vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have XXXX charges from a rental app called XXXX. I bank with Citibank. They denied my dispute, saying Im responsible for the transactions. I will list the dates and amounts : XX/XX/2024 - {$580.00} XX/XX/2024 - {$85.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$86.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$86.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$83.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$85.00} XX/XX/2024 - {$160.00}

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has continued to not correct my report and remove the XXXX  as instructed by XXXX I have provided the documents many times and yet on XX/XX/24 they send me back a response reported as accurate which its not! They continue to make up reasons behind it

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 2024-04-10 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received verification via email that Shellpoint had received my ex -husband 's loan modification and that we had provided all the requested documentation to show that I was no longer associated with the property. XXXX XXXX confirmed that my name would be removed from the loan with the modification. 

On XX/XX/XXXX I received a notice from XXXX XXXX, an attorney 's office representing ShellPoint, regarding foreclosure. I contacted the office via email. The attorney 's office was unaware that I was not to be associated with this loan. 

ShellPoint has used unethical tactics, such as reporting incorrect information on my credit report after bankruptcy discharge. When I followed their process I sent a dispute 3 times online, and spoke with a representative. I never received a response from the online dispute process, and the representative I spoke to told me that they could legally reopen a mortgage in my name and report it on my credit even with a bankruptcy discharge. 

They also repeatedly denied we had sent them all the information they needed, such as the quitclaim deed, divorce papers, and bankruptcy discharge, event though it had been submitted via email, online portal, and certified mail. This was a tactic to not acknowledge that I was no longer associated with the mortgage. 

I am requesting that ShellPoint send me documentation that my name has been removed from the mortgage, as they said they would last XXXX, and stop contacting me regarding attempts to collect a debt from me, which is against federal bankruptcy law. 

I am attaching the email thread with the conversations, that confirm they did receive the required paperwork and loan modification from my ex-husband, and that they said they would remove my name from the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Bank allowed a fraudulent ( alteration ) check for {$8400.00} to clear my account. They denied my fraud claim immediately because i didnt report the fraud within 60 days and they alleged they contacted the bank of first deposit and there were no funds lefts. They did not release the information about who the bank of first deposit was which is very odd and suspicious. Truist Bank is violating the UCC rule because its a bank to bank dispute. According to the Federal Reserve System, " under UCC 4401, the paying bank may charge the drawer 's account only for checks that are properly payable. Neither altered checks nor forged checks are properly payable. In the case of an altered check under the UCC, the banks that received the check during forward collection, including the paying bank, have warranty claims against the banks that transferred the check ( e.g., a collecting bank or the depositary bank ). The depositary bank typically bears the loss related to an altered check, whereas the paying bank bears the loss related to a forged check. '' Again, this is simply a bank dispute between the paying bank and depository bank unless Truist is both the paying bank and bank of first deposit. Please help.

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 2024-04-10 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: TX

Complaint narrative:
Notice to Agent Notice to principal Notice to CFPB In the matter of the listed items below on the credit file please accept this as a formal notice. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Alleged accounts : XXXX XXXX XXXX XXXX  ALLEGED ACCOUNT # XXXX Address : XXXX XXXX XXXX XXXX, XXXX  Alleged Inquiries : XXXX XXXX XXXX XXXX XXXX  Please delete and block items listed above in the next 3 days 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
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc.
State: TX

Complaint narrative:
Financial Recovery Services continues to contact me even after receiving a letter requesting debt verification as well as a cease and desist notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I was called by XXXX XXXX management on XXXX and XX/XX/XXXX leaving a voice mail without details to call them back. For concern about fraud, I did not return the call. I was subsequently notified that this company reported a debt claim to XXXX. I called on XX/XX/XXXX and spoke with an agent. I inquired about the debt claim and he responded it pertained to the " Apartments ''. I stated I never lived there. I asked who this debt was attributed to and he stated a name. I replied that I had no idea who the person was, nor had I ever met this person. He then asked if the last 4 digits of my SSN were correct and they were. I inquired about what the outstanding debt was related to and he stated " move out charges '' " painting '' dated XX/XX/XXXX. I also stated that I had never received an invoice for the charges in question ( totaling $ XXXX-that includes an interest charge ). The agent asked if this could be a fraudulent claim and I stated yes as I didn't know the person the debt was assigned, nor had I lived at the Apartments. He stated he would email information to file this as a fraudulent came, it has yet to arrive. I recalled my daughter had once lived in these apartments with XXXX other roommates and moved out that same year. As everything was done on-line, interestingly the leasing company no longer allowed her access to her move-out statement that showed she had paid in full. Also, the leasing company never returned her security deposit and there was no accounting of how the security deposit was used. 
The following day, I received an email from Genesis with a bill for {$270.00}. Again, no itemized bill, no proof that I had ever received a bill. Today, XX/XX/XXXX I was notified that my daughter received a similar email for the same bill. In this bill, they have her name correct but have the address of her ex-roommate. All of this leads me to believe that either : XXXX ) My daughter 's ex-room mate owes the debt and this agency is seeking anyone with an association to attribute the debt. Or, XXXX ) The debt is fabricated as I know my daughter never received her security deposit and I can guess her other roommates did not either. 
XXXX ) Both of the above is correct. 

It is clear this tactic of reporting the debt to my XXXX Credit bureau is a willful attempt to pressure payment without ever having to provide clear evidence that a debt is truly owed. I have asked for verification that the debt being assigned is truly mine ; a detailed original invoice for the {$260.00} + {$7.00} interest and what this reflects and neither is forthcoming. I can only imagine Columbia Debt Recovery LLC DBA Genesis is doing this to countless college students, young adults, and senior citizens. This aggressive tactic of notifying one 's credit bureau without providing the evidence seems heavy-handed and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I sent out letter to XXXX, XXXX as as the collection agency IC System regarding the company collecting for XXXX for the amount of XXXX. I stated in the letter that I would like valibation of the account. I requested that they please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

On XX/XX/XXXX I received a response back from XXXX and XXXX taking that this collection is to remain on my credit but I still have not received anything from the company validating any information. On XX/XX/XXXX I sent a second letter to I C System advising that they are still reporting on my credit but still hasn't sent me any information regarding validating that I owe this amount.

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 2024-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I was contacted by CREDIT COLLECTION SVCS via mail about wanting a full payment or arrangement immediately for {$740.00} XXXX XXXX XXXX XXXX, MA XXXX They let me know they had my XXXX in collections, which I hadn't heard anything from anyone in years about, especially because it was covered by health insurance I had at the time, telling me they're going to take action and my credit would be affected and I know they also contacted my father, which no one had permission to do nor did his number ever get submitted on any account by me, so I don't know how they even acquired his number. I never knew or gave permission for my information or account to be sold off. according to 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communications. In reporting to my consumer report, that's a form of communication and also I never knew or provided permissions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: SLM CORPORATION
State: CA

Complaint narrative:
All of these hard inquiries were made fraudulently. I did not make any of them! None resulted in accounts opened. 

XXXX Hard Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX. Tried to dispute with XXXX and was denied. Tried to call XXXX and they put in a credit report for me. 

XXXX Hard Inquiries - They would not let me dispute anything until I filed this report. 
XXXX XXXX XXXX Sallie Mae Bank XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Hard Inquiry XXXX XX/XX/XXXX- I completed a dispute but this was the only inquiry that was not removed as a result of the dispute. They said it was because I have an XXXX account currently, but I did not have one in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: U.S. BANCORP
State: CA

Complaint narrative:
All of these hard inquiries were made fraudulently. I did not make any of them! None resulted in accounts opened. 

XXXX Hard Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX. Tried to dispute with XXXX and was denied. Tried to call XXXX and they put in a credit report for me. 

XXXX XXXX XXXX - They would not let me dispute anything until I filed this report. 
US BANK XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquiry XXXX XX/XX/XXXX- I completed a dispute but this was the only inquiry that was not removed as a result of the dispute. They said it was because I have an XXXX account currently, but I did not have one in 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 2024-04-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-10 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: TX

Complaint narrative:
I am XXXX 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 2024-04-10 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: TX

Complaint narrative:
I am XXXX 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, XXXX, 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-04-10 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

Company response to consumer: Closed with non-monetary relief