vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XX/XX/year>, I visited XXXX XXXX XXXX XXXX XXXX XXXX and spent {$39.00} using my debit card with the PIN. The clerk was very inappropriate and as a woman alone, I was very uncomfortable and left quickly. This charge showed up on my account, and a second charge of {$320.00} showed up on my account dated XX/XX/year>. I noticed this on XX/XX/year> and immediately called Huntington Bank to dispute the charge, stop my debit card and order a new one. I also called the XXXX XXXX XXXX  and filed a police report for theft ( case ID XXXX ). I paid extra to receive my debit card sooner, as this was on a holiday weekend and I would otherwise wait over 7 days for my new card. On XX/XX/year>, the dispute was denied and the provisional credit issued was reversed from my checking acct. i called and requested documentation from their research dept about how they determined this, and requested that the dispute be reopened. On XX/XX/year>, i received a letter stating the dispute was again denied. I called again and requested documentation and requested that the dispute be reopened. At this time they requested the police report case # and i provided that. On XX/XX/year> i called to ask the status of the case and was told it was denied again. I told them they had not sent requested documentation yet and that i wanted to know the next steps to get my money back. They stated they could reopen the dispute and put another request for documentation but that it would probably be denied again and that i would receive a letter that states exactly what Ive been told.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: IL

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have received notice that XXXX of my credit cards has been closed on the bases of a report provided by the company in question. I have sent a certified mail request for such report more than a month ago ; haven't received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
URGENT MATTER Dear XXXX XXXXXXXX, TransUnion and XXXX I XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off, am writing to address the violations of 807 ( 3 ) and 807 ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 3 ) ,1 ( 1011 ), and 1031 ( a ) and 1036 ( a ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( A ).

For clarity, I would like to provide definitions relevant to this matter : - " Charge-off '' : The accounting action to remove a Debt from financial statements by treating it as a loss or expense.

- " Charge-off Balance '' : The alleged due amount on a Debt at the time of Charge-off.

- " Collection Suit '' : Any civil action commenced by Defendant against a Consumer for debt collection purposes.

- " Consumer '' : Any natural person obligated to pay any Debt.

- " Creditor '' : The person that owned a Debt at the date of default giving rise to a cause of action.

- " Debt '' : Any obligation or alleged obligation of a Consumer to pay money primarily for personal, family, or household purposes. 
- " Defendant '' : XXXX XXXX XXXX XXXX XXXX, and its successors and assigns. 
- " Effective Date '' : The date on which the Order is entered by the Court.

- " Enforcement Director '' : The Assistant Director of the Office of Enforcement for the Consumer Financial Protection Bureau, or delegate.

- " Originator '' : The person or successor in interest who extended the credit creating a Debt.

- " Pending Collection Suit '' : A Collection Suit filed prior to the Effective Date that is pending in court as of the Effective Date.

- " Related Consumer Action '' : A private action by or on behalf of one or more consumers or an enforcement action by another. 
I must bring to your attention the decision dated XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX, New York, which rejected XXXX XXXX XXXX attempt to collect on a charged- off debt. XXXX XXXX 's denial of XXXX 's motion for Summary Judgment highlighted XXXX 's own records indicating a " New Balance of {$0.00} '' and an " internal charge-off '' of the previous balance of {$4600.00}. XXXX was represented 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
URGENT MATTER Dear XXXX, Experian, XXXX and XXXX I XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off, am writing to address the violations of 807 ( 3 ) and 807 ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 3 ) ,1 ( 1011 ), and 1031 ( a ) and 1036 ( a ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( A ). 
For clarity, I would like to provide definitions relevant to this matter : - " Charge-off '' : The accounting action to remove a Debt from financial statements by treating it as a loss or expense. 
- " Charge-off Balance '' : The alleged due amount on a Debt at the time of Charge-off.

- " Collection Suit '' : Any civil action commenced by Defendant against a Consumer for debt collection purposes.

- " Consumer '' : Any natural person obligated to pay any Debt.

- " Creditor '' : The person that owned a Debt at the date of default giving rise to a cause of action.

- " Debt '' : Any obligation or alleged obligation of a Consumer to pay money primarily for personal, family, or household purposes. 
- " Defendant '' : XXXX XXXX XXXX XXXX XXXX, and its successors and assigns. 
- " Effective Date '' : The date on which the Order is entered by the Court.

- " Enforcement Director '' : The Assistant Director of the Office of Enforcement for the Consumer Financial Protection Bureau, or delegate.

- " Originator '' : The person or successor in interest who extended the credit creating a Debt.

- " Pending Collection Suit '' : A Collection Suit filed prior to the Effective Date that is pending in court as of the Effective Date.

- " Related Consumer Action '' : A private action by or on behalf of one or more consumers or an enforcement action by another. 
I must bring to your attention the decision dated XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX, New York, which rejected XXXX XXXX  's attempt to collect on a charged- off debt. XXXX XXXX 's denial of XXXX 's motion for Summary Judgment highlighted XXXX 's own records indicating a " New Balance of {$0.00} '' and an " internal charge-off '' of the previous balance of {$4600.00}. XXXX was represented 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 explanation
Consumer complaint received 2024-09-30 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: TN

Complaint narrative:
This account has inaccuracies. One is Reporting this collection with a past due amount. This is a report error. This is inaccurate and needs to be removed immediately. I sent several letters for this account to be removed 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account has inaccuracies. One is Reporting this collection with a past due amount. This is a report error. This is inaccurate and needs to be removed immediately. I sent several letters for this account to be removed 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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company has been falsely reporting and hurting my credit report, numerous attempts to explain that this is not my account and they continue to false report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
A few weeks ago I contacted company name PaySafe to open account for my business so I can receive payments from credit cards. I provided them with all information they asked and my account was opened. As soon as I received a payment in amount {$9900.00}. I received and email from them that they need some additional information and they not transferring money to my company bank account. I provided information they asked. And received answer that they closing my account and I need to issue refund to my client in other way after closing my account money will be hold for 180 days. I issued the refund and received receipt. But my client never received that money even that saw refund in pending on their merchant account. After that they never received refund. I got in contact today XX/XX/XXXX ( refund was issued on XX/XX/XXXXXXXX  account closed on XX/XX/XXXX ) spent an hour explaining situation and received answer since account closed they have money on hold for XXXX even Ive made refund before they closed my account. And there is no way to refund money. First when I called them to figure out why they closing my account explanation was that they dont like structure of my business. Today on XX/XX/XXXX Ive been told that the amount of transaction was more than {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my XX/XX/XXXXhealth and it's also been days I've been having sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX, 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Dovenmuehle Mortgage, Inc.
State: NV

Complaint narrative:
In the month of XX/XX/XXXX, I was laid off from work due to taking care of my mom who caught XXXX. As a result of taking care of my mother, I caught XXXX  myself. I took time off work to recover after I recovered I was informed by my Job I was laid off from work until XX/XX/XXXX. I contacted my mortgage company and sent my application for a modification and was informed they never received my application in the month of XXXX XXXX even though I have the certified copy of the mail that was sent. I then e-mailed the application in the month of XXXX I heard nothing back regarding my status until I called in the month of XXXX. It is now XXXX months later and Dovenmuehle is asking for bank statements for direct deposits for my paycheck ( Not Working ) copies of insurance payments ( which are impounded in my mortgage ) Letters from me explaining why I need assistance when I have explained the situation already. I feel like my mortgage company is wasting a lot of time so they can foreclose on my property as I have paid off more than half of my mortgage balance. my mortgage company keeps asking for documents already sent to them, they are also asking me to change dates on applications which I feel is assistive at this point. The attached documents are the last documents they have asked me for which I previously sent. I feel the mortgage company is trying to steal my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I earnestly implore you to take immediate and 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I earnestly implore you to take immediate and 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 explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$280.00} and XXXX XXXX bal. {$0.00}

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

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

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

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

Company response to consumer: Closed with explanation