vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law. 
Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Equifax Hard Inquiries FTC Complaint Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( XXXX ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of two years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency may furnish a consumer report only by the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft. 
I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I contacted my card issuer and informed them that I would be needing access to to the credit line granted to lawful consumers as detailed in paragraph ( a ) ( 5 ) ( iii ) ( D ) of 1026.61 also referred to as The Bank Holding Company Act of 1956. My request was all together ignored and dismissed without any verbal acknowledgment of my request, or the consumer case law which supports the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've contacted all XXXX credit bureaus to have my personal information corrected and reported that the address and phone numbers were incorrect. I have been told that they would notify me when it was corrected, but it still reflecting incorrect on 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 non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've contacted all XXXX credit bureaus to have my personal information corrected and reported that the address and phone numbers were incorrect. I have been told that they would notify me when it was corrected, but it still reflecting incorrect on 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 2024-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
We asked for a forbearance because we were flooded. They extended us the forbearance until XXXX. When we called back at that time they said we would have to complete an application whether we resumed payment or got an extend. They sent an application in XXXX. The information was wrong on the application so we asked them to correct it so we would not look like we were falsifying the document. We never heard anything back concerning the application. When we did hear from them it was to say we didn't pay in XXXX and now everything from the beginning of the forbearance in XX/XX/year> was bow due. We let them know we were still put of the home and they asked us to send documentation. We were waiting on the company that was doing reconstruction on the home to send the break down of what we paid. Next thing we get letter telling us they denied it. When we called they said we could still communicate and it wasn't closed they just had to put something down because the inquiry couldn't stay open. We then asked someone at the company should we make payment in good faith. They said no wait until everything is over. We called again and found out we were in foreclosure and couldn't work anything out. When we spoke to someone else at the company would was in another department they told us they never extend for the current situation it would have to be something else. We just feel like if it would have been made clear from the beginning that nothing was going to change and just to make the payment we would have done that but nobody did. It appears that our home is an opportunity for the bank to take our home, sell it for more because it's newly renovated. It just is unethical and deceptive the way this whole situation handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. This section prohibits debt collectors from communicating with consumers in certain circumstances, including when the consumer has requested that communication cease or when the consumer is represented by an attorney. Despite my clear request for no further communication, I continue to receive repeated and intrusive contact from [ XXXX XXXX XXXX XXXX XXXX. This not only violates my rights under the FDCPA but has also caused me significant distress. I kindly ask that your office look into this matter and take appropriate action to ensure compliance with the law. I appreciate your attention to this important issue and look forward to your response. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain against XXXX  XXXX regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all XXXX  XXXX  credit bureaus ( XXXX, TransUnion, and XXXX ). 

Background of the Issue I have been a loyal XXXX XXXX customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my Debt Management program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX XXXX XXXX XXXX XXXX 

In light of these extenuating circumstances, I reached out to XXXX XXXX on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a Debt Management program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

XXXX XXXX acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on XXXX, TransUnion, and XXXX 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on XXXX, TransUnion, and XXXX Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from XXXX  XXXX, I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my credit score and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.

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 2024-08-31 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain against XXXX  XXXX regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all XXXX XXXX  credit bureaus ( Equifax, XXXX, and XXXX ). 

Background of the Issue I have been a loyal XXXX XXXX customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my Debt Management program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX XXXX XXXX XXXX XXXX 

In light of these extenuating circumstances, I reached out to XXXX XXXX on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a Debt Management program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

XXXX XXXX acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on Equifax, XXXX, and XXXX 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on Equifax, XXXX, and XXXX Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from XXXX  XXXX, I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my credit score and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally complain against XXXX XXXX regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all three major credit bureaus ( XXXX, XXXX, and Experian ). 

Background of the Issue I have been a loyal XXXX XXXX customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my XXXX XXXX program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX diagnosis that required hospitalization. 

In light of these extenuating circumstances, I reached out to XXXX XXXX on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a XXXX XXXX program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

XXXX XXXX acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on XXXX, XXXX, and Experian 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on XXXX, XXXX, and Experian Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from XXXX XXXX I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my XXXX XXXX and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.

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 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
THIS MORNING AS I CHECKED MY CREDIT REPORT I NOTICED THIS ACCOUNT IM REPORTING TO BE DELETED AND BLOCKED IS STILL REFLECTING ON MY ACCOUNT AND AFFECTING MY CREDIBILITY FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX under the account number XXXX and XXXX under the account number XXXX and XXXXXXXX  under the account number XXXX and XXXX under the account number XXXX apple card under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I didnt open this account this account was open in my name fraudulent without my permission so please closed this account out and waive the balance to {$0.00} etc. 

Account number XXXX Reference XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a XXXX and finished a job where I received a check for {$9000.00}. I go to Bank of America to deposit my check at the atm after the clerk told me in the past to do it at the atm they were not able to help me deposit a check ( I always question this ). 

I deposited the check in XX/XX/year>, and see a hold was placed until XXXX XXXX. I think nothing of it and assume it just standard procedure. The days go by and I receive a letter in the mail from Bank of America that my business bank account is being closed. I was shocked. I call the number on the letter and a representative from the closure department informs me that the check I deposited was supposedly counterfeit adding more to my surprise. I immediately contacted the maker of the check ( XXXX XXXX ) and we both agree to meet at a Bank of America location the next day. 

The next day comes and we tell the staff that the check is not a counterfeit and the it is indeed a valid check. XXXX ( the maker of the check ) tries to show them on his XXXX XXXX XXXX that the check was cleared and funds taken out of his account. Bank of America did nothing to resolve the issue or did an adequate job looking into the matter. That same day XXXX and I went to XXXX XXXX to confirm the validity of the check. The agent at the XXXX XXXXXXXX XXXX XXXXaid that the check was valid and that is had even been cleared and paid to Bank of America. The XXXX XXXX agent even told us that Bank of America had the funds already and that they had never contacted them with any issues. The agent then printed a copy of the check photo and handed it to us. I later called Bank of America and told them what happened to which they still decided to close my business account unfairly and refused to tell me what made the check invalid. In the end all they told me was that the back office to Bank of America had the {$9000.00} and that they will a decision to what to do with the funds, but that the time to reach a decision would be indefinite. Waiting indefinitely for my money for a reason that is completely unfair to me is ridiculous and doesnt make any sense. XXXX XXXX paid Bank of America the funds and cleared the check, bank of American admitted they got the funds from XXXX XXXX and XXXX XXXX confirmed the check is valid ; yet Bank of America still made the decision to close my bank account and hold the funds indefinitely. Now Im financially struggling.

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