vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My account was frozen on XX/XX/XXXX due to a check that I deposited from XXXX XXXX, they said it was fraudulent activity. I called and provided a substantial amount of information including a number to call to verify the check and was told multiple times to call back. I was told to call back on XXXX, XXXX, and today XX/XX/XXXX and there still has been no update. I spoke with XXXX XXXX XXXXXXXX about the check that I deposited on XX/XX/XXXX and they stated it had posted on my account and that there was nothing further they could do. I am just looking for my account to be unfrozen so I can close this account because it has been a headache.

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 2024-11-12 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : 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 2024-11-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have contacted the credit bureaus about the inaccurate account that are being reported on my report and they have not did anything. This is causing me grave financial woes due to their violations of reporting inaccurate accounts on my report. I demand that those attached accounts be deleted immediately.

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 2024-11-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have contacted the credit bureaus about the inaccurate account that are being reported on my report and they have not did anything. This is causing me grave financial woes due to their violations of reporting inaccurate accounts on my report. I demand that those attached accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
From XXXX I have been experiencing a plethora of overdraft fees attached to my checking account with Navy Federal . The payments post extremely late and are left in pending status when I have funds available they wait until the last minute to post the fees leaving me in the negative. I have observed this also done before a ach deposit is made from direct deposit resulting in the bank taking the fees out of my check. They have not returned fees from late post to the account and I have called asking for some assistance with reversal of overdraft fees and assistance with courtesy in regards to my account but have never received any assistance from them to help rectify my account. I have been in this cycle since XXXX. I am aware of XXXX XXXX, et al. v. Navy Federal Credit Union, Case No. : XXXX in the United States District Court for the XXXX XXXX XXXX California XXXX And would like all charges to be investigated and verification of overdraft fees investigated pertaining to my checking account. I feel that there is something wrong I was told to enroll in Oops program and I am still hit with a overwhelming plethora of overdrafts each week. I am aware of The bank collected nearly {$1.00} XXXX in overdraft fees from XXXX to XXXX and I feel I have been impacted as well and discriminated against by Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
I completed in XX/XX/XXXX and they informed me that it would take 3 months for them to pick up the vehicle instead of listing on my credit i surrendered they now list me as 30 day late and next I know they will list me as 60 and 90 day and then repo. they are extensionally trying to destroy my credit instead of stopping and not take 3 months to pick up my vehicle I would like to know why it takes 3 months to pick up my car after I surrendered it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX BANK # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This letter is sent in response to a letter I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
XXXX that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
My credit report reveals that a collection agency called SEQUIUM ASSET SOLUTIONS , LLC says XXXXXXXX XXXX says I owe them. I categorically and vehemently dispute this debt and have absolutely no idea about any debt owe XXXXXXXX XXXX. 
Late last yeXXXX XXXX XXXX, I went to the XXXX XXXX in XXXX XXXX and one of the agents of XXXXXXXX XXXX approached me to give a good deal to switch from XXXX to XXXX. The deal looked so good that I couldn't resist it. After switching, my next bill was about {$540.00} almost twice what I was paying at XXXX. I immediately called XXXX to explain the situation that, their agent at the XXXX XXXX has misrepresented and lied to me and I no longer wanted the service. The service with XXXX XXXX was cancelled and was sent return labels to return the XXXX devices I had bought. About a month later, XXXX contacted me saying I did not return all the devices and that I still have a device still with me. I explained to them that, I do not have their device but the best thing for them was to track the device from their end. I never heard from them till I saw a dip on my credit report just a few days ago. I still maintain that I do not have their device and that, with XXXX of the device they can track the device without trying to make me pay for something I am not responsible for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I opened an account in Bank of America for XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX of XXXX. I funded the account that day as well. They told me my deposit will be on hold because my account is new and they gave me the date of the XXXX. That day came and they actually froze my account and have not let me had access to it since then. I know that everything I deposited has cleared. The money is in my account. Some bankers when I call will tell me some information and other ones will not. They don't have a good communication about what's going on with my situation and therefore don't know what to tell me I feel. They sent me a letter on the XXXX of XXXX dated that said that they have decided to close my account which is fine. I would like my funds to be said to me via cashier 's check and my name sent to my address on file which is XXXX XXXX XXXX, XXXX XXXX California XXXX number XXXX. I've tried to call. I've tried to go into the branch they say in the branch because they comes on hold. They can't let me close the account on my own when I call the back office to say I need XXXX of them XXXX because they can't talk to me over the phone. They are playing games with me. I feel and not treating me fairly. They are the ones who decided to close the account. So I want that to happen and my funds to be mailed to me. I know that my funds have cleared and are in my account as we speak banker. Multiple bankers have told me when I've gone into the branch I have to tell her desk have told me my balance and over the phone they're told. So please help me to resolve the situation and get this taken care of.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-12 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: TX

Complaint narrative:
I have no knowledge about this account, I try to get information on it but I was unable to get it i been trying to resolve this cus in 2024 is when I am working and have XXXX credit card but before I didnt it thats why I have no knowledge of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: MO

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX BANK XXXX XX/XX/year> Employers : XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX Employers : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX was made on XX/XX/year> with Portfolio Recovery, XXXX debt collections agency. The person on the phone named, XXXX XXXX who told me that the debt attached to the account number they provided me with was purchased for the full amount of the debt form the previous company they purchased it from. I asked, for clarity, what that amount was and she stated that it was purchased for the full amount. I asked for her to send proof in the form of the purchase order and said the date and amount they purchased it for. I have yet to receive it as of XX/XX/year>. 

False Representation of the Debt ( FDCPA Violation ) : Under the FDCPA, its illegal for debt XXXX to misrepresent information about a debt, including the amount owed or the nature of the debt. XXXX XXXX knowingly misled me by claiming the debt was purchased for the full amount, this would be considered false representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have an AmEx gift card given to me by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is for {$250.00} and has an expiration date of XX/XX/29. It was declined by XXXX different merchants. When I called AmEx, they told me it was taken by the state as XXXX XXXX As the gift card was not related to me by name, there is no recourse with the State. 

Amex Gift Card # XXXX XXXX XXXX ; Valid thru XX/XX/29

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in XXXX XXXX to be removed. 

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. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to TD AUTO FINANCE in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NVR INC.
State: NC

Complaint narrative:
We were in the process of purchasing a home from XXXX XXXX using NVR as our lender. We were originally scheduled to close in XXXX of XXXX ' and got delayed due to some credit issues on my end. The underwriting process went on on for a few months and NVR kept requesting additional documents to try and help push the loan through. In XXXX of this year more documents to NVR which were provided to them. On XX/XX/year> after XXXX more documents were asked of me by underwriting which were provided the very next day. I provided these documents to NVR and our underwriting and soon after received a document stating since I did not provide documents in time they would keep our deposit due to breach of contract. During this process whenever documents were asked for they were provided in a timely manner. Shortly after this incident we found the house for sale already so we feel we were mislead and lied to by NVR mortgage. We would like to get our deposit back as all conditions were met by us as set by NVR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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