vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: SC

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 inquiries : XXXX || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>

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 2024-03-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary 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 non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This debt collector employed prohibited practices under the FDCPA, including abuse, deception, and unfairness. They provided information on an account without agreement or signed contract from my side, violating the basic requirement of a legal contract involving two parties ' consent. Additionally, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, each violation entitles me to {$1000.00}, indicating clear infringement of my rights. 
Please be advised that the debt collector are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. 

Accordingly, I am requesting that debt collector do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which 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. This account, XXXX XXXX XXXX, account number # XXXX is not complete and is not accurate. 

XXXX XXXX XXXX account number # XXXX last payment date is not reporting correctly, date last active, date of last payment is not correct, as well as the payment history is reported incorrectly. This account is not accurate.

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 2024-03-28 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: NJ

Complaint narrative:
I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which 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. This account, XXXX XXXX XXXX, account number # XXXX is not complete and is not accurate. 

XXXX XXXX XXXX account number # XXXX last payment date is not reporting correctly, date last active, date of last payment is not correct, as well as the payment history is reported incorrectly. This account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
unable to open checking account

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 2024-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My consumer rights has been violated, looked over and not been taken into consideration. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). 2/14/2024 I sent a certified letter requesting them to verify, update and respond to me by mail with updates within 30 days with information that has requested. On XX/XX/XXXX I sent a certified letter updating my home address and requesting derogatory items on my credit file be investigated, updated or deleted if the items could not be properly verified and respond to me within 30 days by sending the verification process to me by mail. As of today XX/XX/XXXX they have ignored my request.

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 2024-03-28 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: FL

Complaint narrative:
This debt collection agency has been a complete disaster. An erroneous account has plagued my report for over a year. I left a XXXX review detailing my ordeal, they conducted an unauthorized hard inquiry on my Equifax report on XX/XX/24. They lacked any valid reason for such an action, as I never provided written consent or engaged in any transactions with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I submitted a check ( Check # XXXX ) from XXXXXXXX XXXX XXXXXXXX for payment of {$2500.00} on XX/XX/XXXX. The check was cashed on XX/XX/XXXX by Mohela. I called Mohela on XX/XX/XXXX to inquire why my account has not been credited. XXXX XXXX could not tell me why nor provide any helpful solutions. I asked to speak with a supervisor and was transferred to a voicemail box. I left a message and never received a call back. I attempted to call Mohela again but was left on hold for 1 hour and 45 mins only to be disconnected. I called again today XX/XX/XXXX and agent XXXX noted not seeing a check payment made. She placed me on hold several times with no resolution. My account is still not credited my payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/2024 - Kimball Tirey and St. John from their XXXX XXXX based XXXX XXXX office - connected XXXX XXXX ( my name is misspelled ) with a {$69000.00} overdue on payments for the XXXX XXXX XXXX  on XXXX in XXXX XXXX XXXX. I have never lived there or paid anyone to live there, and am concerned about identity theft and will check bureaus and consider hiring a lawyer to handle this should the problem get escalated. I have reported to your bureau, along with XXXX, and XXXX  XXXX and likely will with XXXX. XXXX has a XXXX rating on XXXX, so not too concerned about this issue escalated, but will take significant steps to protect myself and credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: SC

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 XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. 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. Please see attached file for these items I am complaining.

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 2024-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: KS

Complaint narrative:
My husband traded his XXXX XXXX XXXX for a new XXXX XXXX XXXX in XXXX on XX/XX/XXXX. 
They let us take it home and then rewrote the contract on the XXXX. 
They gave him an allowance of XXXX for his trade in. He had XXXX he owed and they paid it off to Ford Motor Credit which gave him XXXX positive to go towards the new XXXX. 
They added that XXXX back on to the revised contract and stole his XXXX XXXX. 
Our payment and interest are extremely high for someone who paid off a XXXX truck and that XXXX added in made the payment high! 
They marked up the XXXX sticker which was XXXX to XXXX! 
XXXX XXXX XXXX in XXXX stole my husbands truck. They resold this truck for almost XXXX. 
My husband paid in XXXX $ and lost his truck and now we will be forced to bankrupt this one which I am a cobuyer on because we are essentially paying for his old truck balance and the new one!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Payment sent to TD Bank lockbox by my bill payment provider XXXX  XXXX XXXX on XX/XX/year> As of XXXX TD Bank had still NOT posted payment. My bank STOPPED PAYMENT on the check as it is obvious they have payment and have not posted. TD Bank does NOT respond to electronic inquiries. Sent email to customer service and response came back as follows : XXXX XXXX RESPONDED This inbox is not monitored. 

Thank you for contacting Customer Service. For faster service, you can access your account and review FAQs at XXXX XXXX XXXX If you still have questions, you can contact us by logging into your account and going to the " Help Center '' and selecting " Make an Inquiry ''. If you wish to speak with us directly, our representatives are available at XXXX to assist. 

This bank has major lockbox issues and needs CFPB intervention asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-28 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: NJ

Complaint narrative:
I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which 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. The account XXXX XXXX XXXX XXXX, account number # XXXX, is not complete nor is it accurate. 

XXXX XXXX XXXX XXXX account number # XXXX, is reporting the payment history incorrectly as well as inaccuratelyreporting the last payment date.

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 2024-03-28 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: NJ

Complaint narrative:
I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which 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. The account XXXX XXXX XXXX XXXX, account number # XXXX, is not complete nor is it accurate. 

XXXX XXXX XXXX XXXX account number # XXXX, is reporting the payment history incorrectly as well as inaccuratelyreporting the last payment date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: UT

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 explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for.

Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original creditor.

Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson capital system say they are XXXX XXXX XXXX XXXX is on my credit report all three of them ( XXXX, XXXX XXXX ) saying that i have an open balance of XXXX and no one can give me the exact date the debt the breakdown of the debt of whats owed line by line or any of the contract information. Now theres this other company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) who has a company called XXXX XXXX calling and texting me.. 

Also, Im currently with XXXX as my cell phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my checking account because I forgot to update my address. Once closed, they claimed to have sent a check for the balance ( over XXXX ). I did not receive the check. It has been 4 weeks since the check was either lost in the mail, or not sent at all. I have followed up with Wells Fargo, and they want another 90 days before they will return my funds. Additionally, they want me to sign an affidavit that I have not received the check.

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 2024-03-28 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: AL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief