vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 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: AZ

Complaint narrative:
I received my credit report in XX/XX/2024 from XXXX, Experian and XXXX and noticed delinquent items, open accounts I never authorized and charges in my name that I did not give consent to contract with nor did I receive any credit or use of any goods or services. I did not give my permission or consent to XXXX, Experian or XXXX to report any inaccurate information pertaining to me or my property. According to TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. Code 1681 ( b ) ( 2 ) Permissible Purposes of consumer reports. NO CONSENT IS IDENITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the difficulties I have encountered in obtaining an accurate payoff balance for a mortgage account managed by Fifth Third Bank. Below are the details of my situation : Successor of Interest : I have been appointed as the successor of interest following the passing of the original borrower.

Issue with Payoff Balance : I have been attempting to secure the accurate payoff balance for this account. However, the balance has inexplicably increased by approximately {$5000.00} without any itemized explanation.

Investigation Efforts : I have reviewed county records which suggest that the additional fees charged are related to an order of sale. Despite this, I have been unable to obtain clear information or justification for these charges.

Lack of Communication : I have contacted Fifth Third Bank 's mortgage servicing department multiple times, but they have been unable to provide answers regarding the fee increases.

Attorney Unresponsiveness : I was advised to reach out to Fifth Third Banks attorney, XXXX, XXXX, and Associates, who has not responded to any of my electronic or verbal requests for information. 

Duration : This issue has been ongoing for over a year. 

Title Company Involvement : The title company I am working with has also faced difficulties in obtaining the correct payoff balance, as Fifth Third Bank has refused to respond to the title company request. I then have to call to follow up on why the are not releasing the information. 

Escalation Attempts : I sent a fax to the Office of the President of Fifth Third Bank and was assured the matter would be looked into. However, I have yet to receive a satisfactory resolution. Furthermore, Fifth Third Bank will not accept any payment exceeding the original payment amount, resulting in returned payments in the deceased borrowers name making it extremely difficult to payoff the debt prior to me deciding find a new service provider. 

As a result of these ongoing issues, I have been unable to close out the balance under the deceased borrowers name and switch the account to my preferred servicer. This situation has caused significant stress and inconvenience. These issues arose after the hardship application was submitted and approved. It was brought to my attention that the hardship approval was reversed because the agent who called to get a verbal acceptance did not properly record it in the system. This error resulted in the reversal of the approval, causing the loan to go into foreclosure status due to the employees mistake. 

I kindly request the CFPB 's intervention to ensure that Fifth Third Bank provides an accurate and itemized payoff balance and addresses the lack of communication from their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The Synchrony Bank, which is the issuer of several of my credit cards ( listed below ), closed all my accounts abruptly and without warning. All of my accounts with them and other credit issuers are in good standing. I have always made my payments in full and before due date, never was late or delinquent or made even partial payments. I requested the reinstatement of all my accounts with the current/last approved credit limits. 

These are the cards I have with them and they closed : - XXXX XXXX - XXXX credit - XXXX  store card - Synchrony Premier XXXX ( XXXX  % Cashback ) - XXXX XXXX XXXX credit card - XXXX XXXX - XXXX store card

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 2024-05-19 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, 2024 {$25000.00} Is an account opened by Identy theft, I success fully disputed with the other!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account from XXXX XXXX XXXX XXXX that appears on my credit report. This account was fraudulently opened in my name due to identity theft. The details of the account are as follows : - Creditor : XXXX XXXX XXXX XXXX - Reported Balance on TransUnion : {$51000.00} - Reported Balance on XXXX : {$25000.00} In addition to being a fraudulent account, there are significant inaccuracies in the reported balances across different credit bureaus. This discrepancy is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports be accurate and complete. 

Under the FCRA, specifically 15 U.S.C. 1681i, I am requesting a thorough investigation into this matter and the immediate removal of this fraudulent and inaccurate account from my credit report. Additionally, I request that you provide me with all information regarding the verification of this account, including the methods used and the parties involved in the verification process. 

To assist in your investigation, I am enclosing copies of my credit reports from both TransUnion and XXXX, highlighting the discrepancies, as well as a copy of my identity theft report filed with the Federal Trade Commission ( FTC ) and a copy of my government-issued ID. 

Please address this matter urgently and provide written confirmation of the results of your investigation. 

Thank you for your prompt 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 2024-05-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is in regards to Equifax. They responded within 1 hour of my complaint. It is about XXXX inquiries that were not made by me around the end of XX/XX/2024, I disputed deemed factual on the first 2 disputes and then I disputed again and they said the inquiries were being deleted not factual. But yet again they are still on my report and I called stayed on the he phone for 40 mins talking with them. This is the last time I will complain. I will go ahead and let my attorney take over. If my demands are not considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
All inquiries from XXXX I haven't applied for anything

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-19 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-19 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
All inquiries from XXXX I haven't applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
All inquiries from XXXX I haven't applied for anything

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 2024-05-19 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-19 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: AZ

Complaint narrative:
I received my credit report in XX/XX/year> from TransUnion, XXXX and XXXX and noticed delinquent items, open accounts I never authorized and charges in my name that I did not give consent to contract with nor did I receive any credit or use of any goods or services. I did not give my permission or consent to TransUnion, XXXX or XXXX to report any inaccurate information pertaining to me or my property. According to TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. Code 1681 ( b ) ( 2 ) Permissible Purposes of consumer reports. NO CONSENT IS IDENITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: AZ

Complaint narrative:
I received my credit report in XX/XX/year> from XXXX, XXXX and Equifax and noticed delinquent items, open accounts I never authorized and charges in my name that I did not give consent to contract with nor did I receive any credit or use of any goods or services. I did not give my permission or consent to XXXX, XXXX or Equifax to report any inaccurate information pertaining to me or my property. According to TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. Code 1681 ( b ) ( 2 ) Permissible Purposes of consumer reports. NO CONSENT IS IDENITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-19 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXXXXXX, Experian, and 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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: NE

Complaint narrative:
On XX/XX/year> I had a merchant take unauthorized charges from my checking account with XXXX in the amount of {$170.00}. I had received a text asking If I made the purchases or not and I responded no. The bank still allowed the charges to come through and take out my current balance. The charges then were pending for a few days and I could not make a dispute until they posted to the account. Once I put in dispute ( # XXXX ) I had to wait 10 business days for them to investigate the charges. On the 10th day I received credit back for my money of {$170.00}. I called the bank and they told me the merchant was blocked and couldn't get my money. I ordered a new card and then was getting notifications of the purchases again, called, the rep told me they were still trying to get from my old debit card info and not to worry it was the card number not the account number that the other merchant had. Was also told the merchant XXXX was blocked. Then on XX/XX/year> I woke up to a bunch of texts asking if I made those purchases and it was from the same merchant as before. I responded NO the charges still came through my account again of {$88.00} taking my bank account negative. I had called them immediately and the rep told me that even though it was still pending he put in a dispute. The next week I wasn't seeing an email or anything with the dispute so I called on the XXXX and I was told one was not put in. At that time I put XXXX in an over-phone Dispute ( # XXXX ). Spoke to manager XXXX I believe who looked into it more, she said she seen the request to block the merchant but it wasn't done. In summary she told me I had to wait the 10 days allowed for them to look into it. There is no reason I should have to wait again for this long to get my money back when its fraud and there back room already investigated it on my account prior. This merchant is in a totally different country my funds are converted to euros, it's clearly fraud. When I call or chat they don't care they say I have to wait. Took my account into overdraft protection and they are trying to collect on it because it's negative even though I have a dispute in, They don't back there customers, they make them pay for the fraud by waiting and that's unacceptable. No provisional credit can even be given in the meantime. Especially when it happened before. They are rude and don't care what issues it caused they just apologize over and over. I am now waiting again while in review and have no money to do anything at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 Capital OneXXXX XXXXXXXX : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear Capital One, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified.

2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am not liable for debt with XXXX, I did not sign contract with credence resource management. They did not provide me with contract.

Company response to consumer: Closed with non-monetary relief