vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
Experience refuses to change my address to new york.

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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NY

Complaint narrative:
The property where the utilities were provided was sold. I contacted XXXX after the sale of the house to cancel via telephone. They said that the account was closed however the following month I received another bill so I called once more to have the account closed. The following month, I still received a bill. I then sent an email to XXXX customer service stating that this account needed to be closed because I sold the property and have not lived there even months before the sale. I even included a copy of the closing statement. I once again tried to contact someone in management and missed the " 1 '' return call which left a voicemail to call back and speak to anyone. When I called back the number from the voicemail I was instructed that I needed to leave a voicemail and wait for a return call. Up to this day I have not received a return call but I am being harassed for a bill on account that I have requested to be closed multiple times due to the sale of the property. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On the XXXX of XXXX, I found myself in a distressing situation when Credit Karma abruptly closed my account. Their reason? Allegedly, they had sent an email back in XXXX requesting account verification. However, I can say with certainty that I never received such an email. This closure came at an incredibly inconvenient time for me, as I had just completed filing my taxes using XXXX. To expedite the process, I had opted for the refund advance program offered through Credit Karma, which allowed me to receive {$2500.00} in advance against my anticipated {$16000.00} tax refund. 

It was a relief to have access to these funds, especially as a single mother responsible for XXXX children. Our financial stability heavily depends on the timely receipt of my tax refund, particularly at the beginning of the year. However, the sudden closure of my Credit Karma account has thrown my entire tax return into limbo, leaving me in a state of uncertainty and anxiety. 

Adding to my concerns is the fact that I recently relocated from Maryland to Florida. The move itself was already a significant transition, but now facing financial uncertainties amplifies my worries further. The decision to utilize the advance program was made to alleviate financial strain, not to endure additional stress and uncertainty. 

What's most frustrating is Credit Karma 's apparent lack of accountability and unwillingness to rectify the situation. Despite my attempts to seek clarification and resolution, they have been unresponsive and even disconnected calls while I was trying to address their unjust and unethical actions. 

As a responsible and hardworking individual, I find it deeply distressing that a company would toy with my livelihood in such a callous manner. I hope that Credit Karma will recognize the impact of their actions and take steps to rectify this situation promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
They are calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need credit from this store i dont know whats wrong its best buy btw

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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for my own credit and was denied through WellsFargo Bank. 
Application ID # XXXX My rights have been violated and I'm exercising as per the equal credit opportunity act. I extended my application of securities and received no valuable exchange. 
I demand for my application to be approved or for my application to be returned. 
Deniel of this request will result in securities fraud. 
Regardless of the reason you have denied me my own credit this falls under discrimination and I have been injured. 
Being denied my own credit has brought me humiliation and heartache. 
I also never singed or agreed to any written consent to my private information to be sold or extended to a third party such as a credit reporting agency. do to this fraudulent activity my credit has dropped and ive been injured in many way for this.

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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Between XX/XX/2020 and XX/XX/2020, someone lived at XXXX XXXX XXXX, XXXX, TX. Their account with XXXX XXXX in XXXX had an unpaid balance of {$320.00} and was charged to an account with the name XXXX XXXX. My name is XXXX XXXX. This person used my SS # and my date of birth on this account. XXXX XXXX  turned the delinquent account over to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PA XXXX XXXX They in turned the delinquent account over to Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX. We have sent Identity Theft Affidavit to Resurgent. We have sent letters to Resurgent and to XXXX XXXX explaining that this was not our debt. We do not know the name of the person creating the debt. XXXX XXXXXXXX could not give us their name or phone number. We do not know if this was identity theft, fraud, or a mistake on the part of XXXX XXXX. In any case, due diligence would have made it clear that the person opening the account with XXXX XXXX was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
For the past five months, I have filed disputes with Experian to change ther " On Record Until '' date on my credit report. When I contact Experian disputes, the representatives agree that the report until date, ( the date that negative information will be removed from my report ) is incorrect. Experian has the correct information noted that the last payment to XXXX was received on XX/XX/XXXX and the on record until date should be XX/XX/XXXX. It still shows XX/XX/XXXX. This is the ongoning dispurte that I have repeatably been told by Experian that they will correct this information and update it. Each time they send me the dispute results with the same error. 

Negative information should be removed from report seven years from the date of the first missed payment, which was XX/XX/XXXX. Experian has this information but refuses to update the report until date of XX/XX/XXXX, which is eight years from the first missed payment made on the account. XXXX and XXXX have already correctly removed this account from my credit report. 

According to the FCRA act " When a creditor writes off your debt following nonpayment, this is known as a charge-off. Charge-offs remain on your credit report for up to seven years from the date of the first missed payment. '' I would appreciate any further assistance with this dispute as I seems Esperian refuses to resolve this issue that continues to harm my credit as negative information while not being removed on the correct date, which is this XX/XX/XXXXXXXX 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 2024-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I noticed an account with sunrise credit XXXX on my credit report on XX/XX/. I called XXXX, XXXX XXXX, and XXXX for submit a fraud dispute but so far XXXX XXXX and XXXX are saying it is my account when it is not.

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 2024-02-07 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: GA

Complaint narrative:
After pulling my three credit reports i see a lot of incorrect information. Also, it appears someone has used my info which has created identity theft. I want to have all negative information, fake addresses where I never lived and wrong phone numbers listed remove from my Equifax, XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive called and sent letters to Transunion, XXXX and XXXX. I counted how many times each company violated my privacy ( 15USC6801-6805 ). Transunion had XXXX, XXXX had XXXX, and XXXX had 401 violations. I sent them each a copy of my credit report with highlighted violations 3 weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: VA

Complaint narrative:
On XX/XX/2024, I attempted to purchased a vehicle from Carvana. On XX/XX/2024, BEFORE finalizing my application/approval, Carvana withdrew the deposit, which was {$2300.00}, from my bank account. It took 1.5 business days for Carvana to withdraw money from my bank account but it will take Carvana 7-10 business days to return it. Why are they allowed to briefly steal money from consumers BEFORE finalizing approval? Now I can't get a vehicle until Carvana returns my money. That is extremely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
My personal information was breached through a staffing agency in 2020. I alerted the credit reporting agencies and my current creditors. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or have any knowledge. I've contacted the CRA 's twice requesting verification with no formal response. 

I have a right to privacy, reporting accounts to my profile without my written consent is in violation of 15 USC 1681. 
After investigating these accounts are being reported due to identity theft. Furnishing accounts to my credit profile in direct relation to identity theft is in violation of 15 USC 1681 c-2. 

I also noticed a slew of addresses being reported that I have never resided nor have any relationship with. These addresses being reported are affecting my true identity and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
My personal information was breached through a staffing agency in 2020. I alerted the credit reporting agencies and my current creditors. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or have any knowledge. I've contacted the CRA 's twice requesting verification with no formal response. 

I have a right to privacy, reporting accounts to my profile without my written consent is in violation of 15 USC 1681. 
After investigating these accounts are being reported due to identity theft. Furnishing accounts to my credit profile in direct relation to identity theft is in violation of 15 USC 1681 c-2. 

I also noticed a slew of addresses being reported that I have never resided nor have any relationship with. These addresses being reported are affecting my true identity and my ability to obtain 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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I was contacted by this company several times in XXXX, stating that I had an old debt through a company I had not heard of. I asked for Debt Validation and Verification of Debt, I was told they weren't not required to provide and that if I didn't setup payments today they had a certified letter ready to go out in my name to my home to take me to court. I stated that I was happy to setup payments to handle a debt if the debt was valid and mine but I needed a Debt Validation and my law, they are required to provide one. They became extremely nasty, XXXX XXXX and a manager by the name of XXXX. 

I then stated I was calling the original creditor they noted to try and find debt validation, they got even more rude and nasty. I hung up, called them and that company stated I didn't owe a debt to them and didn't have an account with them in the past. I called the other company back who stated they could close my file once I told them this information. However today, XX/XX/XXXX, they have started calling me again, stating a letter will come to my home or place of employed to take me to court. Once again, they are refusing to provide a Debt Validation or Verification of Debt for me to verify once and for all if this debt is valid and mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks

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 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
After checking my consumer report I have noticed that a collection that was once deleted has been reinserted into my file. This conduct from I C System has violated my federally protected consumer rights 15 USC 1681 procedures in case of disputed accuracy the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. This company has no rights to my personal private information after having no agreement or wet ink signature. This debt is disputed, please remove from your files my information. This purchase also violated the FDCPA, FCRA etc.

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 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My business checking account wirh Truist Bank was placed on hold the day after I made a check deposit and once the bank sure they received funds for the amount of {$10000.00}. When asked for the reason u was informed by branch manager it was because check was suspicious for check Fraud and that is was not a valid check. When asked about my balance for my account today XXXX/24, they informed me it was negative {$200.00} however when i was informed by Triust bank yesterday XXXX/24 i was informed that my account has positive balance and that they are manipulating the front end system to show a balance that is not accurate. 

I also wanted to note this is a new business checking account and account has been opened for less than a month with several transactions such as deposits, withdrawals and transfers made with no issues with account until i made that deposit for $ XXXX. I also found out that my debit card was blocked the day.my account was opened and I was neither informed and had to find out myself when account was closed. I suspect the bank intended to Block my account since day it was opened ( debit card was blocked since account was created and opened, account was put on hold and proven due to check fraud has no evidence or basis. ) 2. Truist bank is manipulating and inaccurately reporting funds and available balance in their front end system.

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 2024-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Reference Case # XXXX ; Loan # XXXX XXXX XXXX avoided responding to our main complaint. Our previous complaint accused XXXX as the root cause for the XXXX late payments. We accepted XXXX 's offer to miss XXXX monthly mortgage payments ( appreciating our Hurricane Ian suffrage ). XXXX kept secret their intent to report our XXXX approved late payments to the Consumer Reporting Agencies ( CRAs ). We were not informed of this credit reporting risk as being part of their deferment request process. We followed their procedures and we were told to continually wait for their review process to conclude. 

XXXX stated in their response that we had not paid XXXX and XX/XX/2023 payments. That is not true. I'm providing proof that XXXX was not truthful ( see XXXX XXXX payment statements ). 

I spoke with XXXX XXXX and he understood that XXXX did not inform us that they would report us to the CRAs despite being active in their deferment process. I told XXXX that were we to have been informed, we would not have accepted their offer. XXXX agreed that this case deserved a second look by management. He apologized. I was made to believe that they would grant us our relief ( simply reverse the CRA report ).

Company response to consumer: Closed with non-monetary relief