vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was upset with Truist over refusing to do a cash advance to transfer funds from my online only bank account like they did every month. Instead they made me use ATM & charged me {$6.00} in fees to my Online only account. I told them if they couldn't refund fees to close my account. I had everything stopped from going through TRUIST. If they hadn't made me go to the ATM and charged the original fees I would have closed my online only checking account and sent all my money to Truist. I forgot to change my XXXXXXXX XXXX so I transferred money to cover it & requested my account be closed. I get a call in XXXX that my account is overdraft because of 2 monthly maintenance fees. 

TRUIST agreed to refund fees told me to call back in 3 days to close account. When I called back, the offshore rep laughed told me they could NOT close my account because I had XXXX cent in my account. I said keep the XXXX, donate it, mail me a check for it, I don't care it's a XXXX just close the account. He refused. I let him know if I received any more fees on this account I would be filing a complaint. So here we are today.

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 2024-12-19 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: Experian Information Solutions Inc.
State: NY

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.

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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Mgmt XXXX XXXXXXXX XXXX XXXX  XXXX Attention : Consumer Support Serv. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA. XXXX XXXX, MI. XXXX Greetings I am in receipt of the attached correspondence from your company. I dont know who you are nor do I have any contracts with you. I have also not authorized your company to use my name in any way, shape or form- as there is a copyright on it. You are FIRST, in violation of that copyright. 

Secondly, this is an attempt to extort using FALSE and MISLEADING information. It is also slander and defamation of character. There is no alleged debt that is verified or validated by your company or any others as stated in the header of your correspondence, because XXXX has redeemed funds from the US Treasury using this security AND a threatening XXXX LETTER does not serve as validation or verification. You are in flagrant violation of the FDCPA. But, nonetheless, I have filed the proper paperwork/forms with the IRS so that you can answer to them about your illegal activities and tax evasion. I am sure they will be glad to examine your books to rectify and VALIDATE/VERIFY where the money is or is going. 

You do have 5 days to cease desist all false reporting, including and not limited to any and all credit reporting agencies.who have been alerted and will be included in any RACKETEERING charges that I file along with complaints to the Attorney General. Your poor reputation precedes you and is well documented. 

Please accept this as your warning and a cease and desist of all activities pertaining to your attempt to extort. The proper authorities will contact you for further investigation and enforcement. 

Have a nice day. 

XXXX : XXXX letter from Midland Funding - copy Name copyright CC : CFPB XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
I am writing to formally request the blocking and deletion of the following account from my credit file due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the fraudulent account associated with my name. The details of the account in question are as follows : Account to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/year>XXXX XXXX Amount : {$15000.00} As this account was opened fraudulently as a result of the data breach, I request that it be blocked and deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation that this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of the following account from my credit file due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the fraudulent account associated with my name. The details of the account in question are as follows : Account to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/year> XXXX Amount : {$15000.00} As this account was opened fraudulently as a result of the data breach, I request that it be blocked and deleted from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation that this account has been 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

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 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: WI

Complaint narrative:
I stopped by the XXXX XXXX XXXX, Advance America office XX/XX/year> to discuss lowering the interest rate of a {$1400.00} payday loan received XX/XX/year>, which is about 212 % - they wouldn't lower the interest rate, however, agreed to a month 's payment suspension for XXXX. That helped at the time so I could catch up with bills and buy groceries. The loan is XXXX XXXXXXXX, I receive social security and live check to check. Fortunately, my XXXX XXXX pays utilities quarterly, and I receive energy assistance ; however, I'm strapped for money every month and sometimes go three weeks without a dime. I always pay my rent ; I live in a age-qualified, limited income apartment. 

I've contacted CAP Services through XXXX XXXX for a grant or small {$2000.00} loan, and I was denied because of my credit score. I've gone from a XXXX to a XXXX in half a year. It was a real blow to me. 

I am hoping I will receive the XXXX XXXXXXXX XXXX, which could be at least {$1200.00}, so it is possible I could pay the loan off with that amount. 

I never in my life thought I'd be in this situation- I have always paid my bills and still continue to do so, even though it's hard to keep up with this loan taking a quarter of my check. 

I'm not asking for it to be wiped away, just lower the payment in half or the interest rate to a normal, reasonable amount- but over 200 % is outrageous. They've already received the amount of the loan in principle- it would have been paid if full this month. 

Thank you for your time, and I'm hoping something can be worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, my new year escrow starts. On the beginning of the escrow, I had a left-over cushion of {$500.00} on XXXX. My new escrow calculation is XXXX. + {$78.00}, ( the latter the negative # ), bring a total of {$1200.00}. According to RESPA, I'm supposed to have up to 2 months plus the minus default. Rocket Mortgage has been charging me for 5 years overage beyond 2 months requested for 5 years, on few occasions even changing the price of my home insurance to gather extra money on my escrow, ( ex. : in XXXX, my HOI was XXXX XXXXXXXX, they made the escrow calculation as XXXX. For 13 month I paid an excess of XXXX XXXX, every time I tried to talk to them the escrow is wrong, they dismissed me. 
I've been trying to explain to them if my cushion was supposed to be {$1200.00} on XX/XX/XXXX and they already had {$500.00} from XXXX without counting my XXXX payment, I own to them only {$760.00}. They refuse to acknowledge and they are asking me to pay the full amount or add XXXX XXXXXXXX. for 12 months. 
In XXXX, I was able to lower my HOI {$260.00} ( XXXX ), my School Taxes {$560.00} ( XXXX ) and removal of PMI {$100.00} ( XXXX ). A total reduction on my escrow of {$940.00}, I asked them why I still have to pay shortage in XXXX, XXXX, XXXX on my escrow and they refused to take it off. By the end of my year escrow was {$2200.00}, this was completely unnecessary. They eventually refunded {$1700.00}, then later asked me to give them back {$1300.00}. I told them I was going to review the numbers, it turns out they again refused to fix my HOI amount, and they increased XXXX XXXXXXXX, I told them to fix it. They didn't do it, then now they did and asking me to give another 2-month payment on the top of {$500.00}. I'm on XXXX, my SS pay isn't high for the bank request excessive payment because they don't want to make proper calculation, The only time I as late, was when XXXX took over the payments during COVID-19, the second time, they pay them the months in advanced. 
I feel that I've been discriminated and taken advantage of, because XXXX is not my native language, and is isn't good enough to argue with them. Like they told me there is no HOI XXXX XXXXXXXX and I did believe because I was ignorant in the subject. It has been a quite a while that I've been trying to educate myself about the escrow on my own and doing the calculations and search for my rights on CFBP articles, I would appreciate if I can have this matter resolved, since they are refused o do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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 review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report as they are 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 2024-12-19 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: IL

Complaint narrative:
Dear CFPB Team, Im reaching out again because I feel completely stuck and unsupported in dealing with the fallout from my stolen wallet. Since XX/XX/year>, when my wallet was stolen at an event in XXXX, Ive been working tirelessly to resolve the resulting credit issues. Despite quickly canceling my cards and reporting the theft to the FTC ( Report Number : XXXX ), I later discovered multiple unauthorized hard inquiries on my credit report. and Ive reported these issues to XXXX, Equifax, but they are not doing anything meaningful to help. Despite explaining the situation and providing evidence, I feel like Im being ignored. The inquiries, which were clearly fraudulent, remain on my report, and its affecting my peace of mind and financial standing.This has been incredibly frustrating and disheartening. The credit bureaus seem indifferent to the stress this has caused, and Im not getting any closer to a resolution. Im pleading for your help to ensure these inquiries are removed. 

I truly appreciate your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
i recently deposited into robinhood from my bank account and as soon as i bought XXXX they restricted my account and wont let me withdraw my money or even buy assets. ive seen hundreds of people having this same issue on XXXX and they said to contact the CFPB so here i am. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I contacted Ford Motor Credit to have the Lousiana Servicemembers Civil Relief Act applied to my previous account that was opened in XXXX of XXXX and closed in XXXX. During this time I was XXXX XXXX military and my interest rate was above the interest rate set in place by the Louisiana SCRA. I reached out to the company and notified them of this as well as provided the company with the Louisiana law to reference and was denied by the company 's legal department, even upon my request that they review the revised Louisiana version of the law in saying that the account was opened during my military service and while I was stationed in North Carolina. I am now stationed in Lousiana as of XX/XX/XXXX. This Act applies to me, however the company will not honor it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
My credit report includes accounts that are incorrect and should not be listed under my name. This is not only unjust, but also highly concerning, as I have never engaged in or authorized the actions associated with these accounts. If you fail to investigate and resolve these discrepancies, I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
My credit report includes accounts that are incorrect and should not be listed under my name. This is not only unjust, but also highly concerning, as I have never engaged in or authorized the actions associated with these accounts. If you fail to investigate and resolve these discrepancies, I will be forced to take legal action.

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 2024-12-19 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: CA

Complaint narrative:
Incorrect reporting of dates and charge off, balance

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 2024-12-19 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:
FCRA violations : inquiries not mine 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-19 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XXXXXXXX XXXX someone renting an apartment using my personal information I had no knowledge of this transaction. Upon applying for credit. I learned that a collection account was filed on my credit report in the amount of {$9400.00} for the rental of this apartment in XXXX to at XXXX XXXX XXXX I want this collection entry removed from my credit report and the entry listed as fraud.

Company response to consumer: Closed with explanation