vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account is fraud and is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: MD

Complaint narrative:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and I am personally submitting this complaint without any third-party involvement. I have attached letters to provide detailed information about the entries on my credit report. I have never had a contractual relationship with Diversified Adjustment Service , Inc., and I believe XXXX XXXX, the original creditor, sold my account without proper notification. This is a clear violation of FCRA 611, as it pertains to inaccurate reporting on my credit report. Please delete this account immediately due to the inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-07-17 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-07-17 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CO

Complaint narrative:
Ive deposited a check for XXXX XXXX  for XXXX dollars has XXXX available balance, used it then they took it off, spent 4 days looking for food in the garbage to eat it. 
Keybank let someone from the XXXX XXXX use my card for XXXX dollar + foreign fees, did not get any single fraud message while its international transaction, opened my claim and then denied it on the 10th business day to after that re opening it. 
I told them that im breaking apart numerous times but they didnt really seem to care. 

Im tired and these people have treated me the worse way you could imagine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX. Made phone call to " XXXX '' from email I received regarding possible fraud on my XXXX account. ( And yes, I know not to do this ) XXXX. Spoke with XXXX /said the charge of {$550.00} would have to be corrected in a program that I would have to access. After accessing program, I was instructed to enter several fields ( and NOT to make any mistakes ), In the field where I was to enter {$150.00}, I thought I entered {$150.00}. However, I believe the program was designed this way on purpose. Then XXXX told me I had just entered {$15000.00} in my bank account and I would have to write a check to withdraw the funds. 

I wrote check for {$15000.00}, went to bank, cashed check, returned home. XXXX instructed me to put the money inside the pages of two books and mail to address I was given. 

At this time I knew this was strange but did not know how to correct the situation since I had initiated the phone call. 

During this time also, XXXX stated that someone in his office made a mistake and had deposited {$1700.00} in my account and I would need to go to XXXX and buy three {$500.00} XXXX gift cards which I did. With the remaining {$200.00} I was to mail the two books " next day '' with money inside to : XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX. This is a XXXX store. 

XXXX instructed me not to tell anyone about these transactions and I was not to do any banking for 24 hours from that Friday. 

The {$15000.00} and {$1700.00} were not my money to begin with. It was their funds. I never gave XXXX permission to withdraw any funds from any of my accounts. I now believe XXXX hacked into my computer and transferred money from my XXXX XXXX XXXX and transferred money to my checking account and withdrew my money that way. 

I also filed a report with XXXX XXXX XXXX Police Department as I live in town limits ; they checked it out; told me there was no way they could pursue matter. 

I have since closed all my accounts with Truist except for a low interest Master Card.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX, I sent a dispute letter via the consumer reporting agencies because I can not verify the information reporting on this account. On XX/XX/XXXX I received a response from you via XXXX. 

On XX/XX/XXXX I sent a dispute directly to you at the address specified on my credit report which is XXXX XXXX XXXX, XXXX, MN XXXX. I have confirmation that The letter was delivered to that address on XX/XX/XXXX at XXXX. I have received no response back from you. I am challenging the accuracy of the accounts You are reporting on my consumer report. 

The first challenge Im disputing is the fact that this account is failing to reflect a closed status in the payment history section on my consumer report in the appropriate month the account was closed. 

I understand that this account did charge off, I am not disputing the account status, but the payment history status. A charged off account is a closed account in which no future payments are scheduled to be made. But unfortunately, the payment history on this account is not reflecting a closed status at all. I want to stress the fact that if you look at the remarks on this account, it clearly says closed by credit grantor so where is my closed status in the month the account was closed? 

Another thing I am unable to verify is the payment history on this account from XX/XX/XXXX to XX/XX/XXXX because there is no data being reported for any of these months on my XXXX report, none of my positive payment history is being reflected on this account, which makes it incomplete. 
Please take a look at this supporting documentation that I have included in this letter, which includes a copy of my XXXX report and The investigation results that I received from the consumer reporting agencies of you verifying that this account is indeed reporting accurately. 

I dont agree with that conclusion at all this account is definitely incomplete, and unverifiable. I am demanding the immediate compliance of this account to meet the FCRA standards. If you can not bring this account up to compliance with the FCRA. You need to remove this account immediately.

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 2024-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
QWR, XXXX, request for disclosures under TILA and Complaint against US Bank and demand to return original Promissory Note, original Mortgage, original Allognes and original Assignment of Mortgage and wet-ink signed release of liens by an authorized employee of the Creditor On XX/XX/XXXX law Firm XXXX and Associates filed Lis Pendens and foreclosure action against my property located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX On XX/XX/XXXX or four month later XXXX prepared and filed forged Assignment of Mortgage to US Bank as Trustee for Structured Asset Investment Loan 2006-BNC3. Here were never any allonges accompanied by wire transfer receipt, cancelled checks or ACH evidencing that XXXX  XXXX ever paid any money for the debt or about any transfers of the legal debt at all My property was foreclosed and sold to a bona fide purchaser XXXX XXXX XXXX  XXXX.on XX/XX/XXXX. Therefore, US Bank as Trustee received $ $ $ proceeds from this sale and must deposit them on the account receivable owned by the XXXX. The Special Warranty Deed was prepared by lawyers from XXXX under unknown to me authority. 

US Bank received money from the sale, but never returned me my original documents - Promissory Note, Mortgage, Alonges and Assignments and never provided me any lien releases after my property was sold to bona fine buyer. 

I demand US Bank to immediately return me my original documents - the original Promissory Note ; Mortgage ; Allonges and Assignments and provide me wet-ink signed release of lien from an authorized employee of the Creditor along with the copy of the ledger of the account receivable owned by the XXXX  evidencing that this account receivable was closed after US Bank sold my property to a bona fide buyer and received money from this sale

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I opened up an account using a promo code that would give me a bonus if I met criteria... The criteria was to have {$10000.00} deposited within the account within the first 90 days and maintain that balance the entire time for a following 45 days to receive your bonus. XX/XX/XXXX was the XXXX day after my XXXX day after opening the account. On XX/XX/XXXX I called the bank asking why I had not received my bonus yet, and if I had met all of the criteria to earn my bonus. 

The rep did some digging and found out that I had met the criteria and told me that I would be getting the bonus at the end of XXXX probably a payment would be credited by XX/XX/XXXX at the latest. 

The problem here is that I was told that I would be credited on the XXXX day after 90 days after opening the account, so m & t Bank is engaging in false advertisement again, as numerous banks do. 

The funds should be in my account now, but m & t Bank has lied so they can keep my money tied up longer than we agreed on contractually. 


Ref # XXXX- XXXX, XX/XX/XXXX starting at XXXX, XXXX minutes phone call recorded for quality purposes.

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 2024-07-17 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 reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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