vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I sold my house, XXXX XXXX sent me a check for XXXX. I moved out of country. I sent the check to the bank and it was Stale Dated. NO GOOD. I can not get in touch with them. It has been a year and a half. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
I requested in XX/XX/year> to validate all debt that was incurred and no response was given.

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 2024-10-19 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: TX

Complaint narrative:
I just recently looked at my credit report XXXX I saw some hard inquiries that did not have permissiblXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis inquiry has no permissibleThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XX/XX/XXXX, XXXXThis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b

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 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MA

Complaint narrative:
I opened the US bank Skypass Visa Signature Card on XXXX with the offer of XXXX miles after spending {$4000.00}. I completed spending {$4000.00} in XXXX, but didn't receive bonus miles. I asked the US Bank why I didn't get the bonus miles even though I met the conditions. Their response was that it was because I had receive a bonus mile with another Skypass Visa Signature Card within the past 5 years, which was not in the term when I open the card in XXXX. As far as I know, this requirment ( 5 year rule ) was new since 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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Report Item XXXX  ( XXXX  XXXX ) To Whom It May Concern : I am writing to formally dispute an inaccurate item that has been reported on my credit file concerning a debt with XXXX XXXX  , managed by XXXX. I believe this issue is a result of an error and needs to be corrected promptly. I have attached supporting documentation for your review. 

The details of the account are as follows : XXXX Account Number : [ XXXX ] Creditor : XXXX XXXX. 
Resolution Date : XX/XX/year> ( as indicated in the attached documentation from XXXX ) As outlined in the attached correspondence from XXXX, this debt was fully resolved, and I received confirmation that no balance is owed. Despite this, my credit report still reflects a negative charge-off for this account. The continued reporting of this debt as unresolved is inaccurate and unjustified. 

I am requesting that the Consumer Financial Protection Bureau assist in having this negative information removed from my credit report, as it no longer applies. This correction should be reflected with all three major credit bureaus : XXXX, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to confirmation of the removal of this erroneous information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Report Item XXXX ( XXXX XXXX  ) To Whom It May Concern : I am writing to formally dispute an inaccurate item that has been reported on my credit file concerning a debt with XXXX XXXX , managed by XXXX. I believe this issue is a result of an error and needs to be corrected promptly. I have attached supporting documentation for your review.

The details of the account are as follows : XXXX Account Number : [ XXXX ] Creditor : XXXX XXXX. 
Resolution Date : XX/XX/year> ( as indicated in the attached documentation from XXXX ) As outlined in the attached correspondence from XXXX, this debt was fully resolved, and I received confirmation that no balance is owed. Despite this, my credit report still reflects a negative charge-off for this account. The continued reporting of this debt as unresolved is inaccurate and unjustified.

I am requesting that the Consumer Financial Protection Bureau assist in having this negative information removed from my credit report, as it no longer applies. This correction should be reflected with all three major credit bureaus : Equifax, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to confirmation of the removal of this erroneous information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bell Global Services LLC
State: CA

Complaint narrative:
So there was some CC debt from way back in XXXX, and it isn't even a large amount whatsoever, which BTW has been written off! They're MO is calling and threatening, frequency being up to 6x a day, and that will go on for a week, 10 days, then it's almost as if they take a break from me and then give or take they repeat same tactics approximately 2-3 weeks later!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Nelnet, Inc.
State: GA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : NELNET Account Number XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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:
Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Since XXXX I have been dealing with XXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I remain XXXX XXXX  and during my XXXX, fraudulent accounts were opened in my name. Due to my XXXX I was unaware of these activities until my condition improved, at which point I began submitting disputes with both the creditors and credit bureaus. The creditors have investigated and confirmed the accounts were fraudulent, issuing deletion letters. Several creditors also confirmed that the transaction records are no longer available due to the age of the accounts and transfers to multiple parties. In other cases, creditors deleted the accounts without requiring further investigation based on the strength of the evidence. 

However, Experian continues to report these fraudulent accounts. Despite having provided the FTC Identity Theft Report, proof of identity, and creditor deletion letters multiple times, Experian refuses to delete these accounts, citing that I may have benefited from the transactions a baseless claim, especially since no transaction records have been provided to me, nor do the original creditors possess them. I have requested these transaction records from both Experian and the creditors for over a year to no avail. 

Experian 's implication that I benefited from these transactions, without providing any proof, is deeply harmful and unsupported by any evidence. Their failure to produce the transaction records or provide a detailed investigation contradicts their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, I understand that credit reporting bureaus do not generally maintain transaction records ; however, since Experian is referring to these transactions, I suspect they may have more access to this data than they are disclosing. 

Additionally, I am not interested in providing more evidence as I have already submitted more than is legally required. Every prior complaint includes the FTC Identity Theft Report, hospice certification, and the creditor deletion letters. I am also documenting all communication for a future lawsuit, as my health currently prevents me from pursuing litigation. The stress from these ongoing false accusations has XXXX my condition, resulting in multiple XXXX XXXX XXXX XXXX XXXX, which I have documented.

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 2024-10-19 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: FL

Complaint narrative:
ACCORDANCE WITH THE FAIR CREDIT REPORTING act 
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  




HAS VIOLATED MY RIGHTS.
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
- PRIVACY.
15 U.S.C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by J J MARSHALL ASSOCIATES. This complaint concerns a case of identity theft and the failure of J J MARSHALL ASSOCIATES to properly verify the ownership of the debt before reporting it. The key facts of the situation are as follows : The debt in question was originally held by XXXX XXXX XXXX XXXX, which they charged off and subsequently closed. Afterward, XXXX XXXX XXXX XXXX sold the debt to J J MARSHALL ASSOCIATES, a debt buyer. Despite the fact that XXXX XXXX XXXX XXXX had charged off and closed the account, J J MARSHALL ASSOCIATES is now reporting the debt as open and active on my credit report. I requested debt validation from J J MARSHALL ASSOCIATES, and they failed to provide any sufficient proof that this debt belongs to me. It appears that J J MARSHALL ASSOCIATES simply relied on information provided by XXXX XXXX XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. As a result, J J MARSHALL ASSOCIATES is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by J J MARSHALL ASSOCIATES, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. A thorough investigation into the validity of this debt, ensuring that J J MARSHALL ASSOCIATES follows the proper procedures to validate the debt before reporting it on my credit report. Assistance in correcting my credit report, ensuring that the wrongful information reported by J J MARSHALL ASSOCIATES is removed. I have attached relevant documentation, including my request for debt validation, correspondence with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company is violating my consumer rights by using false misleading information, misrepresentation, and deceptive means. have made a number of attempts to fix issue directly and they are violating my rights which would amount to {$1000.00} for each violation, I demand they pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error. I have no knowledge of the listed reported inquiries and have not provided any authorization to access my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NV

Complaint narrative:
This is my 8th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX Amount : {$1500.00} & {$1800.00} Company : Mindland Credit Management.

To whom it may concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection practices Act. ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual that is binding on me to pay this debts. 
This is NOT a request of verification or proof of my mailing address, but a request of VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your officers provide me with components evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had closed my checking account at Citi bank. However, I forgot to update my direct deposit from my employer and {$750.00} was deposited to Citi. This money, though, was never kicked back to my employer. Instead, Citi and held onto the money and is not willing to work with me on getting the money back to me. The closest branch is 3 hours away.

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 2024-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I was the victim of identity theft but my ChexSystems report was still not fixed and corrected

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 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I received a letter in the mail about a late payment to credit union I never heard of. I called and was asked questions about me but never got a definitive answers. I refuse to pay for a loan I never took out and never received any kind of form to use. I am attempting to claim identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
The following account was found unverifiable or incorrect by XXXX and XXXX and deleted. The other should as well. 

XXXX 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 non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I made a payment of {$75.00} on XXXX for my XXXX bill. On XX/XX/XXXX I received an email stating I had a payment due on XX/XX/XXXX. Unfortunately, I did not read my email until late in the evening. When I checked my checking account the payment was taken out on XXXX so they had received the payment. I called the company on XX/XX/XXXX told them I had made a payment on the XX/XX/XXXX. She checked into and told me that yes, she saw where I had made the payment. I told her that was my XXXX payment. She told me no the company considers that a XXXX payment because my billing cycle runs until the XXXX. I said how am I supposed to know that, since you have quit mailing paper bills. She said I should be getting an email bill. I said I really don't know if I do or not. So, they are charging me {$30.00} late fee. I do not feel I was late because I had paid it ahead of time.

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