vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing in response to a collection notice I received from IC Systems, which I believe to be invalid. I respectfully request your assistance in addressing this matter. 

I do not recognize this debt as valid for the following reasons : 1. I have not been provided sufficient documentation or proof of the validity of the debt.

2. To the best of my knowledge, I do not owe the amount claimed.

3. There may be errors or inaccuracies associated with this alleged account.

I have requested verification from IC Systems under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). To date, they have not provided any evidence that substantiates this claim, including a breakdown of the amount, proof of my agreement to the debt, or original creditor information.

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 2024-12-03 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:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXX XXXX : Bankruptcy chapter XXXX Case Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX TransUnion : XXXX XXXX XXXX dismissed Case Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXXXXXX Account Number : 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 2024-12-03 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXX Experian : XXXX XXXXr XXXXdismissed Case Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX  dismissed Case Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX  XXXX Account Number : 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 2024-12-03 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: IL

Complaint narrative:
I have been a victim of Identity Theft I believe someone has gotten my personal information and has been making numerous inquiries and opening Fraudulent accounts in my name. I recently checked my credit report and there are XXXX erroneous accounts that I did not myself open nor give my permission to open such accounts. I will list the creditors name the account number the date the account was opened and the amount that they opened for. XXXX XXXX XXXX  # XXXX {$1000.00} opened XXXX ; XXXX XXXX # XXXX {$41000.00} opened XXXX ; XXXX XXXX # XXXX {$45000.00} opened XXXX ; XXXX XXXX XXXX # XXXX {$560000.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$7000.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX {$3000.00} opened XXXX ; XXXX  XXXX # XXXX {$14000.00} opened XXXX XXXX ; XXXX Bank # XXXX {$2200.00} XXXX XXXX ; XXXX XXXX  # XXXX {$11000.00} XXXX XXXX ; XXXX XXXX  # XXXX {$6100.00} XXXX XXXX ; XXXX XXXX XXXX XXXX  # XXXX {$8600.00} XXXX XXXX ; XXXX & XXXX # XXXX {$320.00} XXXX XXXX ; XXXX XXXX XXXX  # XXXX {$450.00} opened XXXX. There are also XXXX inquiries showing on my report I will list the bank and the date the inquiries were made. XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-03 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: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
on XX/XX/XXXX reported the XXXX page documents with violation and fines XX/XX/XXXX i spoke with XXXX XXXX in the XXXX office she stated my claim was denied last year in XXXX and that resending the claim with added documentation will not reconclude the already made decision, will not reopen the identity claim has not been processed and won't be. the conversation continued with misleading tactics I was told the reason for the denial and lack of even looking into this account is because i don't have the right to recend this contract and falling in default would result in repoing the securities of the contract. all conversations should be with the cfpb at this point all conversation will be documented and recorded. it has been over XXXX days and i have not received a response from the fraud department Santander about my title of my vehicle, my money back and the violations rendering XXXX fine of each XXXX violations taken place since the account have occurred in XXXX. 
the fraud department has not sent me any letters they have had more then XXXX  days to review the document how for the second time the first time I was denied of my legal rights which is also a violation, simply stating wait for the fraud department tor responding knowing they have not responded in service unless thru the CFPB is gaslighting and misleading tactic within itself. 
The fraud department from Santander has not even notified me that the report has been open i believe XXXX XXXX me the truth but the statement that i will be contacted in XXXX  days has passed and come and gone and a revied letter was never received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before i seek litigation for defamation of character. ) XXXX XXXX XXXX  balance {$10000.00}, XXXX  XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$460.00}, XXXX XXXX balance {$2100.00}, XXXX XXXX XXXX  balance {$600.00}.

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 non-monetary relief
Consumer complaint received 2024-12-03 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: VA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I am writing to report that I am a victim of a data breach and have identified unauthorized credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I am writing to report that I am a victim of a data breach and have identified unauthorized credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I received an incoming deposit of {$76.00} from an international airline due to expenses incurred during a flight disruption and was charged a {$15.00} fee which represents nearly 20 % fee on the transaction amount. There are no free alternatives such as deposit via check or ACH given the international counterparty involved. I have spoken with the bank given the high fee amount relative to the transaction amount and lack of alternatives and was told there was nothing they could do due. The minimum fee schedules have not been inflation adjusted and this fee relative to the transaction amount is not in the best interest of the consumer. 

Case number : 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 2024-12-03 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: CO

Complaint narrative:
Collection has already been removed from my credit once.it was re-reported. They did not provide any type of communication or right of dispute. They are also unable to locate my account through their portal. I have attempted to reach out to them for settlement or debt validation to no response..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied to close my account at Bank of America back in XXXX after switching to a new bank. At the time I had XXXX dollars in my XXXX and like XXXX in my Checking. I was moving to a XXXX XXXX because of the fees. I recently looked at my accounts to check why they were not yet closed and Bank of America rep informed me that there is a XXXX  day processing period during which I was charged for Saving and Checking account maintenance fees, which then kept the accounts open leading to me building up debt to the bank of maintenance fees. After complaining and calling the bank out on not closing the account and building up a debt on me, the customer service rep was only able to take off XXXX of the charges. But he said he was not able to take of fthe last charge. Right now the accounts are Checking : XXXX Savings : 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 monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally address a serious issue involving LVNV Funding LLC and an unauthorized debit attempt, as well as a collection account that I previously disputed. 

Timeline of Events : XX/XX/year> : I successfully disputed a collection account with LVNV Funding LLC that I had no prior knowledge of, and it was subsequently removed from my credit report. 
XX/XX/year> : Despite the removal of this account, LVNV Funding LLC inexplicably obtained my account information and attempted to debit {$46.00} from my account without my consent. 
This unauthorized action is both unacceptable and unlawful. I have already sent formal letters to your company regarding this issue, but I am now escalating this matter for immediate resolution. I demand no further unauthorized attempts to withdraw funds from my account occur. 

I expect a prompt and thorough investigation into this matter. Additionally, I require written confirmation that my account will not be charged further and that all sensitive information will be handled appropriately to prevent any future breaches of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ( EX ) is failing to dispute information on my credit report. The credit reporting agency is claiming the letter is not valid because it was not submitted by me. On XX/XX/year>, I mailed a dispute to EX disputing specific items on my credit report due to identity theft. They received the letter XX/XX/year>. On XX/XX/year> they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my dispute and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to EX. I need this matter honor per FCRA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
My home is located in XXXX XXXX FL and it is an HOA. I have always had flood insurance and home insurance on my home. The flood insurance isthrough my HOA ( XXXX XXXX ). In XXXX of XXXX, Valon Mortgage purchased the loan servicing of my mortgage from XXXX XXXX. XXXX XXXX went out of business. Before New Rez went out of business and got purchased by Valon, I sent in certificate of flood and homeowner insurance coverage to prove that I have always had flood insurance on my home for the 6 years I have lived here. XXXX XXXX never responded or provided a refund. 

In XX/XX/XXXX, Valon became my new mortgage servicer. In XX/XX/XXXX, a Valon escrow department service rep gave me an email and suggested I send my proof of insurance to XXXX. I emailed everything in as directed and explained that XXXX XXXX owed me an escrow check and since Valon acquired XXXX XXXX, this was now their responsibility. In XX/XX/XXXX, I called Valon again and customer service representiative said said I need to email my proof to XXXX. I followed back up on XX/XX/XXXX & XX/XX/XXXX and got no response. It was a XXXX box email that never had a response. 

On XX/XX/XXXX, I called Valon mortgage again and spoke with XXXX in the XXXX Department. I was very frustrated and ready to call an attorney because Valon owed me thousands of dollars. She asked me to send my proof of insurance to XXXX and explained to me that Valon had the responsibility to refund my escrow and that it would be a lengthy process but I would eventually get my money back. 

It is now XX/XX/XXXX and I still have no refund. Although their customer service team has been doing what they can to help me, Valon and XXXX XXXX have had over {$10000.00} of my money over a year. This is egregious and illegal I desperately need assistance and I also live in an area that has been affected by XXXX hurricanes and am a disaster and desperately need my money back. If I dont get any assistance, I am prepared to call the your agency and begin a litigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-12-03 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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