vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Absolute Resolutions Corporation/ Absolute Resolutions Investments LLC has been harassing me since May by sending agents to my home to serve legal papers for someone who does not live at this address. Despite repeatedly informing them of this, they have continued to send agents, which has caused me to fear for the safety of my family. 

On several occasions, agents have arrived while my children were playing outside or when we had guests over. They have asked my guests and my children about the individual they are trying to serve. One agent even came by after XXXX ( XXXX ) on XX/XX/year>, approaching my open garage. This violates the FDCPA. There have been XXXX attempts in total, and each time Ive asked the agents to stop coming because I can not assist them. The consumer laws have constantly been violated by this company and FDCPA needs to be notified of these practices. 

The most recent incident occurred on XX/XX/year>, at XXXX, when a Caucasian male knocked on my door asking for this individual. I informed him again that I do not know the person and warned him that if they returned, I would take legal action. To my shock, the agent left the persons personal documents on my car. 

I find it unacceptable that this company is sending agents to the wrong address and leaving sensitive information behind. This information included a summons for court with my address ( incorrect address of the person ), the person 's name, and the personal contract between the person and the company. I would be livid if a company just left my personal information on a random car, especially because someone could use the personal information to commit fraud. I have tried contacting Absolute Resolutions Corporation to inform them, but I have not been able to resolve the issue. Their continued actions are not only distressing but also illegal, as they are attempting to collect a debt in an improper manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a new Bank of America XXXX XXXX credit card on XX/XX/year> ( application ID : XXXX ). I was automatically denied. I spoke to a live agent on XX/XX/year> who informed me I was denied due to too many recent card approvals on my credit report ( XXXX ). 

Upon closer inspection of my XXXX credit report, I see only 2 new personal credit card approvals in the last 12 months ( XXXX in XXXX, XXXX in XXXX ). This is far below any reasonable limits for new card applications. 

I have a 20+ year relationship with Bank of America and a Preferred Rewards Platinum client. I am disappointed there is no support for my application for a new Bank of America product.

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 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
This account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.

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 2024-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.

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 2024-10-07 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion LLC Consumer Dispute Center po box XXXX  XXXX, PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX XXXX XXXX  XXXX XXXX XXXX MD , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX  XXXX  XXXX PA, XXXX XXXX XXXX XXXX XXXX PA, XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, PA XXXX.I also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1.XXXX  XXXX 2.XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX 5.XXXX  XXXX XXXX 6.XXXX  XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. XXXX  XXXX2.XXXX  XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX A XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX PA, XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, PA XXXXI also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1.XXXX  XXXX 2.XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX 5.XXXX  XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. XXXX  XXXX2.XXXX  XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you 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 2024-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
I received a text message today aftering paying a debt to XXXX on the XXXX  of XXXX to the amount of XXXX which last month I verbally confirmed I would pay on the first agreeing they can auto pull it from my account XXXX XXXX  on a recorded line with XXXX to which they did in fact do that and my account on my end showed no debt owed and I stopped receiving unending calls from XXXX and texts and emails that my XXXX I owed debt for a few weeks and XXXX was coming after me like brutally the amount they contacted me was super inappropriate. However, the real issue is that my debt was paid and today XX/XX/XXXX I received a text from a debt collector saying I still owed XXXX but its to XXXX XXXX? Which confused me because that was the debt in exact amount I owed XXXX before paying off my debt XX/XX/XXXX. So this morning about 20 minutes ago I was on the phone with Payal at XXXX ish I believe to request information if my debt was paid or not because I was receiving texts from a debt collector saying I still owed money, past the point when I had already paid my debt. XXXX confirmed to me on a recorded line that my account is in good standing and I had infact paid it off on the XXXX and do not owe them anything. I uploaded the screenshot of the text from the alleged debt collector to the XXXX app while on the phone for the the customer service worker and she yet again confirmed to me I do not owe XXXX any money and I do not have a XXXX XXXX account nor would he possible to owe XXXX XXXX the exact amount I owed XXXX down to the cent. So, at this point I am pretty XXXX convinced I am being sent scam texts by a debt collector. I am XXXX and on XXXX where I really barely make enough to live so this is highly upsetting getting harassed by scammers when I am already struggling to get by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have been frustrated to contact with the XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, Equifax XXXX XXXX XXXX during robocalls since XXXX. I am tired of the hard working to get a living relay to help the understand communication access when the robocalls keep circle or restrict limited communication. I am not interested to report security freeze. I rather report to the fraud department that someone theft my identity person in XXXX. That's unacceptable very serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I used an XXXX XXXX XXXX account card to purchase items. I updated my address but it was several months before I received a bill. They told me they waived the fees associated with that but it was a lie. I made arrangements to pay half of the balance off with an associate over the phone and he didn't put my request in resulting in a late fee. That call was reviewed by a manager and corroborated that they made a mistake. They still assessed late fees against me. I made an arrangement last week for the XXXX of XXXX to pay the entire balance off WITH THE LATE FEES INCLUDED, and they haven't processed the payment, today is the XXXX. I believe they intend to charge me the interest balance instead of the 0 %.

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 2024-10-07 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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-07 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:
Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
XXXX XXXX XXXX XXXX  XXXX 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 XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-10-07 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account I was never late for. Consumer reporting agencies have assume a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Multiple organizations have officially been notified of the information that you have been incorrectly, fraudulently including in my consumer report even after numerous attempts of trying to resolve the situation with you. The fact that you have not responded to over 20 completely different notices that I have sent you. You have just ignored all of my pleas for your assistance in this situation. I have sent you a previous notification which detailed that I've placed you on notice but I will be sending it to you again for my records and yours. Under the very penalty of perjury I have found the information in this document and all other attachments to be to the best of my ability. It is only right for you to not only conduct your procedures in a way that is with the highest accordance of law. You have taken it upon yourself to obtain and hold a natural persons ' personal identifying information without even gaining their consent first.

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