vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VI

Complaint narrative:
I am submitting this complaint regarding a fraudulent debt reported by Discover Bank ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Discover Bank failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights. 
2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA. 
3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Discover Bank is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations. 
5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account contains incorrect information on my credit report across 2 Credit Bureaus, being Experian and XXXX. The named account reports inaccurate information within 2 bureaus that is completely different. The multiple inaccuracies such as payment history, balance owed and other factors reporting are completely against my rights under the FCRA. For that reason XXXX has removed this account from their reporting Bureau. I have sent Experian a letter regarding this matter and it has not been resolved.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  keeps reporting an account that the statute of limitations has already expired. XXXX XXXX is breaking the Fair Debt consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I am facing harassment and fraud from XXXXXXXX XXXX On XX/XX/year>, I called XXXXXXXX XXXX to ask why they are saying I owe {$7000.00} when I already paid them this amount. When I called, I was asked a series of questions, all of which I answered. I was then put on hold for a long time and then transferred to a " survey line '' which I did not call in for. 

Furthermore, XXXXXXXX XXXX  is repeatedly writing that they are charging me " Fees '' in every single XXXX of my monthly statement until I slip up and pay this bogus fee. XXXXXXXX XXXX must immediately remove this bogus fee, which is typically over {$200.00}, and never charge any consumer who is paying their mortgage every month as I have been doing. 

Based upon these facts, I demand a shutdown of all of XXXXXXXX XXXX XXXX operations in the U.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 can not 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 non-monetary relief
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXXXX/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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 can not 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Date of Birth XXXX Last XXXX digits of Account number XXXX Subject : Urgent Assistance Required for Missing Wire Transfers Dear, Revolut Technologies Inc, I am writing to express my deep concern and frustration regarding XXXX wire transfers I sent approximately XXXX weeks ago. The receiving bank, XXXX XXXX, informed me that they were unable to accept the wires and returned them to the sending bank. However, I have yet to receive the funds back in my account, and I am growing increasingly distressed by the lack of resolution and clarity from your team. 
Here is a summary of the situation : XXXX. The XXXX wires were initially sent about XXXX weeks ago. 
XXXX. XXXX XXXX, the receiving bank, was unable to accept the transfers and returned them to the sending bank, XXXX. 
XXXX. After not receiving the funds for about XXXX business days, I contacted XXXX customer support to explain the situation and requested a recall of the wires. 
XXXX. I was informed that the recall could only be initiated XXXX business days after the scheduled return date. 
XXXX. After the XXXX business days passed, a claim was submitted by XXXX back office department to recall the wires. 
XXXX. After another XXXX weeks, I was informed that the back office team was unable to recall the wires without a trace number from the returning bank. 
XXXX. I then visited XXXX XXXX and obtained the trace ID numbers for the returned wires. I immediately provided these numbers to your team. 
XXXX. Despite providing this information, I am being told that your bank still has not received the funds from the returning bank. 

It has now been XXXX weeks, and I am still missing a significant amount of money. Throughout this process, your customer support team has been completely unhelpful and appears incapable of resolving the situation. Furthermore, it is extremely frustrating that there is no phone number available for me to speak to someone directly about this issue. The lack of effective communication and resolution is unacceptable, and I feel as though I am being given the runaround. 

I urgently request that you escalate this issue to the appropriate department and provide a clear and immediate solution. I need to know when I can expect the funds to be returned to my account. If this issue is not resolved promptly, I will have no choice but to escalate this matter further. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution. 
Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Email : XXXX Phone number- XXXX Date of the wire transfer XX/XX/scrub> 2024, and XX/XX/scrub>, 2024 Amount : {$300.00}, and {$100.00} Reference Number from beneficiary bank for returned wire transfers, REF # XXXX, REF # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Service Company
State: TX

Complaint narrative:
I applied for credit and was denied right on the spot. I decided to pull my credit reports, and I have found that a collection agency by the name of Credit Service is reporting false information and reporting a fraudulent and false balance each month to the credit bureaus. Credit service is reporting a NEW BALANCE each month since the year XXXX, maybe even earlier. Credit Service collection agency has been increasing the balance amount in XXXX XXXX  {$5.00} increments each month like this is some type of credit card account or loan account when it is neither and when it does NOT belong to me. I want this account deleted from all XXXX credit bureaus : XXXX, XXXX, AND XXXX This account is listed as non-medical on my credit reports. I looked up the name and number of this business called XXXX XXXX is an actual medical clinic/facility. Isn't there a law against collection agencies publishing medical information HIPPA law correct. How can they just take a medical facility name and pretend like its another type of business or account? 
Please delete this account. It is hurting my credit each month. This false reporting has brought my credit score down to a very low score. I found in my credit reports that this collection agency, which I do not receive any type of paperwork from or monthly statements from, is reporting false balances each month. This is false, a non-truth, a flat out lie. They have it listed like I talk to them or have some type of communication with their company, and I have never spoken with anyone or received anything for them to list this fraudulent information. AGAIN, THE CREDIT SERVICE COMPANY IS REPORTING FALSE BALANCES EACH MONTH IN AN ATTEMPT TO COLLECT MONIES FROM ME AND THIS IS A FORM OF FRAUD. THIS IS FRADULENT BEHAVIOR. Please DELETE FROM THE CREDIT BUREAUS that is reporting the information : XXXX, XXXX, AND XXXX Here is what this collection agency is reporting. False and made up balances each month that I do not owe and are not mine. 
Date Balance Scheduled Payment Paid XX/XX/XXXX {$810.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XXXX XXXX {$790.00} {$0.00} {$0.00} XX/XX/XXXX {$790.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00}

Company response to consumer: Untimely response
Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-09 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've recently checked my credit report and noticed some unauthorized inquiries.

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 2024-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint narrative:
I am a XXXX XXXX living outside the XXXX. 

In XXXX, I opened a Money Market Savings account at what was then XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. I deposited money for my retirement years, and left it there, untouched. For 22 years, I have been receiving a monthly interest and monthly statements. 

In XXXX, First Citizens Bank took over my old bank. Suddenly, in XXXX, I stopped receiving monthly statements. I emailed First Citizens about the missing statements, and they replied as follows : " A monthly statement has not been produced for your account ending in XXXX because it is currently in an inactive status. Your account will go into an inactive status when there has not been any account activity within 12 months. In the inactive status, a statement will only be produced semi-annually. Your statement cycle will resume once there has been activity on your account. If you would like to have your account be made active again, please contact your local branch or make a deposit or withdrawal from the account ''. 

What? 

For 22 years my account was happily " active '' and now suddenly First Citizens decides it is inactive? 

THIS AND MORE : FIRST CITIZENS MADE MY ACCOUNT INACTIVE WITHOUT EVEN CONTACTING ME FIRST AND GIVING ME A WARNING! 

But I had more urgent things on my to-do list then, so I wired money from another bank and paid a large wiring fee. 

This year, in an attempt to preempt the problem, I emailed customer service and asked them to verify that my account will not become inactive again. Once again, I got the usual robotic response : " Your account will go into an inactive status when there has not been any account activity within 12 months. If you would like to have your account be made active again, please contact your local branch or make a deposit or withdrawal from the account ''. 

Mind-bogglingly, please note that a mere XXXX months ago, I filed a complaint with the CFPB against First Citizens Bank ( COMPLAINT ID XXXX ). My complaint was found justified, and the bank had to apologize. And now they have the nerve to claim that my account will become inactive because there was no account activity within the last 12 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief