vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I received my credit report, and it stated that I opened an account with Southwest Credit Systems on XXXX I never opened an account with them in XXXX XXXX I never signed a contractual agreement with Southwest Credit Systems for {$1200.00}. It's showing up as delinquent on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person XXXX a consumer.

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 2024-02-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MO

Complaint narrative:
Idiotic and ridiculous explanations from this fraudulent company THEY RESOLVED NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
on XX/XX/24 I went to make a {$300.00} cash deposit via the ATM. My cash was spit back out and the machine told me " transaction failed ''. I then walked over to the teller and asked him to deposit and also let me know why my atm deposit was failing. He made the deposit for me, but also informed me that is was because my debit card was frozen. He could not tell me why and said i would need to call fraud. I did that. Verified some transactions and then he unfroze the card. I then bought gas and lunch with the debit and all was fine. Later I went to make an online purchase and it was declined. I again called fraud and this time they told me my acct was under review and frozen for now. Unable to give me any reasons why. I went into the branch to try and get answers and withdrawal my money but was told it was all frozen and I could not have access to my own money. The only additional info they were able to provide was that the bank has terminated their relationship with me and I would need to wait 3-5 business days for a letter explaining why. all the while not having access to my own money. I finally received the letter about a week later telling me my account has been closed they would mail a check on XXXX for the remaining balance and if I had any further questions to go into the branch. the letter again, did not give any reason as to why this was happening. I, again went into the branch for explanation as the letter said and was again given no reason and just told sometimes they do this and do not give a reason. I can not believe this is the way they do not business. let alone even legal. I was unable to make any deposits, had to cancel my direct deposit and was unable to pay bills I had due. Not only were my fund abruptly frozen but i was not given a reason. i can not believe this is how things are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NY

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX a law firm by the name of XXXX XXXX XXXX XXXX contacted regarding a old closed account from US Bank with dates XXXX of a XXXX debt and stated they work for XXXX XXXX who prepares the legal documents for US Bank . I have not had a account opened with those dates from US Bank and the account was closed in XXXX. This company is collecting from a old debt

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 2024-02-02 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: SC

Complaint narrative:
I purchased my new XXXXXXXX XXXXXXXX in XXXX, my initial loan servicer was through Suntrust Bank. Not long afterward they merged with Truist and I had continued to pay my loan payments on time or a little ahead of time. 

I moved to XXXX in XXXX and began the process to get Truist to send the lien title to the DMV for the first time in XX/XX/XXXX. I made multiple trips to the DMV who have not received the title from Truist. I then was unable to register my vehicle due to Truist not sending the title. I have contacted Truist on a monthly basis and recently over the last 2 months have been contacting them on a weekly basis. One month ago I paid off the vehicle since I wasn't getting the lien title sent thinking then they would have to send my title. I spoke with the corp office and had even made a XXXX XXXX  complaint to no avail. I received a voicemail from Truist on this complaint and have since then called that person multiple times and only receive voicemail without a call back. 

Most recently they mailed a form saying that I had paid off the loan, which I took to the XXXX XXXXXXXX. The DMV again told me that they had to have the actual title from in order to issue my registration etc. I again called Truist who repeatedly says they do not have my title and have been giving me the run around. I have called the XXXX and XXXX XXXX ( as these were the only other states previously registered in who report they do not have my title. My XXXX has been sitting in my carport for almost a year now, even though I own it I can not legally drive it without the DMVs registration, tags, etc. I believe this is illegal. Its seems fraudulent to have held the title as a lien holder then not provide to the owner the title even after the loan has been paid in full. I am beyond frustrated with this and have spent so many hours trying to resolve this issue on my own. Please help any way you can.

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 2024-02-02 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: NC

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I received a response XX/XX/year> from your company, where as you the alleged debt collector has presented account statements and a cardholder agreement without a signature, this does not constitute proper validation of the debt. The absence of a signed contract agreement with the consumer and the original creditor along with the missing debt assignment agreement with your company and the original creditor has raise questions about the validity of the debt. My concerns are if I the consumer request documents for transparency or if I have any doubts about its validity, I have the right to request this information from the debt collector. Account statements does not justify validation, card agreement with no signature does not justify validation. This means that the debt collector must provide evidence that the debt is valid and that they have the legal right to collect it. Based on the information provided, it appears that further validation of the debt is necessary. Consumers Right to Request Debt Assignment Agreement It would be within my consumers rights to request a debt assignment agreement from you the debt collector. A debt assignment agreement is a document that demonstrates how and when the debt was assigned or sold to the current collector. By requesting this agreement, the consumer seeks further evidence to validate the legitimacy of the debt and ensure that it is being pursued by an authorized party. Along with the ownership purchase agreement please provide the lawyers your company used to analyze the debt account referenced before the alleged debt account purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: De Lage Landen Finance, LLC
State: ID

Complaint narrative:
I sent an opt out letter to Mahindra Finance, XXXX XXXX XXXX XXXX XXXX and XXXX on XXXX according to 16 cfr 313.7, 15 usc 6802 and 12 cfr 1016.7 and received XXXX response. I would like these removed from my credit profile permanently. Also a violation of the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: AR

Complaint narrative:
i reviewed my consumer reports and noticed and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-02-02 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: TN

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX has been working on my credit for the last 5 years and sent in dispute letters, talk to reps at Transunion and XXXX XXXX credit cards. The score from trans union has place me in a set back because of turned down because of wrong score input and providing me a up to date score. My score has the biggest gap in the TransUnion report and the rest of the Bureaus 40 points or for, there want me to pay to update my score instead of doing it as company promised a 7 day undated report. XXXX  XXXX is in violation of removal of old credit cards amount. There keep changing dates and violated my fair credit acts for proper reporting. I e been turned down on a car I shouldnt have been and other credit cards because of the none reporting from both capital one and trans union. There is an investigation number in place for Transunion ( XXXX ). Also several calls and letters to show just for my complaints. XXXX  XXXX is not honor XXXX XXXX XXXX fair credit acts to remove any old credit that is over XXXX to XXXX XXXX XXXX must be removed. XXXX  XXXX keeps changing date of contract and sending credit bureaus the wrong information. XXXX  XXXX is out of XXXX  and have been bulling my fair credit in order to try to make me pay old charges from over XXXX  years or more. There still have not proved to the credit bureaus the corrections for Im asking for all XXXX  XXXX old charges to removed and deli-quite dates of any inquires soft or hard was done on there site with the promise nothing would be hard inquire and those are still on all three credit reports. 
Account

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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TN

Complaint narrative:
I have an extra account under my credit from a company called MRSBPO that I've never associated with or paid. My credit score has gone down XXXX XXXX this month because of this company and many other people have said it's a scam company as well. I would just like to get this company removed from my account as soon as possible so no further damage is done to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BTH Management
State: AZ

Complaint narrative:
In XXXX of XXXX XXXX with XXXX XXXX XXXX contacted me at work and got through the front desk. I work at a XXXX XXXX XXXX and these calls are not allowed to be solicited. On XX/XX/XXXX she attempted to contact me TWICE within seconds of each call and then contacted my work at the front desk to reach me, after I asked her not to and provided my cell phone was the best means of communication during our first communication. This is harassment and completely unacceptable. XXXX XXXX XXXX was notified by XXXX XXXX XXXX that I am working with a debt relief program and they sent over the power of attorney paperwork. XXXX has also continuously contacted me by phone and calls repeatedly back to back. This is harassment and illegal to contact the place of work when she had attempted to call me minutes prior. I am a full time employee and if I dont answer my phone or contact the company back within my working hours, it is harassment to continuously try within so many minutes. This is inappropriate and unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Idaho Housing And Finance Association
State: SD

Complaint narrative:
This debt has been canceled per a 1099C. IRS accepted it and this company refuses to acknowledge this fact. All correspondents, letters, have been forwarded to the XXXX XXXX for there investigation of mail fraud, fraud and swindles. I do not owe these people anything. HomeLoanServ is funneling money from this organization to Idaho Housing and Finance Association who are the one reporting on this credit report. I have no contract with these people and this is getting old. They refuse to show any accounting of " donations '' sent to this place. If you want more evidence, I have it. This is clearly fraud and something needs to be done. There was never any full disclosure of the original contract to begin with, there was never any transfer of anything. Homeloanserv is a 3rd party debt buyer that bought this debt and the atty for IHFA where the FRN notes are being funneled threatened me with arrest if I continued on with the validation of this debt. I have evidence there was never any debt from the beginning. GAAP principles shows you there was a balance of the books from the beginning, so how can there be a debt? These people know they are in a trustee position with a fiduciary obligation and they refuse to do anything XXXX show anything. In fact it has already been settled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX XXXX amount nothing was addressed and this was open fraduently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Possible Financial Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX amount nothing was addressed and this was open fraduently

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NY

Complaint narrative:
I am writing to follow up on my previous communications via the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.

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