vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
On XX/XX/2023, I deposited a check on my account from my bank account at XXXX XXXX for an amount of {$800.00}. Since then my account is freeze without having any notice or informing me the situation or reason. 
I went to my branch and my banker XXXX XXXX ifnormed me that they need a bank statement from my account at XXXX XXXX was paid. 
I sent that information twice to him and the issue with my account remains, They are seizing my money without any valid reason.

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 2024-02-26 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: FL

Complaint narrative:
Please see attached 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
I received a notice for XXXX XXXX XXXX XXXX ( 2nd violation ) the 2nd one was inadvertently on the 1st ones account number.

when notified that 2nd wasn't paid I contacted the reporter and supposedly had it all straightened out.

the fine was transferred from 1st to 2nd XXXX however there was late fees incured re spoke to to the people that were collecting for the fine was directed to another govt agency who informed me by email that it was fixed. 

Then I got a notice for PAM a collection agency that they had added more cost on top of the now ( I was told fixed account ) I have spent more than 3 hours on hold listening to their hold music and have not been able to tell them that there info is wrong. 

PAM professional account management XXXX XXXX XXXX NY XXXX www.pamcollections.com ( no way to contact them thru here either ) XXXX my account # XXXX and zip code XXXX ( they ask for it in the ID process. ) the letter is dated XX/XX/2024 XXXX XXXX XXXX XXXX but when you call them they refer you to XXXX which is where I got the email from saying my account was clear

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 XXXX 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-26 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: GA

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX   has violated my rights. Or a list of inquiries : 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 2024-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
I received a collection notice from Revenue Group. On XX/XX/year> I completed a form on their website requesting a detailed description of the invoice related to the amount they say I owe ( {$1300.00} ). I did not receive any communication from Revenue Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed this with the company directly and I never got a response from them every time I call so they can correct it they dont. The problem is from their end because they were not taking payments from my bank account. They were taking it a week after my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated an outgoing transfer from my Citi checking account to my XXXX XXXX savings account for {$1000.00} on XX/XX/XXXX. Upon making the transfer, I was informed that the funds would be available on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received the money in my XXXX XXXX savings account. The transfer I made is still shown as pending in my Citi checking account on XX/XX/XXXX. I have contacted Citi Bank several times, and the only response I received from them was to wait.

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 2024-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Monarch Recovery Holdings, Inc.
State: IL

Complaint narrative:
Monarch legal group charge high fees and use third party who charges fees to debit from my account. They extended my program and have not paid all creditors but reported they did..my creditors show charge off on my credit report but monarch report as debt settled. Reprise financial services also charged me high fees for debts from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
In XX/XX/year>, I applied for the USDA 's mortgage recovery advance through Carrington Mortgage Services ( which holds my home loan ) which allows the payments i couldn't make while on COVID-19 plan to be added as a lien to the end of my loan term, due in XXXX. In XXXX, my application was processed and accepted. In XXXX, Carrington first sent the documents with instructions, which we signed and had notarized at my bank, in their entirety, and were sent back via the XXXX  label provided. A couple weeks later, they said that the notary forgot to initial a correction on XXXX of the forms. They sent the docs out again, we had them notarized and signed in front of the notary again, for a second time, and sent them back via XXXX. Same thing, but this time they said we forgot to sign XXXX of the forms, which is literally not possible. There were only XXXX sheets. SO we signed them again with the notary, XXXX  them back... and then they called to say they not only can not see a signature, but that they messed up and shouldn't have included my mother 's name on the promissory note form. This time, they said they would schedule a notary to be sent to us, who would also mail the forms back directly to ensure that they are done correctly. Now, several phone conversations later, I get a notary from Ohio that contacts me and says that they gave her a Ohio address, but my phone number. Meanwhile, live in Washington and have never lived in Ohio, my home is Washington, and my loan is under my home address in Washington. I have countless phone conversations with them, am given different information every time I call. I have requested to speak to a supervisor numerous times and they refuse to let me. I have missed hours of work to have these documents notarized and sent back time and time again. I feel like they are intentionally doing this so that they can try to foreclose on my home. I am set to resume payments under this plan, on XX/XX/XXXX. I have all our email correspondence, phone records, etc to support this. In addition, from the very get go, Carrington was holding onto my mortgage payments for over a week at a time to accumulate late charges, and would report to the credit agencies almost as an intimidation tactic. Finally, I would like an outside source to verify that the documents are correct and are not taking away my rights under the USDA loan, because Carrington has included verbiage in my documents that any changes or modifications to the loan would be allowed so that Carrington can sell it at any time to another bank. They are forcing me to sign this as a part of the documents for my mortgage recovery advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-02-26 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
Dear CFPB, I am writing to express my deep concern and frustration upon discovering that XXXX and Experian have reinserted previously deleted accounts on my credit file, mirroring the inaccuracies reported by XXXX. This situation is profoundly unfair and highlights a troubling tolerance for inaccuracies within their reporting system. 

I was taken aback to find out that the once-deleted accounts are now reappearing on my credit reports without any prior notification or explanation from these bureaus. This lack of transparency and failure to communicate with their verification process is not only unsettling but also puts me at a significant disadvantage as a consumer. 

I strongly believe that the continued inclusion of these reinserted accounts is unfair, biased, and perpetuates discrepancies on my credit report. I insist on being informed of these bureau 's verification process and the rationale behind reinserting previously deleted accounts. Transparency in these procedures is crucial to maintaining trust and ensuring the accuracy of consumer credit reports. 

I request the prompt deletion of these unfair and biased discrepancies from my credit report to restore accuracy and fairness to my credit profile. It is my right as a consumer to have accurate and reliable information reflected in my credit report, and I trust that you will take swift action to rectify this situation. 

I appreciate your immediate attention to this matter and expect a timely resolution.

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 2024-02-26 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of 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 2024-02-26 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of 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 2024-02-26 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: TN

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: MI

Complaint narrative:
I've been trying to work with a certain mortgage home lender for the past year & for the past year Equifax has been barring access to my credit report. When I call in they tell me that there are freezes nor.fraud alerts on my report but it keeps coming back as frauded. This situation is egregious. Please assist with rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian Information Solutions ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : 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 2024-02-26 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: CL Holdings LLC
State: CA

Complaint narrative:
Subject : Formal Dispute of Fraudulent Account - Account Number XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the account listed on my credit report under the name " Jefferson Capital Systems XXXX and associated with account number XXXX. Upon careful examination of my credit report, I was alarmed to discover this account, which has been opened fraudulently and does not belong to me. 

I categorically deny any association with the aforementioned account and assert that it has been fraudulently initiated without my knowledge or consent. Moreover, I am deeply concerned by the apparent lack of compliance with key regulatory statutes, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Specifically, I have not received any prior notice or communication regarding the existence of this account, as mandated by the FCRA, FDCPA, and XXXX XXXX guidelines. The failure to provide me with proper notification of this account is a serious violation of my consumer rights and underscores the urgency of rectifying this matter. 

Furthermore, I am deeply troubled by the potential ramifications of this erroneous entry on my credit report. If this fraudulent account is not promptly removed, I will have no choice but to seek legal recourse through my legal counsel. It is imperative that Jefferson Capital Systems takes immediate action to investigate and rectify this egregious error. 

To support my dispute, I have enclosed a copy of my military orders, which details the fraudulent nature of this account opening and my not being able to open said account. Additionally, I have provided evidence of my whereabouts during the time period in question, further substantiating my claim. 

I demand that Jefferson Capital Systems conducts a thorough investigation into this matter and provides me with a written response detailing the results of the investigation and any actions taken. Furthermore, I expect full compliance with all relevant regulatory requirements, including the prompt removal of this fraudulent account from my credit report. 

Please be advised that all further correspondence regarding this matter should be directed to my legal counsel. Should this dispute not be resolved satisfactorily and the fraudulent account not be removed from my credit report, legal action will be pursued without further notice. 
Thank you for your prompt attention to this urgent matter. I anticipate a swift resolution and the restoration of accuracy to my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation