vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
Transunion XXXX, XXXX XXXX XXXX XXXX XXXX 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 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
After looking into my XXXX XXXX XXXX, I observed a new message of a letter dated XX/XX/2024. The details state cancelation of sale, meanwhile I continue to get robocalls, and lots of text messages, regarding the preforclosure in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is XXXX XXXX who says they bought the debt from LVNC Funding? Neither of these companies are on my credit report and I am showing another company, XXXX, for the debt they say they are trying to collect. I have paid {$350.00} of the debt and they will not provide me with a letter showing this is a valid debt I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I did not received all of the interest up through the closure date of XX/XX/2024, that I was promised. I only received earned interest up through the statement date of XX/XX/2024. As a result, I lost a whole months interest. 

Please see attachment and also pasted below the closure procedure of these bank accounts from the Citi XXXX XXXX : Although the account closure process takes XXXX days, the savings account ending in XXXX continues to earn interest until this process is completed. At the time of closure, if we deem any funds as belonging to you, we will send you a check by mail to the address listed on the account. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Cell # 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 monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX continues to send a fraudulent account to collections, first with XXXX XXXX XXXX XXXX in XXXX of XXXX, I had sent this collection Agencie a validation letter and they did not validate the debt. XX/XX/XXXX XXXX XXXX XXXX requested documents to prove the debt was fraudulent I faxed the Affidavit, Police Report, copies of proof of residence and provided a government issued ID to XXXX XXXX XXXX per their request. XXXX XXXX XXXX did not send me anything in regard to their investigation. On XX/XX/XXXX XXXX XXXX XXXX had reported the fraudulent collection account to the credit bureaus and was on my credit report. I then filed a complaint against this collection agency with the CFPB for their wrongful reporting. They failed to validate the debt and did not stop their collection efforts. 
On XX/XX/XXXX XXXX XXXX XXXX mailed me a fraud packet. Again I uploaded all documents to XXXX XXXX XXXX fraud department, Affidavit, Police Report, two copies proof of residence during the time of the fraudulent activity, and my government issues ID. I did not hear back from XXXX XXXX XXXX about their investigation. 
On XX/XX/XXXX of XXXX I got a call from a New Debt Collector Sunrise Credit Services , Inc . Attempting to collect on the same fraudulent account. I explained this account is fraud and I have reported this to XXXX XXXX XXXX multiple times, with the required documents they have requested and still they are continuing to collect on this fraudulent account. I filed another fraud claim with XXXX XXXX XXXX on XX/XX/XXXX. With more documents to prove my claim.

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 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Calls every day at hours not appropriate for months on end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXX XX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, Chief Fin XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to vehemently dispute and demand the immediate removal of egregiously inaccurate information on my credit report, as protected under 15 USC 1681c-2. The erroneous data pertains to an XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1200.00} I have meticulously examined my credit report and am appalled by the blatant inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I demand an expedited and thorough investigation into these discrepancies, as mandated by 15 USC 1681c-2, with the expectation of swift resolution and removal of the disputed information. 

Enclosed herewith are supporting documents that unequivocally attest to the inaccuracies I am disputing. I insist on your immediate attention to this matter and a commitment to resolve the dispute within the shortest time frame allowed by law. 

Under 15 USC 1681c-2, I expect the investigation to be completed immediately. I further demand the issuance of an updated credit report promptly upon conclusion of the investigation. 

Failure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, including filing complaints with regulatory authorities and seeking damages for the harm caused to my creditworthiness. 

I emphasize the urgency of this matter and demand your immediate compliance with federal law. My expectation is not merely a request but a demand for fast, efficient, and accurate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir/Madam, I have been experiencing issues with Capital One credit card. The company does not honor its obligations and every time when I use this card ( mainly as a hotel refundable deposit ) company charges me always instead. I provide all the required info, record the conversation with hotel rep and finally open a claim but nothing helps. 

The most recent transaction happened a couple weeks ago ( refundable deposit was charged again by this company ). 

Also, this company opened another account ( I did not authorize and without my knowledge or consent ) on my behalf recently. 

I keep having issues with this bank and would like to part with them but it seems like they create such issues on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXXXXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Today I deposited a check for {$6500.00} but received a credit for only {$65.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 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: NC

Complaint narrative:
My personal information was stolen in ( BACKDATE AT LEAST A YEAR TO WHEN YOU DID THE FIRST HARD INQUIRY AND PUT THAT YEAR AND PLACE HERE ), since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( 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 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX of XXXX  I purchased a portable dishwasher from Wayfair using the Wayfair Citibank Credit card and when the item arrived it was damaged. I contacted Wayfair and they promptly replaced item with XXXX hassle. I purchased an additional warranty from Wayfair for {$32.00}. Upon replacement of the item the warranty for {$32.00} was canceled and should have gone back to my Citibank Wayfair credit card but never did. I contacted Wayfair on multiple occasions and was told to talk to Citibank because they already sent the funds back to Citi. Citi refused to help and told me the only way to resolve this was to open a dispute and use archaic methods of proving to them that I was " owed '' the refund. Mind you the credit card is part of Wayfair. I don't want to pay to fax or mail them proof I was owed the refund because it doesn't make sense. Wayfair emailed me and advised it was due back to me. The two companies should be able to communicate internally and determine an outcome for me instead of putting me through expensive means of getting money back to me that is mine. I want the credit for the warranty refunded and my balance settled. I have never been late, skipped a payment. They owe me the money back and they need to follow up and take care of it. I've contacted Citi many times through Chat and I only get back AI or Computer Generated messages that tell me how to dispute a transaction. They are stealing from me at this point and need to be held liable.

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 monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TN

Complaint narrative:
Last Summer I noticed that my credit score had dropped XXXX points, so i contacted XXXX credit bureau to explain. I was informed that I had been turned over to a collection agency for nonpayment. i had them send me my current credit report, and discovered that XXXX XXXX had turned me over to a company XXXX XXXX XXXX XXXX ) for collections for the amount of XXXX}. for the purchase of a iphone ( XXXX XXXX XXXX ). 
I contacted XXXX ( XXXX XXXX. ) and XXXX, i worked with them several weeks 'off and on. I assured them that i had never been a Spectrum customer and had never lived in North Carolina ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) the reported address. After many conversations we all agreed that my identity had been borrowed. Case closed or at least i thought so, my credit score jumped back up to XXXX and i never heard back from them.Well a month ago i started getting collection calls from a company, XXXX XXXX XXXX. These calls are about the XXXX issue that was supposedly rectified last summer. This new company claims that i have to file a fraud report with Spectrum to prove my innocence. This report is extensive, police report, trade commision, notarized information and surrendering alot of private personal information. 
This has become very stressful for me and my wife. I hope that you can help me clear this up before they trash my credit score again. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Insikt, Inc.
State: AZ

Complaint narrative:
I had XXXX XXXX  first for my children and I but someone stole my email and phone number I had for 10 years and my XXXX account, identity theft. I tried to open an account with them again and they refused to add my children, so I left and went to Aura whom I have now and Aura refuses to help me with my problems with ID theft and fraud I have proof of. They won't even help get a fraudulent address off my credit report. I told them i want XXXX XXXX dollars and now I want XXXX XXXX dollars and free service for life! My children are missing, this is a SERIOUS SITUATION, i have police reports and ftc reports. My XXXX XXXX XXXX number is # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-02-10 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA

Complaint narrative:
I am writing to file a formal complaint and request an investigation regarding a collection account inaccurately reported on my credit file by Helvey & Associates Inc. This erroneous reporting has caused significant harm to my XXXXredit score and financial well-being.

Despite repeated attempts to resolve this issue directly with Helvey & Associates Inc., they have refused to acknowledge the error or remove the incorrect collection account from my credit file. The account in question does not belong to me, and its inclusion on my credit report is unjust and damaging. 

I am requesting that the Consumer Financial Protection Bureau intervene and investigate this matter promptly. I urge you to take appropriate action against Helvey & Associates Inc. for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for the harm caused by their refusal to remove the inaccurate information from my credit file.

Furthermore, I am prepared to seek legal representation if Helvey & Associates Inc. does not immediately remove the incorrect collection account from all three major credit bureaus. This erroneous reporting has had severe consequences for my financial reputation and has unfairly impacted my ability to access credit and financial services. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation