vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : ACCOUNT NUMBER XXXX, ( ACCOUNT NUMBER XXXX ), ( ACCOUNT NUMBER XXXX ), ( ACCOUNT NUMBER XXXX ) Dear Sir or Madam : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened a Citizens Access XXXX account on XX/XX/year> and funded it same day with {$25000.00}. Since then I can not touch the money or transfer any money out of account ( money is available but frozen ) and when I call the reps they say we have no information for you except that the account is under review and we don't know why or for how long. Citizens essentially held my money hostage and is not giving me access to any of my funds. At this point I want all my money sent back to the account it was funded from and I want the Citizens Access Savings account closed because these people can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I actually obtained homeowner 's insurance at a lower rate. The mortgage company based the new escrow analysis on a mistaken premium that is about twice the actual amount that I owe. This has increased my mortgage payment from {$930.00} per month to {$1500.00} per month, rather than what it should be, at about {$1000.00} per month, since my new insurance went into effect on XX/XX/year>. I am scheduled at {$1500.00} through at least XXXX, 2024. I have spoken by phone with escrow several times but they can not seem to correct it. I am a XXXX XXXX vet on a low fixed income. I also take care of my XXXX son. I just want them to correct this and get back to where I should be on my mortgage payment. The mortgage company is Newrez in XXXX Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: DC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and 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 non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Assault and battery by web administrator XX/XX/year>. Company altered customer name in email to closed account. Company destroyed original page submission for complaint. I am rich and I need to spend money as soon as possible. Liability alien communism will not allow customer to acquire debt of asset space character of nature attached to given name in competition as artificial intelligence. They completely ignored ID and call XXXX XXXX everytime they see given name ; and provide service based on response from XXXX. XXXX doesn't talk so XXXX won't ever comply to identification of XXXX a they're insane bilingual polytheist and refuse to service customer. Web administrator gave customer a XXXX XXXX over XXXX clear name in email.

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 2024-07-30 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: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MD XXXX : XXXX : XXXX Date : XX/XX/year> BMW Financial Services XXXX XXXX XXXX, OH XXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear BMW Financial Services, XXXX XXXX XXXX to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter. 
1. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by Pacific Concrete FCU v. Kauanoe, 62 Haw 334, please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments. 
Documentation verifying that you have the legal right to collect this debt. 
Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports. 
2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports.

3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I XXXX XXXX Open dispute with Wells Fargo XXXX XXXX XXXX XXXX XXXX for XXXX dollars for a bet on Celtics and mavericks I won but not according to XXXX XXXX so I ask Wellsfargo to dispute and recover my remaining balance on XXXX XXXX account for a total XXXX dollars This XXXX companies are ignoring my request to be fully be refunded for XXXX dollars

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 2024-07-30 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-30 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I was not aware of the existence of this account until it showed up on my Transunion report. 
XXXX/Dept. of ED XXXX My student loans are handled through XXXX. The amount shown is twice the amount of what I owe.

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 2024-07-30 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-30 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Subject : Re : Complaint Regarding Discrepancy in Debt Amount Dear Absolute Resolutions Investments , LLC ( ARI ), Thank you for your response to my complaint. However, your explanation does not resolve the core issues I raised. 

Reporting Accuracy : The {$0.00} discrepancy between the reported balance and the charge-off balance indicates an error. Regardless of the adjustment made by XXXX XXXX  the reported debt amount should be accurate and match the current balance. 

Regulatory Compliance : The collection entry must comply with federal regulations : 12 CFR 1006.34 : Requires accurate and complete debt disclosures.

15 USC 1692g ( b ) : Requires proper debt validation before collection activities.

15 USC 1681s-2 ( a ) : Mandates accurate reporting to credit agencies. 
Given the reporting discrepancy and potential regulatory non-compliance, I am requesting the immediate removal of the collection entry from my credit report. 

Please confirm the removal of this entry within the next 15 days. Failure to address this matter promptly will compel me to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies for further action. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a problem with Capitol one and high interest. I have called them a few times to ask for a reduction on my interest rate or even just a few months of no interest to help get my balance down. I pay on time and pay more then in minimum payment. With interest they take more then half of the minimum payment. I am XXXX and live on a XXXX XXXX Along with the high interest, the credit report used by Capitol one is of no benefit to my credit score. My credit score with Capitol one creditwise is great but it doesn't seem to help my XXXX  score get better. I am unable to get a XXXX interest card to transfer the balance. My credit card balance is under {$2000.00}, but I can't get help to save money in paying living on a fixed income. If I can get my interest rate and balance lower, I will have enough money to buy more food for the month to survive. At the most they charge {$41.00} in interest and my minimum is {$54.00}. I wish I could use some of that money to eat food. They are not willing to work with me and help my debit. I feel Capitol One has to charge high interest to pay for celebrity endorsements. I am sorry I signed up with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I signed for a car loan XX/XX/XXXX for my now ex-wife and she told me through our last communication XX/XX/XXXX via text message that her vehicle was gon na be repoed by credit acceptance but it turns out they never found vehicle and never went after her because I'm the only name on the loan contract and turns out she was considered a third party as I later learned. I contacted credit acceptance XXXX  times to see why they could not pursue the vehicle in question and they reply by telling me its up to me to locate which I don't understand if its there vehicle but with a search with been verified and another site I located the where abouts of the which ended up at a salvage company in XXXXXXXX XXXX where it was crushed and sold for parts so I tell this to credit acceptance and all they ever want is me to make some kind of a payment for a vehicle that was never mine in the first place except for my signature of course and Definity a mistake ill never make again. I even called the salvage yard located in XXXXXXXX XXXX  and they were able to confirm the information and it was crushed on XX/XX/XXXX so how do I get credit acceptance to finally leave me alone so I can finally get my credit score back on track and move on with my life.

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 2024-07-30 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Disputed XXXX  account because its reporting inaccurate information. XXXX updated the information EQUIFAX is adversely the information. The data XXXX  furnished didnt change an the account is still reporting in error which make it a violation of the FCRA an must be removed immediately as remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief