vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with XXXX and TransUnion. I am not aware of this debt nor where it came from. The debt is listed below ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount {$3800.00} Date assigned XX/XX/year> This debt is a result of identity theft. Please provide any and all and all proof that this is XXXX XXXX accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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:
I recently reviewed my credit report and notice that i had fraudulent account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a line of credit with my bank that's terms state if 2 missed payments the account would be closed. I got an alert a payment was missed. I went to make a payment and it rejected my payment. Spoke with a representative that stated I missed a payment in XXXX but paid in XXXX and missed a payment XX/XX/XXXX ( these are automated payments ) to my knowledge prior to this my account was in good standing, the representative said my missed payment for XXXX was because the account had already been closed on the payment date.

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 2024-05-31 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo closed the estate account that I am the executor for. They mailed the check to the deceased family members address where no one lives and the property is being sold. They provided no notice no call or email regarding the account. When speaking with wells fargo in person they state that they can not reissue the check for XXXX business days even though XXXX return the check since it was undeliverable.

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 2024-05-31 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: VA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
When calling into Ally Financial on XX/XX/year> to finally resolve this issue with the car title being held and their refusal to release my title ; I was threatened that my vehicle was being listed for repossession. I have paid all fees and other charges required. I am being treated unfairly and this is illegal for them to threaten me that my vehicle is at risk of repossession after more than XXXX months in dispute of final payments due. 

The initial complaints that I filed against this company were closed out after they replied in writing however, they included an outright lie to justify their actions. 

When my vehicle was repossessed last year, I was not notified as required ; receiving a letter after the fact. When I reached out to determine the amount owed, I specifically asked for the amount needed to " close out the account '' with Ally completely. I then paid that amount which was {$5500.00} - although it was different from what the late letter received stated which was XXXX. Despite the difference, I paid it and then asked for my title to be released. Days later, I followed up and I was informed that I had an additional amount due. When I requested that amount in writing it was for {$2900.00} ( which has errors and inflated charges ). I then filed the complaints with CFPB and the final letters sent stated that I owed {$3500.00}. This amount was even different from the previous document. 

Ally has been dishonest in their record of events, they refuse to release the recordings of my phone calls that prove my case, they have sent me fraudulent documents with inflated charges, they continue to deny me of my title and they are now threatening to repossess my vehicle. This is an injustice. Please help!!!

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 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have tried to resolve my delinquency with SPS since XXXX. I have continually been I threw in the towel last XX/XX/XXXX and obtained an offer to purchase my home because SPS refused to work with me and modify my mortgage so I could resume making payments. 

Unfortunately, the sale fell through due to situations that I could not control. I took that as a sign to possibly reengage with SPS to modify my mortgage and retain my home. Over the past year, I thought SPS would eventually work with me and modify my mortgage ; however, SPS ultimately decided that they would not offer me a retention offer ; their only offer was to sell the property or do a Deed in Lieu. Since the Deed in XXXX would prevent me from receiving any profit, I started searching for an offer to purchase. I received a ratified contract on XX/XX/XXXX. 

SPS scheduled a foreclosure sale during my XXXXday appeal period, as outlined in the attached Mortgage Assistance Retention response. I have sent a Notice of Error stating that this should not have occurred because no sale date should have been scheduled during the appeal period. If SPS had not entered this sale date, I would not have the issue of requesting the postponement of the XX/XX/XXXX sale date. As you can see, I obtained a ratified purchase contract on XX/XX/XXXX, less than 10 days after my appeal period ended. 
SPS has stated they will not cancel or postpone the XX/XX/XXXX, sale date because the previous offer to purchase, over a year ago, did not go to settlement. 
However, SPS continues to state that they are attempting to help me. I feel as though they are determined to hurt me and strip me of equity in my home by forcing the foreclosure sale date. I believe the actions are criminal and attempting to take advantage of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a claim for unauthorized charges on my account, however, Chase denied the claim saying that the information provided doesn't match what was filed. The information I provided was indeed the same as what I filed, so I do not think it is fair that they rejected my claim. They denied to give my money back and reverse their transaction to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX has fabricated a baseless, criminally fraudulent debt claim against me in the amount of {$1400.00}. XXXX has never supported their fraudulent claim. They have turned this fraudulent debt claim over to at least 3 different collection agencies at this same time every year. Despite my refuting their fraudulent claim each and every year, they keep finding some miscreant collector to perpetrate their criminal enterprise. I have written detailed rebuttals on XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX  ) ; and XX/XX/XXXX ( Williams & Fudge, SC ). I'm XXXX XXXX XXXX and am XXXX XXXX and live in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediately upon opening their latest unmarked correspondence last night I went into XXXX and feared for my life. As I've explained to them in writing now on multiple occasions, I have never applied for admission to XXXX ; I have never spoken with anyone from XXXX ; I have never been admitted to XXXX ; I have never entered into any agreement of any kind with XXXX ; I have never set foot on any property owned by XXXX for any purpose ; and I have never otherwise been in conflict with XXXX, and there is thus no judgment against me for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Attempted to deposit money via the atm : XXXX on XX/XX/XXXX @ XXXX the receipt given showed XXXX. I thought it was a system glitch but when my money was not accessible, I went to the local branch to inquire and was told I had to wait for a letter from the Fraud team and there was nothing they could tell me or do. The entire time I could access my account and see my balance via online banking system. I have waited for the letter and nothing so I returned to the local branch today XX/XX/XXXX and was told the account was closed on XX/XX/XXXX but again no resolution. I then called the customer service phone number and was told by them that no amounts showed to be enough for fraud to flag the account. After escalating my issue to XXXX ( manager ) I was told that it was a dispute but no disputes were initiated by me. He then said well we have the right to close any accounts without reason. I explained the doesn't make sense as the issue started 2 weeks ago and the account has been open without any explanation from XXXX. In addition, the importance of keeping my account open for deposits etc. As a consumer I think this is truly unfair treatment and unjust. In addition, they have held my monies for over 2 weeks. My overall resolve would be for my account to be reopened as to avoid any further hassle and frustration with already existing deposit setups etc. I also feel they should pay interest on monies they have held from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
Credit card usage account information from XXXX XXXX. 

XXXX XXXX -Last reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXXLast reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXXLast reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXXXXXX XXXX XXXX -- Last reported XXXX XXXX, XXXX transferred to XXXX Jewelers and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX  XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: IL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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 am XXXX XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
This is this is a continuation of COMPLAINT ID XXXX ..Yesterday XX/XX/XXXX I received a letter from Huntington Bank with the date i.e. XX/XX/XXXX, which is still not specific to me.. there is no documentation or history of the transaction that I asked for from XXXX XXXX I do not think that this letter proves anything because it does not present no evidence that huntington bank did anything in my case.. I believe that this is a desperate and inept defense by them.. I didnt get the documentation and the course of the transaction, starting from the transfer, i.e. the time and date, then my report, then their report to XXXX to the ban

k ( what is the name of this bank??? ) which, according to them, rejected their request ( WHICH BANK REJECTS THE RETURN OF STOLEN MONEY???? ) date when the BANK STOPPED ( or tried to ) RESTRICTED TRANSACTIONS BY THE OWNER, .. date and the hour when these transactions were processed.. I also want to know on what basis they concluded that the money was sent from my phone and l also want proof of this.. I am attaching attachments to my complaint with photos of the transactions that the bank passed on to the thief and a photo showing that both transactions were still in progress when I called the bank to notify about the crime.. and a photo showing a call to Huntington Bank on the same day the transactions were made and the police report number and also a piece of paper that I received
from Huntington Bank, dated XX/XX/XXXX, without a signature, without any specific justification, without documentation ( the investigation- dispute should last 90 days not 4 ) I would like to remind you that I reported the crime on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: IL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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