00} was put out on hold in my bank. I called to discover i had a Court Order levy and was only given the Lawyers name and phone number. I was never served or given any legal documents saying i was being sued. I called the lawyer, XXXX XXXX XXXX, repeatedly and left messages. 
I called the bank again and tried to get further information and they gave me a case number and the client who is Portfolio Recovery. 
I currently have no outstanding dept in collections. And have a good credit standing. If this debt is real it has to be over 15-20 years old when i was in college. But i cant find any information with the original debt collector.I havent lived in the county this was filed in in over 10 years. Theres no way this can be legal and allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: OH

Complaint narrative:
I have two refunds that Payfare made fake transactions for and are refusing to remove the fake transactions from my account On XX/XX/XXXX I stayed at XXXX XXXXXXXX XXXX, they charge a {$50.00} deposit and {$80.00} a night, total after taxes is XXXX. The next day XXXX XXXX refunded me {$46.00} out of {$50.00} of my deposit and Payfare created a duplicate purchase transaction for the exact same {$46.00} that has stayed pending for weeks. XXXX XXXX has confirmed the refund is 100 % complete on their side and this transaction Payfare created is fraudulent. 

Also on XX/XX/XXXX I returned a battery charger to XXXX for {$53.00}, Payfare also created a duplicate purchase that I has been pending since the XXXX for {$53.00}. XXXX corporate and customer service desk locally have confirmed the refund is 100 % complete on their side and this transaction Payfare created is fraudulent. 


Payfare has been informed, and refuses to fix the transactions and has stolen {$99.00} from me. I suggest they fix it because I will start targeting their employees if they do not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. These are the following accounts need to be removed :

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 2024-07-02 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: CA

Complaint narrative:
My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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 2024-07-02 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: OH

Complaint narrative:
My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-02 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: OH

Complaint narrative:
My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-02 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: MS

Complaint narrative:
XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$23000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

This account is false. This car has no lien and I do not owe anyone for this car. These false payments and missed payments are not accurate. 

Please remove this from my credit report. I will attach my clear title with no lien to this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened my account a few weeks ago and received my card last week. Today, I went in and transferred {$980.00} with XXXX to meet some of the requirements for the checking bonus offer. I then transfer half of the money back and my account instantly gets blocked. I called and got bounced around and once I got to the fraud department, the rep informed me that they couldn't verify my account because the phone number I provided is not on the account, even though it's the same phone number I opened the account with. I asked to speak to a supervisor who hung up on me. I called back and get the the risk department again for them to tell me they needed to verify the transfer and it would take another 24-48 hours. They are holding my money and regardless of my verifying my account multiple times, they are holding my money for " Verification ''

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear citi Card Bank, My name is XXXX XXXX XXXX, and I am writing to you regarding an account that appears on my credit report as a charge-off from Citi Card Bank . I have no knowledge of this account and would like to request a proper investigation into this matter. 

I dont recall ever opening a bank account with your bank, Currently, I am in the background check stage with XXXX XXXX and XXXX XXXX, and I am being questioned about this debt. This is causing significant concern as I do not recall ever having an account with your bank. This inaccurate information could potentially affect my future job prospects, as it may appear that I have an active debt when I should not have any outstanding debt with any bank. Additionally, this misinformation is negatively impacting my credit score. 

I kindly request your prompt attention to this matter and an investigation to determine the accuracy of this account information. Please contact me at your earliest convenience at XXXX or via email at XXXX. 

Thank you for your understanding and assistance. 

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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear XXXX XXXX Bank, My name is XXXX XXXX XXXX, and I am writing to you regarding an account that appears on my credit report as a charge-off from XXXX XXXXXXXX XXXX XXXX I have no knowledge of this account and would like to request a proper investigation into this matter. 

I dont recall ever opening a bank account with your bank, Currently, I am in the background check stage with XXXX XXXX and XXXX XXXX, and I am being questioned about this debt. This is causing significant concern as I do not recall ever having an account with your bank. This inaccurate information could potentially affect my future job prospects, as it may appear that I have an active debt when I should not have any outstanding debt with any bank. Additionally, this misinformation is negatively impacting my credit score. 

I kindly request your prompt attention to this matter and an investigation to determine the accuracy of this account information. Please contact me at your earliest convenience at XXXX or via email at XXXX. 

Thank you for your understanding and assistance. 

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 2024-07-02 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:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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