vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
On XX/XX/XXXX, Columbia Debt Recovery LLC dba Genesis LLC sent a collection letter that I received by email. I do not recognize this debt and sent a validation letter by certified mail on XX/XX/XXXX requesting verification of the debt owed. I stated clearly in my letter that I was disputing the collection on my account. I received the certificated mail receipt proving that Genesis LLC did receive my letter on XX/XX/XXXX. On XX/XX/XXXX, my credit account was reported on by Genesis LLC. My credit score was negatively impacted because of this. I have yet to receive validation of the debt from Genesis LLC. I was proactive and sent my validation/dispute letter within 30 days of the timeframe given, but I have yet to receive any documentation. Genesis LLC should have marked the debt as disputed on my credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Genesis LLC continues to reach out to obtain the debt even after acknowledging that they received my letter. Specifically, on XX/XX/XXXX, Genesis LLC called me at XXXX XXXX  ( MST ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND SANTANDER IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Seterus , Inc., was a division of the XXXX XXXX lender who purchased my home loan and began a series of illegal attempts to change the terms of my morrtgage, the date the mortgage was initiated was off by 7 years, the length of the mortgage was increased from 30 to 48 years, and continual unsuccessful attempts to modify or forclose on my mortgage. The company was shut down for its business practices, but not before it had damaged my credit with false legal fees, additional money taken from my checking account for " homeowner insurance '' when I always was covered, false reporting of late payments when they had auto-pay, additional fees for XXXX` drive by '' visual inspections to make sure my property was inhabited, and continual phone abuse reminding me of upcoming payments when they had an auto-pay account with me. When their company was shut down, they were ordered to remove any reference to them on my credit reports. They did not. My loan was subsequently transferred to another mortgage company where it was paid on time for the duration. This has gone on for 5 years, and needs to be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: GA

Complaint narrative:
1. In XX/XX/2022, the Plaintiff notified TransUnion LLC, and XXXX XXXX XXXX XXXX about him being a victim of identity theft, he also gave the them a copy of the police report and requested validation of the account. 
2. The XXXX XXXX XXXX XXXX account is still being reported inaccurately, and incorrectly on my TransUnion credit report. Which means XXXX XXXX XXXX XXXX failed to provide timely and accurate information to me concerning the account in question, according to 12 CFR 1024.38. 
3. XXXX XXXX XXXX XXXX deprived my rights by validating an inaccurate, and incorrect account with TransUnion to publish this account on his credit report. 
4. XXXX XXXX XXXX XXXX also failed to validate the account with the third party XXXX XXXX XXXX. 
5. Once I requested information in writing regarding the account that is published on my TransUnion credit report, XXXX XXXX XXXX XXXX denied the account in question and didnt provide any further information about the account, which they are in violation of 12 CFR 1024.36. 
6. TransUnion failed to block the inaccurate XXXX XXXX XXXX XXXX account resulting from Identity Theft within 4 days.

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 2023-10-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK
State: OK

Complaint narrative:
Attempted to withdraw funds from CD from mothers estate, bank refused to release funds for 3 to 5 days until legal could review documents which were scanned into their system. Placed complaint to corporate. As complaint was being placed, received call from branch manager, funds were now available. It is exasperating that we provided all of the proper documentation and this is the only bank of 10 that we have visited to close my mothers estate that refused to release funds from CDs, which she had invested with them, advising us that they would have to wait 3 to 5 days for a legal review. After complaining to corporate, received call from branch advising check was ready to pick up.

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 2023-10-04 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: GA

Complaint narrative:
I am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that i have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

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 2023-10-04 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: TX

Complaint narrative:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND XXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.

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 2023-10-04 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: TX

Complaint narrative:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND XXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: TX

Complaint narrative:
Transunion refuses to remove negative information even after I sent them an Identity Theft Report from FTC and a police report from XXXXXXXX XXXX. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft report until XX/XX/XXXX.They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. These are the accounts in question. All the accounts I am disputing are listed below. I could was only able to upload 10MB on cfpb website. I also sent this information by certified mail to Transunion, XXXX XXXX # XXXX XXXX XXXX ACCOUNT BEGINNING IN XXXX - {$96000.00} XXXX XXXX  ACCOUNT BEGINNING IN XXXX - {$19000.00XXXX XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$10000.00} XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$19000.00} XXXX BEGINNING IN XXXX - {$46000.00} XXXX BEGINNING IN XXXX - {$45000.00} XXXX XXXX  ENDING IN XXXX - {$12000.00} XXXX XXXX ENDING IN XXXX - {$21000.00} XXXX XXXX XXXX  ENDING IN XXXX {$14000.00} XXXX XXXX XXXX  ENDING IN XXXX - {$14000.00}

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 2023-10-04 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'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and 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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have contacted my credit card company through their phone hotline to start a dispute claim for a purchase that was done by accident by my XXXX XXXX XXXX son, and that I attempted to cancel with the merchant, and ended up never receiving the merchandise. The clerk on the phone filed the dispute as a cancellation when it should have been for merchandise not delivered, so the dispute was denied. I have contacted the visa credit card team through the phone and also sent a letter explaining that the main reason should be merchandise not received, but they did not make the correction on the claim. 

I then requested to have a new dispute opened and they once again denied because they changed their system and did not have the documents provided. I have provided several documents showing that I was out of the country when the delivery happened and that I did not sign the package as shown in the delivery confirmation ( which says that I signed for the item but it has no signature on file ). I also provided the investigation report from my building manager showing that the item was not delivered to my building as shown in their package log system. I also contacted my local police which has created a police report under the report number # XXXX. 

The clerk informed me that I can only appeal one last time to their dispute decision, which violates the CFPB since the reason they are using to evaluate my claim is incorrect as per mistake of the customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit Collection Services has reported inaccurate information on my credit report. This has turned into a Collection which is first of all a violation as a consumer. This was opened on XX/XX/2022 with the account balance of XXXX I have no known knowledge of this information. I've also reached out to the company regarding this matter of this being a cause of identity theft, I've completed my police report regarding this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: FL

Complaint narrative:
these late payments i am requesting them to be removed its against the law per 1666b and there is an account with self that does not belong to me and that needs to be removed.

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 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently, disputed Equifax and CFPB. Equifax denied and stating all information are accurate. This time I will submitted again with all information need necessary because Equifax are not doing there job correctly. 

CFPB Writeup : 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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. 

In addition. Equifax date has been on XX/XX/2017. Now I noticed there at least XXXX soft inquires showing on my Equifax credit report in 1 months!!! If this problem is not resolve I will hire a lawyer and take it to another level. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO
State: AR

Complaint narrative:
I opened this checking account at the XXXX XXXX branch. I encountered problem after problem, eventually leading to me requesting the account be closed. I am not bilingual & the English-speaking bankers did not seem to be able to understand my requests either. I requested to update my phone number multiple times ; I was told it was completed, but it still has not been completed. I requested to update my address, and even provided a utility bill showing that the address was incorrect. That was not completed either. I received a debit card with the incorrect name & was then told I'd need to go back to the branch to have it corrected. I did so, and it took 3 hours to get my request completed. I requested checks on four separate occasions, but they were never sent. Eventually, because of all of the continued problems I requested that the account be closed. I was told that it was, and confirmed. This was in XX/XX/2022. As it turns out, the account was not closed & was left open. The bank then proceeded to charge off the account after assessing dormancy fees & overdraft fees on the dormancy fees. None of these fees are valid & should be immediately reversed. Further, the bank has reported the checking account as being charged off with a balance of {$13000.00} to XXXX. That is absolutely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: TX

Complaint narrative:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted FST XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: TX

Complaint narrative:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted FST 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 explanation