vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to bring to your attention an ongoing issue with Equifax concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following discrepancies, but to date, they have not responded. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Details of the inaccuracies and required corrections are as follows : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} This account was never late. Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am following up with a response to your letter dated XX/XX/year>, in which you assert that I owe a debt to your agency. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you provide me with the following information : I have no record of entering into any contractual agreement with your agency. As such, please provide a copy of the original, signed contract or agreement that establishes my obligation to pay your company this debt you brought, not my personal information.

I remind you that under the FDCPA, you are obligated to cease collection activities and reporting anything on my credit files until you have provided the requested verification of the debt. Failure to comply with this request within XXXX days of receiving this response will be considered a violation of the FDCPA. I will use all remedies available to file a federal lawsuit against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The company is Transworld Systems in South Carolina. The numbers they call me from are always XXXX area codes. They have been calling for months and months several times per day each week. They always ask for a different person. I asked them multiple times to remove my phone number from their records but they continue to call. I do not have any collections or outstanding debts. They don't ever ask for me. This needs to stop as these people are harrassing me with multiple phone calls. I am on the Do Not Call List but apparently they don't look or care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: GA

Complaint narrative:
Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX Every alternate or additional address please remove.

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX  XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review.

Thx and I hope we may resolve this matter in a speedy manner. 

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Subject : Urgent : Credit Limit Reduction Impacting Rent Payment To whom it may concern, I hope this email finds you well. I am writing to express my concern and seek clarification regarding a recent adjustment to my credit limit. I observed that on XX/XX/year>, my credit limit was reduced from {$5900.00} to {$4600.00}. This adjustment is perplexing to me, especially considering that I had just made a payment of {$1900.00} on XX/XX/year>. I assumed that this payment would contribute towards maintaining or even increasing my credit limit, given my consistent effort to manage my credit responsibly and the fact I pay my monthly rent every month. 
What adds to my concern is that the reduction nearly negated the effect of the {$1900.00} payment, which I had planned to utilize for my upcoming rent payment due on XX/XX/year>. As you can see from my monthly statements, I regularly use my credit card to pay my rent. This reduction in my credit limit has now jeopardized my ability to fulfill this obligation as planned. 
Additionally, I would like to inquire if there is any possibility of reconsideration or an expedited review of my account, considering the upcoming rent payment deadline. 

I reached out to the credit card company today XX/XX/year> @ XXXX @ XXXX by phone and they informed me that a letter would come by mail regarding their actions.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I visited a XXXX XXXX on XXXX XXXX XXXX  and received a receipt validating all equipment has been returned and there is no outstanding 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 non-monetary relief
Consumer complaint received 2024-01-26 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: NC

Complaint narrative:
TransUnion and XXXX have been informed of my identity theft victim status, and documents have been submitted to them multiple times. However, they continue to report unauthorized inquiries on my consumer report. I have not approved any inquiries that do not correspond to an open account on my credit report. Additionally, XXXX disputed these findings and provided results on the same day, which seems implausible given the volume of inquiries that appeared simultaneously. These fraudulent inquiries must be promptly removed.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The old balances from my XXXX college were discharged through the the federal governments recent forgiveness program. The old accounts were discharged, and are still showing a derogatory status on my credit report. 

Secondly my current student loan balance is showing {$78000.00} on both my XXXX XXXX and Student Aid.Gov. 

My student loan balance in my Experian account is showing {$180000.00}. This inaccuracy is severely damaging my credit report, and has caused my credit report to drop over XXXX points. 

I am trying to buy a house, and I can not, due this error. I have repeatedly contacted both XXXX XXXX, and Experian to request them to update this, and they tell me that they are reporting every month. 

I am furious that these companies have the power to keep these errors on my report. 

Please assist me. 

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 explanation
Consumer complaint received 2024-01-26 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 the following companies ran my credit report without my authorization. 
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 explanation
Consumer complaint received 2024-01-26 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also , on XX/XX/2023 the following companies ran my credit report without my authorization. 
XXXX XXXX Chrysler Capital XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
About a week ago ( XXXX XXXX XXXX ), my phone number got hacked. My friend 's phone who had also gotten hacked and called my number ( I did not yet know at this time that his phone got hacked ) and immediately after I pick up, there is a silent call and after it hangs up my phone goes to SOS. I lost service thinking that I did not pay my phone bill, so I pay it and service still doesn't return. Turns out all of my accounts were hacked ; my email, my bank account, my XXXX account, my social medias, everything. On top of this, new accounts are made using my information on XXXX and XXXX, neither of which I had before linked to those emails and phone number. My bank account was drained entirely through these unauthorized transactions on XXXX and the hacker even tried to transfer more through XXXX on my XXXX account. After making many calls and checking XXXX login history, it is seen across my accounts that the account was accessed from another state using a different IP. They even link an unfamiliar XXXX XXXX to my XXXX and XXXXXXXX XXXX ( making it impossible to recover my XXXX XXXX ). Upon seeing all this, I opened a claim with my bank and they gave me a claim number. Several days pass and I return to the bank to receive status update on my claim. To my shock they don't even have my claim number and they couldn't even find my claim and say I will not receive any of the money that was stolen from my account. They even went so far to say that I had authorized the transactions which did not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2024 I was contacted by discover bank about a possible missed payment that I dnt owe. I stated to the worker I do not owe discover bank and I wish for they to stop contacting me so I placed a no contact order wit the operator on XX/XX/24 and I was told I would not be contacted anymore However on XXXX of XXXX I was called by discover bank again despite the no contact order. I now feel as through I am being harassed by discover bank emphatically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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 PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I contacted Carvana on numerous occasions because someone was using my identity to apply for a vehicle with my lost ID, SSN card, and email address. My email was hacked and my identity was sold in 2018. I filed a police report and still have been dealing with some fraudulent activities so I have updated my police report since then. I then. I tried to apply for a car last year but was declined due to fraud. I contacted the company and sent a police report but nothing has been done to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
OnXXXX my credit report there is a bill from XXXX XXXX XXXX through RMP Services. 

On XX/XX/XXXX I reached out to RMP Services the number provided on my credit report and the representative was unable to locate an account with my information. 

On XXXXI called XXXX XXXX XXXX, they advised they show nothing for this amount and they do not use RMP Services for collections. 

I disputed on XX/XX/XXXX through XXXX on XX/XX/XXXX, The response for the dispute was verified & updated. Nothing changed on the credit report. 

I called both RMP Services & XXXX again today XX/XX/XXXX and had the same response from both. Unable to locate any past due items for {$580.00}. XXXX XXXX XXXX again advises they do not RMP Services as a collection agency. 
Please advise what I am to do in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: BID SOLUTIONS LLC
State: WA

Complaint narrative:
This is my 2nd complaint again the same company. Original complaint COMPLAINT ID XXXX I already submitted the notarized forms as per their request on XX/XX/XXXX document specifically states it will be processed in 60 day. we are well past that commit and absolutely no one will contact me back. Ive called them several times and I'm just promised a call back and it never happens. Every contact I had with the company seems to no longer be employed there. XXXX XXXX or XXXX XXXX. When I call in no one is able to give me an update or a manager or a new point of contact. 

Back in XX/XX/XXXX I reached out after receiving a mail brochure to help get assistance with my mortgage due to extenuating changes in my financial situation preventing me from being able to pay my mortgage. The company had me sign documents one very specifically stating there will be no further charges past a set {$6200.00}. After several delays on their part causing this to drag one way into 6 months the total payments sent to them in excess of over {$12000.00}. I ended up having to resolve the issue directly with XXXX XXXX  XXXX XXXX because the company was unresponsive to them and submitted paper work with no contact information. Throughout this entire process they ignored my emails and voicemails. If I finally got someone on the phone I asked to speak to management and was flat out denied or they would say someone would call me right back and it never happened. In addition to everything their false promises of reducing my mortgage actually put me in a position where I now have a lean against my home and my mortgage payment has gone UP by {$57.00}. I fully believe I should get back every cent I paid this horrible company as they did not honor a single commitment that was made, if this is not a possibility this company needs to be held accountable to pay back the additional {$6200.00} that was paid to them as their representative told me I have to keep submitting payments until the issue is closed out. The office of the comptroller of the Currency requested I file a complaint with you. My case number with them is available should you require it. Thank you so much ahead of time for anything you can do to help with this matter.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/XXXXI deposited a check for XXXX XXXX  at Citizen Bank and onXX/XX/XXXXwhen I called because they still have an hold on XXXX XXXX  they told me they have extended the hold till XX/XX/. When I asked why they only told me " we need more time '' when I asked for what they didn't reply. I think that extending the hold on check deposited unilaterally when there is no specific reason like fraud or funds not available is a fraud from the part of Citizen Bank

Company response to consumer: Closed with explanation