vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXXXXXX XXXX  {$340.00} XXXX {$340.00XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED XXXX EXPERIAN AND XXXX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Acquisitions, LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. In accordance with the FAIR CREDIT REPORTING act XXXX  Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt-out pursuant to 15 USC 6802 .

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUESTS FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting that you remove the late payment from my account as it is inaccurate. I have never been late with this account and have been working hard to make my monthly payments on time. This late payment is unacceptable and I urge you to take immediate action to rectify this error. I have attached relevant documents to support my claim.

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 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I filed a complaint against Truist Bank for withholding by overage payment and my GAP refund as the account was closed the beginning of the new year. In addition the GAP refund has been cashed by Truist on XX/XX/2023 and no one is providing me any updates except for telling me I will be getting a follow up call in " 3 business days ''. I believe it is now 4 weeks of waiting and I still have not got a call. 
The only information I have been told is that they forgot to send my overage, and then when it was manually initiated it got rejected. 
I was also told that some clients are waiting over a year for their GAP checks and that their cancellation department is very flawed and behind.

Upon filing my complaint, the GAP refund was sent and overnighted to me, but the overage was still not sent. 
I received the GAP refund check and cashed it, and figured I was done and I would just wait until my overage arrives. 

Today, XX/XX/2023, the GAP check was cancelled and reversed out of my bank account, according the rep at my bank.

I have called Truist and they have informed me that they have no clue why and they can give me an update in 3 business days.

In addition, they told me they did send the overage but they sent it to the wrong address because they did not copy my full address correctly and I need wait 15 business days for them to correct their mistake on their end.

Truist is providing no information to me and it seems as if once the complaint was closed they reversed their payment after. 

I am owed $ XXXX on the GAP refund and $ XXXX on the payment overage.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a CitiGold account with Gold Debit Card. One of heavily advertised benefits of this account is a Subscription Rebate program, which refunds up to {$200.00} per year for certain subscription services. I am registered for merchants XXXX XXXX and Costco, same merchants I have been registered for the last 2-3 years. 
On XX/XX/23 I purchased Costco membership for amount of {$130.00} after taxes. I was expected to get rebate within days, but as weeks went by, I decided to contact CitiGold customer service. Once again, I was expecting to see rebate hit my account within days, but it did not happen. No one from Citi had even tried to contact me, and after a few weeks when I called them again, I was informed that they decided not to credit me the rebate as they advertise. It is perfectly acceptable for them to stop offering this service for all CitiGold customers, otherwise they do not have a right to pick and choose when they want to pay a customer back and when they dont.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX To Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15r U.S.C 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any completely deleted. The Following derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECTLY INCOMPLETE, UNTIMELY, NOT MINE NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT regulatory federal reporting laws and or standards and must be removed immediately the the infractions are as follows : Alleging creditor and account as is reported as having a late payment on my credit report, Aldous & Associates I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and perthe standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has failed to implement basic protection to protect card holders from fraud. I have a credit card issued by TD bank. This card is rarely used and the amount charged on the card is not exceed {$100.00} per transaction. 

The card was added to an XXXXXXXX XXXX without my permission. TD bank failed to notify me that the card was added to XXXX XXXX 

Then, the card was charged over {$9000.00} for three transactions in one day. The smallest amount of the three charges is over {$1500.00}. In light of the extremely abnormal transactions and excessive amount of charges, TD bank approved the charges without notified me. 

I was surprised to find out that I have a balance of over {$9000.00}. When I called TD bank to dispute the charges, I was told that I have to pay the minimum balance if the dispute didn't resolve by the payment due day. 

This is outrageous! 

TD Bank has failed to protect its cardholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: OH

Complaint narrative:
Rev Now XXXX initiated contact with me attempting to collect a debt from phone number XXXX on XX/XX/XXXX. During the interaction I informed them that I was willing to settle the debt with them but to please call me back on XX/XX/XXXX when I get paid in order to discuss the terms of the agreement. The representative agreed and notated my account stating that I would not like to be contacted until XX/XX/XXXX. On XX/XX/XXXX, they contacted me again, to which I once again informed the rep that I would not like to be contacted until XX/XX/XXXX and that I would be happy to discuss settling the debt. From XX/XX/XXXX to XX/XX/XXXX they contacted me at least 4 more times and they began calling me 3 times a day. On XX/XX/XXXX, I escalated to a supervisor who was combative and rude who stated that they were unable to remove my number from their auto dialer system. After I informed her once again that I would be willing to settle the debt when I got paid on XX/XX/XXXX, she insisted on trying to get a payment from me so that they could post date it. When I refused to authorize any payment until XX/XX/XXXX she became rude and combative again and I requested to speak with her Manager. She claimed that the manager was busy and would not take the call and insisted once again that she collect a post dated payment from me. When I asked once again to not be contacted until the XXXXXXXX XXXX XXXXXXXX she became combative again and stated that they would not be able to pause collection calls until the XXXXXXXX XXXX XXXXXXXX and that she was going to report my account back to the client as an unable to settle. When I informed her that this was a false report, she became combative again which led me to refuse any further contact without first reporting this to the CFPB and obtaining a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received my credit report XX/XX/2023. I am writing to dispute the validity of the debt that you are attempting to collect in accordance with 15 USC 1692b. I am referring to the complete credit solutions account. With a past due balance of {$2300.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter. 

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question. 

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

XXXX ( original Creditor : XXXX XXXX XXXX XXXX XXXX ) 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than. Records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 

IMMIDIATE ACTION IS REQUIRED

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 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I had no Acknowledgment of this debt. The collection agency does not have my my Permission to obtain my information legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the presence of fraudulent accounts on my credit report, as they do not belong to me and I have no knowledge of their existence. I am invoking my rights under USC 1681g and requesting that these accounts be removed from my credit report within 15 days.

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 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
I have had several complaints with this mortgage company. Funds were paid to the company on my behalf in the amount of {$34000.00}. I have ask for any elementary explanation of how the money was applied. The amount owed was {$27000.00}. I have ask how the funds where applied and where is the remaining amount. They have since sent me a spreadsheet with language only they would understand. I want it explained to me as if I was a XXXX XXXX XXXX  so it's clear where and how the funds were disturbed.

Company response to consumer: Closed with explanation