vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KS

Complaint narrative:
There has been a derogatory collection placed on my credit file with Jefferson Capital System regarding a XXXX account that I never initiated. This was presented on my report many years ago. I already disputed this item as fraud and it was removed. Here we are again years later and they have placed it unlawfully on my report. This debt is not mine. I never utilized any business with sprint or its affiliates. This is a matter of fraud and my personal information. This item needs to be removed again and permanently from my credit as this is effecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
I am the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports. 
UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22 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: DE

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or around XX/XX/2024 I made a mobile check deposit, it was not until after they approved the deposit did I know that I would have no access to any of the funds for SEVEN days. This check was written by my husband from his personal account to cover utility payments that were past due because of a financial issue we are currently working out of and grocery shopping as we had no food left in our home. I would have never approved or this deposit if I knew before they processed it that I wouldn't have access to the funds for seven days. My bank immediately removed the funds from my husband 's account and we were left in limbo without any access to money, after 48 hours I decided to call my bank and they told me there's nothing they can do about it, so I pushed to speak with someone else... the second person I spoke with agreed to release the funds after I was emotional about not being able to feed my family. When she came back on the line I questioned the legality of this as I have been informed the the Federal Reserve laws state a portion of the funds should have been released after 48 hours and I would have been fine with a portion to feed my family. The girl really pushed my buttons and I admit I was not my best self in that moment and lost my cool l would like to apologize for that. The bank informed me by email today that I'm not longer a customer as of 30 days from now for life due to abusive behavior. I feel abusive behavior is a strong statement, do they close the accounts of every frustrated customer who yells? Can they take any accountability for themselves that if they weren't holding my money from me then it wouldn't have escalated and mostly is this even legal to hold someone's funds they clearly have for seven days?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is basic that this record is excluded from my acknowledge report, as it isn't mine and seems, by all accounts, to be fake. I urge you to promptly address these errors by taking the necessary measures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
I made payment that the XXXX people asked for They then showed a 60 day late. without any 30 day lates. 
I oaid what they asked for on the day. XX/XX/2024. and got a confirmation that I sent them. 

They still say it was a late payment They have made multiple mistakes with payments on both my accts over the last two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
This is not my account. I would like it temp from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a motorized RV 20 year loan, originated with Essex Credit in XXXX, which was sold to Bank of the West and sold again to BMO Bank N.A. in XXXX. I have paid Bank of the West with a coupon book for 10 years of the loan without missing or late payments. 

BMO Bank N.A. notified me that they would be assuming the loan in XXXX of XXXX. Their mailings to me stated there would be no change in the conditions of my loan ( see attached mailings ) and that I would receive a new coupon book soon, but to continue using my current method of payment until receipt of the new book. 

I received one mailed statement of payment due, but no coupon book. I continued making payments with the old Bank of the West coupons. 

In XX/XX/XXXX, I made several telephone calls to BMO N.A. customer service inquiring about the new BMO coupon book and received various answers about why I could not get a coupon book, including, the need to refinance the loan to get a coupon book and that the payment method had been changed by BMO N.A. during the transition process. I requested elevation of my inquiry to a higher level of management at BMO. 

I was transferred to a XXXX XXXX, who informed me that he would resolve the problem and initiate a printing request for a coupon book that I would receive in 7 to 10 days. I did not receive the coupon book and again contacted BMO N.A. customer service in XX/XX/XXXX. 

This time the service agent informed me that I would not get a coupon book due to XXXX XXXX XXXX XXXX rules and that I must use a monthly mailed statement to pay the loan. 

As I never agreed to a change in my payment conditions of my loan, I mailed a certified letter ( see attached ) to BMO Bank N.A. requesting resolution. I received in return, an email directing me to secure messaging service which I had to securely log into and read that BMO Bank was unable to give a payment coupon book due to CFPB rules. I was not permitted to print the secure message. 

At this point, I decided to issue a complaint to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
They keep harassing me by calling repeatedly and now as of XX/XX/2024 they started calling my work number, at my work time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
its over 2 weeks i deposit check to my Chase business checking account, check over {$23000.00} the put hold on the money, the did call the insure the check on 3 way call verified the check was clear end still the money end freezer my account, i went to bank many times try to resolve, i call XXXX -i call XXXX is well for over 2 hours on line, the still not resolve. not just to mention i have auto loan with chase, all my bills is get reject buy Chase bank, im about to lose my home because my rent is late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: DC

Complaint narrative:
Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given TRANSUNION, XXXX, XXXX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN

Complaint narrative:
On XX/XX/XXXX, the day my refund was to be disbursed into my account, via the companies website, my banking information was changed at XXXX XXXX  while I was sound asleep. When I woke up, Id received an email informing me of the changes. I immediately called ECSI and was accused of changing my own information. That makes XXXX sense. I am in need of these funds, badly. ON XX/XX/XXXX, Customer service first told me it would be fixed in XXXX business days. I waited, nothing happened. Called back on XX/XX/XXXX Then I was told XXXX business days. I called back on XX/XX/XXXX and was told it had been processed and fixed and would update on XX/XX/XXXX. Waited and just like before, nothing. On each follow up call I am told something different. Today, on XX/XX/XXXX I am now told XXXX  days. Upon doing research I find out that this company has had multiple complaints for this very issue. Some consumers never received their money yet had to pay it back. Today I requested the employees name and ID #. She said her name was XXXX but refused to give me her ID #. I could tell from her accent that she was not American. When I asked which location she was at I was told they are in XXXX  XXXX. So our Government loans are being handled by other countries. This is not acceptable. 
My bank said that they have reversed the transaction on XX/XX/XXXX. Something isnt adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: DE

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Acceptance has a late payment listed on my account which is not accurate. Made several attempts to have the company to correct this error and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CONSUMER HAS BASIC MEMBERSHIP WITH EQUIFAX VIA MYEQUIFAX.COM, MEMBERSHIP PROMISSED ABILITY TO SEE ADD AND OR REMOVE SECURITY FREEZEZ, FRAUD ALERTS AND XXXX XXXX ALERTS VIA THE WEBSITE. IT ALSO PROMISES OPTION TO SUBMIT DISPUTES. CONSUMER HAS NOT BEEN ABLE TO SEE THEIR FREEZE AND ALERT STATUS VIA THE WEBSITE FOR THE LAST XXXX YEARS. EQUIFAX STATES THIS IS BECAUSE OF A " GLITCH '' IN THE SYSTEM AND SUGGEST CONSUMER SEND IDENITITY VERIFICATION DOCUMENTS IN THE MAIL. CONSUMER HAS CONTINUOSLY SENT THE REQUESTED INFORMATION INCLUDING GOVNERMENT ISSUED IDS AND COPY OF SSN CARD. CONSUMER HAS NO PERMANENT RESIDENCE AT THIS TIME SO ROOF OF RESIDENCE/ UTILITES ARE NOT AVAILABLE. GOVERNMENT ISSUED ID AND COPY OF SSN CARD IS SUFFICE. EQUIFAX HAS FAILED TO RESPOND AND UPDATE/FIX CONSUMER 'S MYEQUIFAX ACCOUNT ALONG WITH UPDATING THE CREDIT FILE DISCLOSURE BECAUSE CONSUMER HAS SUBMITTED REQUEST AND DISPUTE VIA MAIL AND MYEQUIFAX.COM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: VA

Complaint narrative:
UNAUTHORIZED INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My credit report shows a debt from this institution LVNV Funding, when i have never consented or opened and account with them or an account of this amount, this company has not been able to produce a contract i signed with them to open this account or proving the debt is mine they just send bills and sometimes request different amounts to settle the debt. this false information from the institution is hindering my ability to use my credit and get a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This company is reporting a late payment that is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NC

Complaint narrative:
In XX/XX/2023 Afni began contacting me about a hit and run on the interstate in GA. I explained they had the wrong information as I live in NC and was verifiably working on the day in question and had no damage to my vehicle. They continued to call daily. The informed me that I could go to jail since their was a police report. I called the county in question and there was not a police report nor had anyone contacted me or my insurance company about an investigation. In XX/XX/2023 I requested that Afni take my name off their call list. They said they would but the calls never stopped. Sometimes they call 4-5 times a day while I am at work. They have threatened jail and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AZ

Complaint narrative:
XX/XX/23 i sent transunion a letter asking them to verify the debt that they are claiming to to be reported on my credit. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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:
This company is reporting a late payment that is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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:
This company is reporting a late payment that is incorrect

Company response to consumer: Closed with non-monetary relief