vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
I am lodging this complaint personally. After examining my credit report, I found instances of late payments. Despite sending inquiries over 30 days ago, I have not received a response nor satisfactory validation. I respectfully seek your assistance in rectifying 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 2024-06-09 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:
I am lodging this complaint personally. After examining my credit report, I found instances of late payments. Despite sending inquiries over 30 days ago, I have not received a response nor satisfactory validation. I respectfully seek your assistance in rectifying 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 2024-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was in foreclosure for some time, my lender would not send the modification papers back in time for sheriff 's sale. The investor had asked me to buy the house from them after sheriff 's sale. But investor wanted me to move out then close our new loan and move back in. It was a ploy to get me out of my house that I put 20 % down when I bought in 2005. The investor had about 100 mortgages with the same bank as mine. There were definitely deceptive practices don'e to me, so the investor could get my home for XXXX on the dollar. I feel like I was ripped off my life and forced to rent now for last 8 yrs. I want to own my home again very soon can anyone help me.

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 2024-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
They did not, have not resolved this matter! My mortgage is current, my property taxes are current-nonetheless the portal reflects a XXXX  payment due and XXXX payment due! I was told because they infringed and double-dipped that I owed {$9.00} which was submitted immediately. My last conversation on XX/XX/XXXX was in 24 hours my account would indicate absolutely current. It does not! Every telephone call promises made and never, ever followed through! Please my attorney has requested that I get the documents from them beginning XX/XX/2024. They have not given me said documents and my bank absolutely reflects payment history! This company lies during each and every verbal encounter and zero follow-up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX and Im an reaching out with a few questions regarding the portfolio recovery account that originated from XXXX XXXX. I did open multiple disputes over the years as I found out the original account was created by my mother, possibly, a few years back. I dont even speak to my Mother. For the one 3 years Shes lived in XXXX and I lived in XXXX  XXXX. She lost custody of me and my siblings some XXXX odd years ago. This is a definite case of identity theft or fraud or both. Please do whatever you can to get this resolved as soon as possible. This account has been plaguing me for years, with me not being sure where it was from. Ive also been paying it when it isnt even my debt to pay just to try and mend my credit. Will I be able to get the money I paid back as well? Since Forsure I know that this was a fraud case. Thank you for all your help looking into this. Im looking forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
Hello. I received services from XXXX XXXX XXXX  XXXX  on XX/XX/XXXX. An invoice was received for this service dated XX/XX/XXXX from XXXX XXXX. I paid amount due of {$37.00} as per invoice sent on XXXX 
RTR Financial Services Inc started sending me debt collection notices in the beginning of XXXX. I responded them that this bill has been paid on XX/XX/XXXX. Besides sending copy of invoice received from XXXX XXXX for this service and payment details, RTR Financial Service is still harassing me to pay this amount again. I received another notice from RTR Financial Services dated XX/XX/XXXX stating that if payment was not received further collection efforts may be taken to collect this debt. 
This harassment needs to be stopped. 

I have attached the copy of payment made on XX/XX/XXXX with {$0.00} balance due. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been incorrectly associated with me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent 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 2024-06-09 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: GA

Complaint narrative:
I am writing to formally notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( w ), by your credit reporting agency. I demand immediate correction of the inaccurate information and compensation for damages as stipulated by law.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been incorrectly associated with me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent 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 2024-06-09 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. Letters were sent out.

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 2024-06-09 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. Letters were sent out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report. Letters were sent out.

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 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received various notices from Portfolio Recovery Associates LLC. They are on my credit report twice and I have asked for debt validation and the removal from my credit report in the past.. I ask that portfolio recovery not send me a statement of the debt but an original copy of the contract and my signature. This company has been notorious for being on my credit report for more than 7 years. And I have disputed withall three credit bureaus, many times and each time they come back and state that this is my debt based without even verifying it. I need more than a statement from Portfolio Recovery and I need to see my original signature on any debt that they are attempting to collect. I would like a 1099 form to show where the original creditor wrote the debt off in my name or on my behalf. Show me proof where of your validity in collecting this debt. I ask that you remove all collections from my report. I ask that all proof be sent to me. In one of the letters I received it states that " the law limits how long you can be sued on a debt. and due to age they can not sue and that they will not report it to any credit reporting agency. the notice is required by law. '' Then tell me why Portfolio recovery is on all three of my credit reports? Please get off my credit reports immiediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX and Im an reaching out with a few questions regarding the portfolio recovery account that originated from Amazon Synchrony. I did open multiple disputes over the years as I found out the original account was created by my mother, possibly, a few years back. I dont even speak to my Mother. For the one 3 years Shes lived in XXXX  and I lived in XXXX XXXX. She lost custody of me and my siblings some XXXX odd years ago. This is a definite case of identity theft or fraud or both. Please do whatever you can to get this resolved as soon as possible. This account has been plaguing me for years, with me not being sure where it was from. Ive also been paying it when it isnt even my debt to pay just to try and mend my credit. Will I be able to get the money I paid back as well? Since Forsure I know that this was a fraud case. Thank you for all your help looking into this. Im looking forward to your response.

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 2024-06-09 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: NM

Complaint narrative:
Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/year>. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX XXXX, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NM

Complaint narrative:
Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/2022. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX XXXX, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-06-09 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: 1st Franklin Financial Corporation
State: NM

Complaint narrative:
Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/2022. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX branch, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX ACCT # 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 2024-06-09 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-06-09 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
A store clerk opened a Sephora store Credit Card without my consent. The date is unknown. The Credit Card displaying my name was never physically used by me for any purchase. I reached out to XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX, and was informed by their representative they are unaware of the invoice for the charges however, there is a total balance due of USD XXXX. 

I have not received an invoice for the charges to file a police report. 

I've contacted Sephora several times and was ignored after the attempts. 

Sephora reported unpaid charges on my credit report for over ( 2 ) years and then sold the balance to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XXXX  I graduate from high school and opened a bank account with BOA. Bank of America, and later on I was working and trying to get the process of going to college. But a call came to an old phone I had and a check came to the mail. I was surprised of how much it was and I went to the bank to see it was real, ( in person ) and they ended up closing my account because it was something with fraudulent, Im not sure what it was, but it came in the mail, and I wanted to cash the check. Something about a company, I cant remember, but ever since then I tried opening an account with XXXX  and they rejected me. Ever since then I was just working and I felt like I didnt need a bank account. As I got older, I realized that I needed an account and I checked my credit report because I did reported the fraud scam and it turns out they been making transactions 2 years later, which wasnt me. I was confused and now Im not sure if Im in debt but I need help getting my life back together, and start getting my credit higher and being able to change my social and try to open a bank count, anything would be helpful

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