vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: VA

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 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 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
CFPB Complaint against Jefferson Capital Systems XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX. Complaint Details Company Name : Jefferson Capital Systems Product : Debt Collection Issue : Debt Not Recognized / Verification of Debt Not Received XXXX. Narrative I am writing to file a complaint against Jefferson Capital Systems regardin a debt they are attempting to collect. I have not been previously informed of this debt and have not had an opportunity to dispute its validity. 
If Jefferson Capital Systems did send me a notification regarding this debt, I never received it. I request they provide a copy of the notification with a certified mail receipt shoing my signature as proof of delivery. 
Due to the lack of proper notification and the opportunity to dispute this debt, I believe Jefferson Capital Systems is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
IV. Request I request that Jefferson Capital Systems verify this debt and provide me with detailed documentation, including the original creditor, date of delinquency, and a breakdown of the charges. 
I request that Jefferson Capital Systems cease all communication regarding this debt until they can validate it and provide the requested documentation. 
If they canot validate the debt, I request that Jefferson Capital Systems delete it from my credit report. 
V. Additional Information ( ID and Proof of Address ) VI Private Attorney General ( PA ) Awareness Signature XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT XXXX XXXX XXXX XXXX XXXX WHY IS THE ACCOUNT REPORTING MORE THAN ONCE? 

ONE WITH A BLANCE OF {$770.00}, {$2200.00}, {$2700.00} AND {$770.00} LOOKS LIKE DUPILICATE ACCOUNTS TO HARM MY CREDIT WORITHENESS. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT 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 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XXXX of XXXX we experienced a hardship due to career changes and medical emergencies. All steps and processes were taken on our part as the mortgage holder to avoid any delinquency and receive assistance. We were given a letter in writing stating that with payment of agreed amount the mortgage would be placed back in good standing and outstanding balance would be added to maturation of the mortgage. The amount was paid ( confirmation number and letter provided ). Citizens bank did not follow through will processing and applying the agreed upon payment to enter contract. We as mortgage holders were still left responsible even though Citizens bank was negligent in the process. Citizens did not send any correspondence regarding this. When called in XX/XX/XXXX to make another payment we as mortgage holders were surprised to find account in default as the contract was supposed to be set after requested payment. The payment was placed in a Suspension account and not returned or applied to any balances after several requests. We as mortgage holders called Citizens bank more than 3 dozen times between XX/XX/XXXX and XX/XX/XXXX to attempt to receive assistance to avoid any additional delinquency. Citizen bank continuously forwarded calls and refused to answer questions, often dodging all concerns and passing responsibility on to other representatives. We as mortgage holders asked a multitude of times to schedule an appointment to discuss, at which we were told it is not allowed. In XXXX of XXXX we were told several times we had been approved for another modification and to enter contract we must pay agreed upon amount by XX/XX/XXXX. The payment was made, confirmation number and correspondence provided. On XX/XX/XXXX we called to receive additional confirmation that we had correctly entered a modification trial. At this time we were told the payment was not applied to a trial period and that it was yet again in a suspension account. We were told the amount can not be applied to any outstanding balances as our mortgage continued to accrue interest even though we were following contract terms. Again, we were verbally told we can enter a trial period in XXXX of XXXX with an additional payment. Our credit has been negatively impacted by the negligence of Citizens bank and our home is facing foreclosure at no fault of us as the mortgage holders. We have taken every and all appropriate steps and are still being treated unfairly and unethically. This will be the third time we have receive incorrect information and the third time Citizens bank has breached a contract bound by a monetary agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Experian is suppose to ensure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Experian is suppose to ensure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX Experian is suppose to ensure XXXX XXXX XXXX XXXX This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I received a call from Pentagon stating I owe them a payment. I told them I don't have car loan with you, I have been paying XXXX XXXX in XXXX for a year or so. Pentagon stated that XXXX XXXX sold my account to them and that me or my son was to start paying them. I said I was never told that such account was sold to anyone and secondly, the account you have is a fraudulent because my son and I don't have an account with XXXX XXXX  and I never had an car loan agreement with my son so whatever account you have with my son and my name on it is fraudulent and not mine nor my son 's. My son never signed any papers to be a cosigner with me on any car loan. I always make it clear to anyone when looking to purchase a car that if a cosigner is needed I would not be purchasing a vehicle. I was assured that a cosigner was not needed and I read everything I signed. I would never put my young college son on any loan with me. Pentagon stated my son is a cosigner for this XXXX XXXX XXXX car loan. I stated he is not and any signatures of my son 's name on any such agreement wasn't his and is fraud and I requested proof of the original loan and whether their lawyer has looked over this car loan agreement to see if it is legit which I knew otherwise that it wasn't and they hadn't but I requested a copy and proof of this information both from Pentagon and XXXX and the other two main credit reporting bureaus. This vehicle loan reported information was removed from both mine and my son 's credit file with XXXX and XXXX, but not from XXXX and Pentagon Federal Credit Union who both refuse to stop reporting it or remove it. Pentagon then turn around and sells this fraudulent account they say is ours to another collection agency who continues to harass us with letters and calls to pay this remaining debt even though Pentagon refuse to pick up the vehicle and told me to sell it to a car dealership and they released the title and it was sold to XXXX the dealership on XX/XX/XXXX at their request. Pentagon reported this vehicle payments as being late at least XXXX times on my credit file with XXXX after failing to come pick up the vehicle during the Pandemic in XXXX, XXXX, after the last payment was paid the beginning of XXXX, XXXX. I never was late. Pentagon even stated on my XXXX credit file that I paid as agreed. How can you pay as agreed and be late. This loan was reported late after Pentagon refused after several requests to pick of said vehicle for over XXXX months. After finding out a year later that the car loan agreement had false signatures and fraud was committed by the original seller, XXXX XXXX of XXXX and the account was sold to Pentagon, I wanted no dealings with neither parties.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-05-07 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:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called on the XXXX XXXX XXXXXXXX and had a conversation as to why did they put a {$78.00} hold on my account. THey then put everything else I had on hold for 72 hours. I went into the bank to close and they said i had to wait till the hold was lifted off. Now they have p ; ut another hold on my money.They have been rude and cant give me a good explanation as to why they are doing this. THey simply said because we arent giving you your money. Now I cant access my money or close the 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 explanation
Consumer complaint received 2024-05-07 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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It al started on XXXX when I called bank of America y a wire didn't go trough, They said your accounts are is frozen since XXXX and they will close the account and send me a check then I called them again on XX/XX/XXXX asked them when they will close the account they refuse to give me more info, and they said they will close it XX/XX/XXXX when asked if they could reject all the merchant not be able to charge my account they refused to help me, as you can see i have money in the account and they refuse to pay them so I will have to pay to who gave the check all fees ( see attached ), then when I called them again the same day the said they will close it on the XXXX and when asked if I could take out the money they said no see statement it shows XXXX XXXX was and next day XXXX money in my account please help me its know 100 day and I still dint get back the money that they stole, I also have all recordings if you need thank you

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 2024-05-07 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I have recently reviewed a copy of my credit report. I was shocked to find that i've been a victim of identity theft, I found numerous accounts that were not opened by me. This has been affecting me as I am trying to find a home for my family. I also noticed 2 other debt collectors who have been added to my reports by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
This is not correct. I had debt with rent debt as of XXXX that I paid and settled XX/XX/XXXX, now I spoke to a representative today. They refuse to talk to me and refuse to resend the correct paper that states that is paid off. Please check the records and phone calls from XXXX! Not XXXX!! Why would I be complaining about a 2 year old debt, the representative also stated that this account will be removed. Rent debt sent a paper that says the wrong balances.

Company response to consumer: Closed with explanation