vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. I have made previous attempts to get this verified. This company is violating my rights, and I'm entitled to {$1000.00} for every violation of those rights. I will pursue legal action if this account is not removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX which is enclosed with this correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TN

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX mi XXXX Discover XXXX : Request for Information on Account Dear discover Bank RepresentativesXXXX This letter is a formal request for information regarding the credit account with account number XXXX We require the following information for our records : Date of First Delinquency : Date of Last Payment : Date of Charge-Off ( if applicable ) : Date of Account Opening :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a XXXX fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX account opened at XXXX XXXX # XXXX {$1000.00} opened XXXX, XXXX XXXX XXXX # XXXX {$620.00} opened XXXX these accounts have resulted in a fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Equifax Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check into my account on XX/XX/XXXX the deposit slip never indicated when my funds would be available instead I received an email a day later saying the deposit would be held until XX/XX/XXXX. The issuing company stated that they have a dedicated team available to verify checks and fund availability. Truist bank failed to contact the issuing bank nor did the contact the company in question regarding availability of funds. When calling Truist bank I was told the check seems suspicious.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I got a loan from Chrysler Capital XX/XX/XXXX for what I thought was {$29000.00} for a XXXX XXXX XXXX XXXXXXXX XXXX XXXX  with XXXX miles, from XXXX XXXX XXXX XXXX PA. I received my payment information from Chrysler and it stated that my loan is for {$39000.00}. I called them in XXXX and was told they will email my contact. Called in XXXX, same thing. Called again in XXXX and spoke with someone and he said the $ XXXX extra was from add ons. I said I never added anything he said that they could give the money back but they could subtract it from my loan and that hed email my contract for me to review and get back with them on the discrepancies. That email never came. I called again in XXXX was told it would be emailed. I called again in XXXX and was told it would be emailed at that time. I told the lady well XXXX wait on the phone while you email it and when it comes through, XXXX let them know. She told me to hold on then she came back and said we are not able to email you your service agreement in your contract I said well why have I been told this for XXXX amount of months since I bought the vehicle she said she didnt know and she told me she was going to email it also now she said XXXX gon na put it in the mail and will mail it out to me and we are now in the end of XXXX going into XXXX and its gon na be close to a year that I still dont have my contract. Ive went on there website where I make my payment and Ive made complaints there about it with no resolution so I told them when I filed my second complaint that Im just gon na go through the CFPB and file my complaint that way because I dont know why its so hard for a company just to give me my contract so I know what I was charging an extra {$10000.00} for and Ive been trying to do this since I bought the vehicle XX/XX/XXXX of XXXX. I make my payments on time every month to them, but they dont feel they need to send me what I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
Subject : Request for Immediate Deletion of Inaccurate Accounts and Resolution of Disputes I am filing this complaint due to inaccurate and unverifiable information that has been reported on my credit reports with XXXX, TransUnion, and XXXX, which has caused significant harm to my XXXX XXXX and financial well-being. Below are the details of the accounts in question : XXXX : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} TransUnion : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} XXXX XXXX Account ( XX/XX/year> ) XXXX : XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} Despite my attempts to dispute these accounts directly with the credit bureaus, they remain on my credit reports, and their presence continues to negatively impact my credit. These accounts have not been properly verified, and the reporting agencies have failed to follow the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ). As a result, they are violating my legal rights under the FCRA. 

In addition, under 15 U.S.C. 6802, 1681b, 1681i ( a ) ( 6 ) ( B ) ( iii ), 1601, and 18 U.S.C. 1028A, the credit bureaus have mishandled my personal data and failed to conduct thorough investigations into these accounts, thereby violating my rights. I request that these accounts be deleted immediately, as they can not be verified. 

The resolution I am seeking is the immediate removal of all inaccurate accounts from my credit reports and the issuance of corrected credit reports across all three bureaus. If this issue is not resolved in a timely manner, I will pursue further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and other relevant authorities, as well as pursuing arbitration to seek remedy for damages caused by these violations. 

I trust that the CFPB will assist in ensuring that these issues are properly addressed and corrected in accordance with the law. 

Thank you for your attention to this matter.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Request for Immediate Deletion of Inaccurate Accounts and Resolution of Disputes I am filing this complaint due to inaccurate and unverifiable information that has been reported on my credit reports with XXXX, XXXX, and Equifax, which has caused significant harm to my credit score and financial well-being. Below are the details of the accounts in question : XXXX : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} XXXX XXXX Account ( XX/XX/year> ) Equifax : XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} Despite my attempts to dispute these accounts directly with the credit bureaus, they remain on my credit reports, and their presence continues to negatively impact my credit. These accounts have not been properly verified, and the reporting agencies have failed to follow the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ). As a result, they are violating my legal rights under the FCRA. 

In addition, under 15 U.S.C. 6802, 1681b, 1681i ( a ) ( 6 ) ( B ) ( iii ), 1601, and 18 U.S.C. 1028A, the credit bureaus have mishandled my personal data and failed to conduct thorough investigations into these accounts, thereby violating my rights. I request that these accounts be deleted immediately, as they can not be verified. 

The resolution I am seeking is the immediate removal of all inaccurate accounts from my credit reports and the issuance of corrected credit reports across all three bureaus. If this issue is not resolved in a timely manner, I will pursue further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and other relevant authorities, as well as pursuing arbitration to seek remedy for damages caused by these violations. 

I trust that the CFPB will assist in ensuring that these issues are properly addressed and corrected in accordance with the law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/year>, I responded to an email to the number posted at the bottom of a payment they said I owed to PAYPAL. I was on the phone over an hour and they got {$600.00} out of me by bank account transfers in the amount of {$300.00} for each transaction, totaling {$600.00}. I can not believe I fell for the scam.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For Experian to restore my credit, based on the third dispute letter I sent on XXXX XXXX, 2021.

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 2024-12-27 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: TX

Complaint narrative:
My accounts 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 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 to be removed/updated. 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. 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!

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 2024-12-27 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
There were bad actors scammed me as a consumer into providing them my sensitive information and exchanging and distribution to unauthorized companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
I'm submitting a complaint regarding incorrect information on my credit report from Equifax. My report shows two incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This issue has caused confusion and potentially damaged my credit, which is concerning to me as a consumer. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request corrections. I am seeking immediate investigation and removal of the wrong addresses, along with a correction to reflect my accurate information. I request a resolution where the inaccurate addresses are removed immediately, and my report is updated correctly.

Company response to consumer: Closed with non-monetary relief
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 — Threatened or suggested your credit would be damaged
Company: Servicing Solutions, LLC
State: OH

Complaint narrative:
CPFB I appreciate you. See attachment. I was ready to pay my bill on XX/XX/year>. It's about to XXXX and I'm still not able to pay it. Whenever your issue is fixed, I will resume paying that payment due of {$110.00} AND NOTHING ELSE! I'm not playing catch up and the confusing and shaky foundation yet sense urgency to pay the bill makes me feel this is a scam. I'm not rushing to give anyone my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There was not way of method of verification on any account listed. I request : or delete 1. Chain of Title : on every account listed 2. Itemized account history of each account listed on report 3. Credit Entry

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There was not way of method of verification on any account listed. I request : or delete 1. Chain of Title : on every account listed 2. Itemized account history of each account listed on report 3. Credit Entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : 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 I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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