vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had fraudulent charges being made on my credit card account on XX/XX/XXXX. I had received text alert on my phone regarding charges which I did not make and immediately called customer service to report these charges. I was being informed that my account will be locked, charges will be marked as fraudulent, and new credit card will be sent. However, representative did not fully lock the account and few days later more charges were being made. I again had called immediately to report those charges and was told that my new credit card is on its way. This representative did block my account as it should have been. I have my account on auto payment and so amount was paid. My account was reimbursed for that amount. However on XXXX statement, same charges were placed back 3 times and there was late fee and interest charges applied. I called the customer service and was told that it is going thru correction and it will be readjusted. Again, I paid the amount as it was on auto payment. These charges were not removed, and again in XXXX statement same charges were placed again 2-3 times and again it debited my bank account because of auto payment. This repeated in XXXX statement. I have called multiple times to Security Department of the credit card and spoke with different Escalation Specialist and every time, I have been informed that my account will be reimbursed. I was informed that it will be reimbursed 45 days from XX/XX/XXXX. I have sent them official certified mail with return receipt to explain why this is not been addressed, but I have not received any response. 

I called on today XX/XX/XXXX and spoke with XXXX who is Escalation specialist and explained the situation again and was told that she recognizes wrongful charges and she will send email to audit the charges and it may take 2 weeks. However, I have my doubts. I need help with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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 writing to formally dispute the late payment reported by on my credit report. Contrary to the information provided, I have consistently maintained an exceptional payment history with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX and all payments were placed on autopay. The late payment reported is a result of a systematic error on the creditor 's end in processing my payment. 

Since this is information you should already have in your possession I feel 15 days after receipt of this notice should suffice for the information being requested to be provided. 

PLEASE BE ADVISED THAT THIS REQUEST I SALSO BEING SENT VIA CERTIFIED MAIL! 

* XXXX ( Account Number : XXXX ) * XXXX XXXX XXXX XXXX ( Account Number : XXXX ) * XXXXXXXX XXXX  XXXX XXXX ( Account Number : XXXX ) This erroneous late payment is not a reflection of my payment behavior but rather a billing error made by the company, which violates USC Code 1681eb. The impact of this error on my reputation, character, mode of living, and my family has been severe. 

I demand the removal of the late payment reported on my consumer report. The creditor is not in compliance with the law, specifically 15 USC 1666b, which sets standards and guidance for treating payments as late. According to 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 and XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX failed to send the periodic statement along with the disclosures from section 1637 ( b ). Despite my good faith request for proof that this information was mailed or delivered 21 days before the payment due date, it was never provided. 

This situation is unfair, illegal, fraudulent, and inequitable to me as a consumer. I urge you to take immediate action to rectify this error and remove the inaccurate late payment from my credit report. 

Please acknowledge receipt of this dispute letter and provide confirmation of the steps being taken to address my concerns. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
XXXX is still showing the account is opened and owe over {$6000.00}. XXXX is reporting that i had four late payments after the car was traded in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account 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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
This is a fraud collection this is not me delete this of my credit report now!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2017 I was given a quit claim deed from what was then my landlord to assume the rights to the property I was renting due to his illness and our close relationship. Soon after he was killed in a tragic accident. I contacted wells Fargo after registering the deed with the county and was told I had no rights and that the home would be foreclosed on. I then received a letter stating I was not responsible for the property or the debt and that the documents were a formality. I contacted several attorneys and was told I needed to deal with the executor of the estate who I had never met or has never had anything to do with the the property and who is legally XXXX and under someone else 's care. After being taken out of work because if the XXXX XXXX issues I was dealing with from XXXX I continued trying to save my home but ran out of finances and was still being told there was nothing I could do I was no longer able to pay. The mortgage was XXXX in default. At the end of the foreclosure proceedings I made one last attempt and was told by the lawyer that in the documents filed that I was accused of forging my deed which is Untrue and that the property was going to auction. The day before the auction a perspective buyer approached me at the home and in formed me of the rights I in fact had and offered to pay the delinquency in order to keep the foreclosure from effecting my credit. Unbeknownst to me I could have saved my home and would not be homeless for the last 2 years and separated from my family. I had no other choice but to agree and have since lived like a vagrant and have suffered physically, mentally, emotionally and spiritually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of 2020 there was a late payment from capital one reported to my account. I reached out to them and they said that there are no late payments being reported from them. But it is still on my credit report. I would like to have this removed since it is wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Harris & Harris LP contacted about a debt that was placed with their company on XX/XX/XXXX with their organization. ( I highly doubt this is accurate, and instead they purchased the debt ) States that the Dept of Taxation of Virginia placed a XXXX debt for XXXX and XXXX years Spoke to customer service rep XXXX XXXX XXXX  XXXX XXXX states she was unaware that the debt was discharged in XXXX XXXXXXXX bankruptcy that was filed in the XXXX XXXX District of Virginia. 

Harris & Harris are unaware of the statute laws for collection in Virginia. They are not allowed to collect in Virginia because they are not registered in this state to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
This complaint is for ALL Future, Past, And Current reports to my consumer report.

15 U.S. Code $ 1681b - Permissible purposes on my 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 any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion and correction of any and all accounts IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NC

Complaint narrative:
This complaint is for ALL Future, Past, And Current reports to my consumer report.

15 U.S. Code $ 1681b - Permissible purposes on my 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 any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion and correction of any and all accounts 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home Lending has assured me that 1 ) property taxes have been paid in full with no penalty and 2 ) they have conducted an escrow analysis. However, the XXXX XXXX XXXX XXXX 's office still shows my 2023 property taxes as being delinquent. Further, Planet Home Lending is holding an exorbitant amount of escrow ( over $ XXXX ) and refuses to release the excess to me. I have tried contacting them but their voicemail system takes you through endless loops and emails go unanswered for weeks on end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collection info is as follows : LVNV FUNDING LLC Original creditor : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX I am writing to address the credit card account associated with my name, which I know to be inaccurately linked to me. It is evident that this card was opened without my consent or knowledge, as no payments were ever made on the account, indicating identity theft. 

Several factors support my claim of identity theft : Firstly, the transaction history clearly demonstrates that the credit limit was immediately maxed out, suggesting fraudulent activity. Additionally, the address associated with the account does not match my residence at the time the card was allegedly opened. As a result, any items purchased using this card were not sent to me, and I can not be held responsible for these charges. 

Moreover, the phone number linked to the account is no longer mine and had been changed prior to the alleged account opening date, further indicating fraudulent activity. As a result I did not receive any notification that this account had been opened. 

I have repeatedly disputed this charge and requested verifiable proof that I was the one who opened the credit card account. Despite numerous attempts, the necessary evidence has not been provided by the creditor. 

Under federal law, creditors are required to provide substantial evidence to verify the legitimacy of a debt before reporting it on a consumer 's credit report. As such, I urge you to gather the necessary identity verification documentation to confirm the authenticity of this account. 

It stands to reason that if someone had access to my social security number and birthdate, they could have easily opened this account. Therefore, it is imperative for the creditor to implement more rigorous verification processes before approving credit accounts to prevent fraudulent activity. 

Until concrete evidence is provided to prove that I am indeed responsible for this debt, I demand that it be removed from my credit report. I have exhausted all efforts to resolve this matter directly with the creditor and am now seeking formal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following information is incorrect : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This is also incorrect XXXX XXXX I am currently employed by 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 non-monetary relief
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for {$120.00}, XXXX XXXX XXXX for {$37000.00}, and XXXX XXXX XXXX for {$330.00} has violated my rights. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I was staying at XXXX XXXX XXXX for about XXXX years. I always paid my rent & was never late. XXXX XXXX I had a friend visiting for a week, unfortunately he was kill right in front of the leasing office. I couldnt live there anymore I immediately moved in with my mother in XXXX. My mom talked to XXXX who was the XXXX at the time she explained everything was okay & she would get me approved out of my lease due to the death. My mom had me sign a paper that XXXX provided and my mom had all of my belongs moved out the same month.my rent was paid up to date & keys was left there. XXXX years later I try to move on my own again & I am being denied due to eviction. I was never evicted nor ever severed paper of eviction. I reached out to new management there are not trying to help at all. I now have a debt XXXX due to miscommunication and wrongful eviction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-03-07 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: NJ

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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