vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
AMSHER COLL acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I visited the local branch to deposit a check for {$7200.00}. The cashier processed the deposit without any problems, but later, when I checked my account on the online mobile app, I noticed a negative amount, which was incorrect. 

I called the bank to inquire about this discrepancy and was transferred to the fraud department. They informed me that there was an issue with the verification of the check. I suggested that they contact the sender for verification, as is standard practice. However, instead of resolving the matter professionally, I felt that I was being racially profiled, as if I could not possibly earn this amount of money legitimately. 

The customer service representative asked if someone had emailed me the check, which was confusing, as I do not know anyone who would do that. I was also questioned about how I obtained the check, as if my business activities were being doubted. 

I am puzzled as to why the bank did not simply verify the funds and contact the sender if there was an issue, as is typically done. I understand that it can take a few days to verify a check, but the approach taken by the bank was disrespectful and unprofessional. 

Furthermore, I was asked to provide copies of my business contract with a client, which I can not do as it is illegal for me to share such information. This situation has put me in a difficult position, as I have pending deposits that will come through this account, and my bills may fall behind if my account is closed in 30 days, as I was told would happen if I do not provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.

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 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sent a debt validation letter the the corporate office of Capitol One Auto Finance, I also sent a request for the Original contract, and a letter requesting the Original Creditor. I was called by an agent and I was told that I would not receive any of these documents and that I was not eligible for refinancing because Capitol One does not refinance any of their contracts. This information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten the runaround. The debt validation letter was sent on XX/XX/2023. I have not received any correspondence from this company and I am being charged entirely too much money for this vehicle. I need a fair resolution to this situation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is forcing financial duress, invading my privacy, and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. TransUnion, XXXX and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with the following accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. XXXX, Experian and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). I have not initiated any transaction with the following accounts : XXXX XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both.

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 2024-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I'm written this letter to complaints long silent zombie XXXX mortgage or debt XXXX filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( RRA CP OPPORTUNITY TRUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXX bank XXXX. security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXXXXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXXT 1. In XXXX we ( me and my husband ) filed bankruptcy and XXXX I thought the HELOC XXXX mortgage had satisfied, the last payment I made to XXXX was in XXXX, XXXX. In XXXX, XXXX our primary mortgage was modified under a governmental program known as the making home affordable program ( XXXX ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago we have not made a single HELOC payment since XXXX, XXXX. In XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from XXXX mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court. However they still filed a notice of default to XXXX XXXX on my house. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

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. XXXX XXXX XXXXXXXX, has violated my rights. 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 an 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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX. My Full Legal Name : XXXX XXXX XXXX. My ONLY Address : XXXX XXXX XXXX, XXXX, FL, XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX, My ONLY Address : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : 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 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLIANT CREDIT UNION
State: OH

Complaint narrative:
My mortgage company ( Alliant Credit Union ) paid the previous owner 's tax bills, on multiple occasions, even after they were told they were paying the incorrect parcel ID. 

They've paid ~ {$45000.00} in taxes for XXXX, despite the tax bill having a completely different parcel ID and incorrect owner information. 

My wife and I have called on multiple occasions to try and resolve. Their only response is that they can't refund us, until they receive the money from the previous owner. They have been reaching out to the previous owner since XXXX XXXX, with no response. 

I'm now having to pay a ~ {$10000.00} mortgage payment each month, to fund my escrow account, due to the company paying {$45000.00} of someone else 's taxes. 

I recently sent the lender 4 questions regarding the issue above on XX/XX/XXXX. It was escalated to a " resolution specialist '', who didn't answer of the questions. In addition the end of his email states " We believe that this response fully addresses your concerns expressed to our Customer Service Department. Should you have any further questions, please contact our Customer Service Department. '' Again, not a single of my questions was answered. My wife and I literally laughed at the ineptitude. 

This has been going on since early last year. I've reached out to them for the last time. I've now involved my lawyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove the account from my credit report it is 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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: CA

Complaint narrative:
I applied for a secured credit card from XXXX XXXX on XX/XX/2024. I submitted a " fund later fee '' of {$29.00}. I was not in the position to deposit the required {$200.00} on XX/XX/2024. 

On Saturday XX/XX/2024, I received a message from XXXX XXXX that my application was not approved. 

I called XXXX XXXX on Tuesday, XX/XX/XXXX, to request a refund of the {$29.00} " fund later fee '', I was told that this fee was the same as the application fee and it would not be refunded. 

I feel that the {$29.00} " fund later fee '' should be refunded, upon denial of the application I was not able to the card later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit reporting agencies are reporting the following accounts as either written off / charged of, please explain to me if these accounts are written off / charged off by company, why haven't I received a 1099-c form and the reporting agencies don't report income, this is a violation of my rights according to 1681 ( e ) ( b ) this is considered taxable income which make these accounts INACCURATE REPORTING, THE ACCOUNTS ARE AS FOLLOWS XXXX # XXXX XXXX # XXXX XXXX # XXXX accounts # XXXX all these accounts on my credit report are inaccurate and need to be deleted immediately, please explain or remove and send me a copy of my credit report that reflects deletion inaccurate reporting

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV has been reporting several accounts as being closed on my credit report. I reached out to this company last year requesting validation of said debt and no response was given. This company is reporting closed accounts on my credit report and I have not had any agreement with this company. They have four separate negative remarks across my credit report and is trying to intimidate me into paying them when they have already wrote the debt off and has had their company credited. So not only have they already received said funds they are now attempting to double dip by pressuring me into payment. The negative remarks on my credit report have hindered me from any new credit opportunities and I would like to be compensated for that. I also would like to share that the company failed to send an opt out notice therefore not allowing me my right to choose. Per FCRA as a Federally Protected Person I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and or non verbal. Per 15USC 6802 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: IL

Complaint narrative:
Kindly eliminate these inquiries as they were conducted without my knowledge or consent by the company.

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