vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I have not opened up a XXXX account in XXXXXXXX XXXX XXXX. Its saying that I have a debt of {$91.00} for not paying when I never opened one with them now it is on my credit. I dont have XXXX  at all. After looking at who put it on my credit report I see that they are a scam company after looking the company up. Sequoia Asset Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS WSLFRG XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from WSLFRG XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-03-01 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS AFFIRM INC XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from AFFIRM INC WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I requested a payoff from Upgrade. They provided the amount and I set it up on their site. The funds were posted and they confirmed the account was paid in full. The very next day, they took another installment of {$1000.00} despite the fact that the account was already paid in full. I reached out to the company. They acknowledged the error but insisted that I would have to wait ten days before they would process a refund for the credit balance they took without my authorization. They hesitated to put on a supervisor but finally did. I spoke with a supervisor and was told the same thing. When I insisted that I should not be penalized for their acknowledged error, I was hung up on!! The payment history is attached from Upgrade itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: WI

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The collection agency is reporting a debt that I am not liable for. When I requested information in the form of the signed lease and the collection assignment agreement. The collection agency responded they did not have any of that information, but continue to report this debt as mine. I in return requested the debt be removed from my credit report since I have never resided in that apartment or the state the apartment is located in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS TRANSWORLD XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from TRANSWORLD XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
their is a lot of inquires on my credit reports that don't belong to me XXXX, Equifax, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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:
their is a lot of inquires on my credit reports that don't belong to me Experian, 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 2024-03-01 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: NY

Complaint narrative:
their is a lot of inquires on my credit reports that don't belong to me XXXX, XXXX, trasunion

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 2024-03-01 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:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
I did not authorize the creation of these accounts, and I am certain they are fraudulent. I request that you investigate the matter and expunge them from my credit report. I have furnished supporting evidence to corroborate my position.

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 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I did not receive the loan statements for XXXX, XXXX, and XX/XX/XXXX and for the months of XXXX and XX/XX/XXXX. They are sent to me via United States Postal Service mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: ND

Complaint narrative:
We have our mortgage with PennyMac, we have our flood insurance and homeowners insurance paid out of our escrow. 

XXXX XXXX Sahn from Penny Mac had called me at XXXX XXXX  to inform that they had paid a flood insurance payment out of escrow but they had paid it to the wrong policy, ( a completely different account holders policy ). This resulted in " non-payment '' of our flood insurance policy and was cancelled. Penny mac had made the error in XXXX of XXXX and called us in XXXX of XXXX ( almost a year later ) to inform of the error. 

XXXX had sent an email ( see attached ) to our insurance agent admitting the mistake and to work with us to get a new policy, new flood insurance policy was in play by the afternoon of XXXX. 

XXXX XXXX had put a gap flood coverage plan in place for XXXX and will expire on XXXX. I had received a " notice of cancellation '' letter after I already had replacement insurance on file, letter dated XXXX. ( all XXXX letters from Penny Mac are attached below ) We have never had a missed payment with our mortgage or insurances since we have had PennyMac services.

Since this was an error on Penny Mac part, which was admitted in email to insurance company. We are being charged gap coverage and fees due to the " cancellation/non-payment ''. 

I spoke with XXXX XXXX on XXXX at XXXX with Penny Mac and a ticket was submitted on my behalf to rectify the situation the request was as followed : XXXX obtain the XXXX that was paid to incorrect party back as a credit to our escrow- this was completed I believe XXXX. Reverse any gap coverage amount and fees ( XXXX for the gap coverage and possible fee of XXXX ( see letter dated XXXX and XXXX from Penny Mac ) I spoke with a supervisor XXXX and again reiterated that it was not the fault of us that a payment was made to the incorrect policy. She did state that a ticket was entered and will be finalized by XXXX and we will get a call from Penny Mac. 

XXXX I called Penny Mac at XXXX and spoke with XXXX, he said that the ticket was closed out on XXXX and that the outcome of the review is that XXXX as the consumer would be responsible for the gap coverage and fees, which is a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-01 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My account was withdrawn from. Without my consent, there was a cash advance that was executed. But it wasnt done with any of my routing or my account number. And the account wasnt linked with the company anymore for my own reasons and financial choice. The associated debit card was frozen as well but somehow it was still processed. Theres no way possible for the account to bel linked to the company unless provided by me. And I didnt authorize it or perform a liking of my account and the company. The debit card was frozen and still somehow is able to perform debited transactions. Also the loan isnt due back until a later date this month. Not on this day of the withdrawal or the debited date. If account not linked how is a payment made? If the debit card is frozen how has it processed a transaction? 
This is unauthorized access and account hacking and or actions performed to allow these transactions to take place without my consent has to be an action that Im is illegal or not acceptable by NCUA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian concerning the inaccurate reporting of negative claims on my consumer credit profile. I have serious concerns about the validity and accuracy of certain claims and believe that Experian has failed to comply with essential reporting procedures. 

On XX/XX/2024, I sent a Procedural Request letter to Experian, providing details on the procedures used to determine the validity of the bankruptcy reporting on my credit report. The tracking number for the delivery confirmation is XXXX. 

As per FCRA Section 61, paragraph ( 6 ) ( b ) ( iii ), Experian is legally required to provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of receiving a consumer 's request. Today marks the 23rd day, and I have not yet received the requested information. 

I hereby request proof of compliance by providing the tracking number of the response to my letter or immediate removal of the bankruptcy reporting on my credit profile due to failure to provide the requested information. XXXX or XXXX XXXX is not the original furnisher of this erroneous information, and since the court does not report bankruptcies to credit bureaus nor verify information with secondary collectors, the information must be validated and deleted. 

Enclosed are copies of the letter I sent to Experian and a letter from the court stating their non-reporting policy. 

I respectfully request the following actions from the Consumer Financial Protection Bureau : 1. Immediate removal of any unproven or inadequately reported negative claims from Experian 's records and cessation of future reporting until compliance with reporting standards is demonstrated.

2. A comprehensive review of Experian 's reporting practices to ensure conformity with federally defined timeliness, accuracy, and completeness standards.

I trust that the Consumer Financial Protection Bureau will address this matter promptly and diligently to safeguard my consumer rights. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history.

Thank you for your assistance.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I filed 2 claims where I provided information as well as police reports to my debit card being stolen. Though it got denied twice, I reopened it again for the third time last week because my funds were clearly stolen yet they kept denying it. As I tried to access my account yesterday, XX/XX/XXXX, it stated I was no longer enrolled. I called Bank of America and they stated they closed my account that morning due to business decisions. They stated I did nothing wrong and this would not appear on my credit check however they would continue with their closing process. This impacted me heavily as I get my paychecks on the first of each month ; with such a late notice before my paycheck was deposited, my direct deposit then entered a closed account. They stated I must wait 3 weeks to receive my check in mail however I can not wait that long. I thought I was a protected customer which is why I filed those claims, however it seems as if they chose to protect the thief rather than their own customer.

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 monetary relief
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from 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 explanation
Consumer complaint received 2024-03-01 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: NV

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. 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