vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Please remove from credit report, it's affecting my livelihood

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 2024-03-03 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a hard inquiry on my credit report from LightStream bank and it was supposed to be a soft credit pull. No where on their site or in their XXXX XXXX XXXX did it say that it would appear as a hard credit inquiry on my report. I never received the loan, nor did I get a reason why I got declined. Either way, I think its unfair for me to have a hard inquiry on my account from a bank that provided little to no clarity on the process. In addition to that, most alternative lending companies do soft credit pulls so you can see what rates you qualify for.

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 2024-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
This company is fraudulent. Ive been locked out of my account for months because they cant verify my phone number and they wont send me an affidavit no matter how many times I call. I was assuming their protocol is just XXXX but when I just tried to log into Marcus, they asked how I wanted to verify the log in and my phone number was listed as an option to receive the code!! Furthermore, why would they even let me open the account and put in money without verifying first if that was really the problem? It was fine until I tried to withdraw the money and they locked me out. It has been an enormous headache to communicate with them because they do not want to help me figure this out and wont let me talk to anyone higher up in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: OH

Complaint narrative:
XXXX offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX XXXX has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Upgrade offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX Upgrade has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX XXXX has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Under XXXX Membership # XXXX Section XXXX XXXX reporting only. 

Section XXXX and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what XXXX is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same BOA Cards & XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under XXXX Membership # XXXX XXXX Equifax Credit reporting only. 

Section XXXX and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what Equifax is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same XXXX XXXX XXXX XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TX

Complaint narrative:
Under my XXXX Credit membership. I am seeing an issue with the below information. 

I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have XXXX of the same XXXX XXXX XXXX Capital One Cards.. 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I attempted to initiate a fraud alert with Transunion on XX/XX/24 after I noticed fraudulent rental history on my transunion credit report, but I was denied access to my account and transunion would not allow me to file an alert even after speaking with customer service. I was told I could not log onto my account and alert to fraud until I had sent Transunion a photo id and documents that show my residency. Do to the pressing nature of fraud, I believe consumers have the legal right to alert to fraud on their account in a way that is not unreasonable or difficult for the consumer.

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 2024-03-03 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
They are four fraudulent inquiries thats done on my XXXX and XXXX and XXXX credit report that I need to be removed immediately!! The four fraudulent inquiries are .ALLY FINANCIAL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX I need these inquiries to be removed 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 2024-03-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXX # XXXX ] XX/XX/XXXX XXXX and TransUnion is claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.

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 2024-03-03 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:
XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXXXXXX # XXXX ] XX/XX/XXXX Equifax and XXXX XXXX claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXXXXXX # XXXX ] XX/XX/XXXX XXXX and XXXX is claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am XXXX  enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.

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 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For 3 Years I have been a victim of a romance scam, CyberStalked, and potentially used as a virtual cash mule by the scammer. All of whom are the same entity. 
A letter of resolution was sent to all companies involved, XX/XX/XXXX. Wells Fargo refused to reimburse me for the money lost, stating that they didn't have enough information, and they had proof of intent by me the customer. Another complaint was sent with more information about the situation from me explaing details, a rebuttal letter was sent the same day.XXXX  XXXX, XXXX, XX/XX/XXXX, response was sent by Wells Fargo validating that my accounts where compromised and closed 4 different times resulting in a business decision by them to terminate business. 
No explanation for why. 
I responded disclosing that I am XXXX and living with multiple disorders and struggle to work. 
This message went unanswered. 
The 3rd party service used was also contacted at the same time. Said that the money was unrecoverable and permanently lost. 
Early XXXX, I submitted a complaint to the CIA and FBI. 
( No response, but not expected )

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 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My credit report says my last payment was XXXX and I have a delinquent account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
I am writing to dispute the validity of a debt associated with a XXXXXXXX XXXX credit card account that has been reported on my credit file and is currently being collected by your agency. It has come to my attention that this account was opened fraudulently in my name and without my consent or authorization. I have already initiated a dispute with XXXXXXXX XXXX  regarding this matter, and I am in the process of resolving the issue directly with them. 

Furthermore, I wish to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681b ( a ) ( 3 ) ( A ) of the Act. Your agency has conducted an inquiry into my credit report without a permissible purpose, as I did not directly and voluntarily seek credit from either XXXX XXXX or United Collection Bureaus , Inc., nor did I authorize your agency to access my credit reports. This violates my consumer rights under the FCRA.

Given these circumstances, I am requesting the following actions : Immediate cessation of all collection activities related to this fraudulent account. 
Removal of any related entries from my credit report to prevent further harm to my credit standing. 

A written confirmation from United Collection Bureaus , Inc., acknowledging the fraudulent nature of the account and detailing the steps taken to rectify the situation.

I am including copies of all relevant disputes previously sent to XXXX XXXX and any correspondence received from them regarding this matter. I expect a prompt response to this letter, addressing the concerns raised and outlining the actions your agency will take to resolve this dispute. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
This security agreement between me and ally financial clearly states the applicant and consigner has given an security interest in the vehicle to be purchased. We have not received any such interest. This could only mean the lender is misrepresenting themselves in my security interest which i know to be the highest level of fraud. Not to mention no repossessions notices none of the times you guys tried to steal my property.

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 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Several " collections '' companies, using different names and contact information, have repeatedly sent demand letters over the past 7 years to collect a XXXX XXXX debt from me that is not mine. Furthermore, I have never had an outstanding debt to XXXX or and of it's subsidiary companies. I have also never had a relationship with any of the collections companies listed below or any other unnamed companies attempting to collect this fraudulent debt. 

Collections companies perpetrating this fraudulent collections activity include : [ XXXX, XXXX ] [ XXXXefferson Capital Systems , LLC ] Information Listed in their fraudulent notice : Account number : XXXX Reference : XXXX Amount Owed : {$2300.00} Date of Notice : XX/XX/2024 Reply By Date to Dispute : XX/XX/2024 This is fraudulent and repeated XXXX  tactic to scam people out of money for fear of having a collections account on their credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
RE : Dispute of Derogatory Marks of Collection Accounts on Credit Report on XXXX XXXX I request to dispute the accuracy of information reported on my credit report. Specifically, I am challenging the collection accounts listed by AMERICAN COLLECTIONS ENTERPRISE , INC. ( ACHI ), related to charges from XXXX XXXX XXXX XXXX. Details are listed below. 

Details of Collections Collector : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Opened : XX/XX/2018 Amount Due : {$410.00} {$1300.00} These charges stem from an involuntary hospitalization, a result of a welfare check, conducted by the XXXX XXXX Police Department ( XXXX ) in Virginia due to a severe mental health crisis. At that time, I was a full-time student, and insured through XXXX. However, XXXX didn't cover the costs associated with the hospital services provided. I was under severe mental distress, as documented, and was not in a position to consent to any XXXX XXXX provided. 

I believe that these circumstances free me of direct financial responsibility for these charges considering I was under custody of the FCPD and was involuntarily admitted to the hospital. 

Currently, I find myself facing significant financial and emotional distress due to the resultant derogatory marks on my credit report. 

I request a thorough investigation into these entries and, based on the unique circumstances outlined above, their removal from my credit report. 

Please let me know if you have any questions.

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 2024-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Hello I was Contacted From These Two Companies Resurgent Capital Services & LVNV Funding LLC. Can't Seem To Figure Out Why This Company Is Trying To Reach Out To Me On A Alleged Debt When They Are NOT Legally Licensed & Bonded To Collect Any Debt From Me In The State Of Georgia. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d-Harassment And Abuse I Have Been Harassed And Now I Have Trauma Because This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you RESURGENT CAPITAL SERVICES & LVNV FUNDING LLC that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information. ACCOUNT NUMBER ENDING XXXX RESURGENT ID : XXXX

Company response to consumer: Closed with non-monetary relief