vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TN

Complaint narrative:
There are accounts on my credit report that appears to be incorrect or doesnt belong to me.

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 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi. I am having issues with the credit bureaus lack of investigation into my dispute. I contacted them because there are numerous incorrect accounts on my credit report and I need them corrected or removed from my reports. They have not investigated and I have not received any results from them. I initially reached out to them in XXXX and it is almost XXXX and I have not received anything from them and my credit reports remain unchanged. I was told by my lawyer friend that I should submit this complaint because their action, or lack there of is violation of credit reporting laws and if they continue I can sue them and receive compensation for their violations. I don't want to have to do that, but I feel it is necessary that I file this complaint for starters to attempt to hold them accountable. I have to move soon and their unfair reporting is keeping me from being able to move.

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 2024-10-28 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: TX

Complaint narrative:
Hi. I am having issues with the credit bureaus lack of investigation into my dispute. I contacted them because there are numerous incorrect accounts on my credit report and I need them corrected or removed from my reports. They have not investigated and I have not received any results from them. I initially reached out to them in XXXX and it is almost XXXX and I have not received anything from them and my credit reports remain unchanged. I was told by my lawyer friend that I should submit this complaint because their action, or lack there of is violation of credit reporting laws and if they continue I can sue them and receive compensation for their violations. I don't want to have to do that, but I feel it is necessary that I file this complaint for starters to attempt to hold them accountable. I have to move soon and their unfair reporting is keeping me from being able to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my latest credit report, I noticed several accounts that appear to have been added without authorization and seem inaccurate. I ask for these fraudulent accounts to be blocked and removed right away.

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 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I closed my account from Truist in XX/XX/year> in person at the branch near me because they were unable to offer a car loan and I did not want to do business with them. I withdrew all of the money and signed the forms with the branch manager. We destroyed my debit card at that time and I thought that the account was properly closed. In XXXXXXXX XXXX XXXX, I started to receive automated phone calls and then a letter stating that my account was still active. The letter read that my account was now overdrawn and being closed with a {$30.00} charge off fee by Truist. There is no possible way for the account to be overdrawn because I destroyed the debit card at the bank with the bank manager when I closed the account. I called the number listed on the action letter for resolution and was told that the XXXX Department does not communicate with the branches. I explained that I closed the account in person and had not made any purchases in 3 months and the representative, XXXX, was unwilling to review the account usage or find any further information to help resolve the issue. I asked for her contact number that is assigned to all debt collectors and she would not give it to me. I asked to speak with a supervisor and she stated that it takes 24-48 hours for one to call me back. I told her that I did not want a bank closure and charge off on my credit report. I also asked for the accounting of the remaining {$23.00} they were also trying to charge me with. XXXX refused to give the information. All the while I was on the phone with her, I kept telling her that I could hear the other call center workers discussing the personal information of other customers. As of now, Truist refuses to remove the charge off and is illegally trying to recapture monies from me and report undue negative ratings to my credit report for an account that was in excellent standing and closed in person.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up XXXX in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX  in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up XXXX in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had a Credit Card with this Company for many years and I have literally one been late on one payment and they have refused to increase my Credit Line. The present Credit Line is {$6300.00} and I am requesting an increase to {$10000.00}. Are there no rules that govern how a Credit Card company treats it's best customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I made a purchase from an online vendor over XXXX for XXXX $ at XXXX of XX/XX/year>. This vendor turned out to be scammer and took my money and did not give me any products or services for the money given to them. I raised the concern to Wells Fargo to which I was told a case would be opened for fraud. Here I am one week later and they sent a letter saying my request was denied and that the case is closed as a whole now. I do not know this person and I did not receive any goods or services from the person I sent the money to on XXXX and I have not been able to obtain a refund since then. My bank refuses to tell me any reason why.

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 2024-10-28 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 am writing to formally dispute the reporting of a charge-off on my credit report. According to the information provided by XXXX XXXX under account number XXXX this account was reported as a charge-off. However, I have not received a 1099-C form from the creditor indicating the cancellation of debt, which is required under IRS regulations when a debt is discharged.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incomplete or inaccurate. I am requesting that you investigate this matter in compliance with 15 U.S.C. 1681i of the FCRA, which mandates reinvestigation of disputes, and that you remove this charge-off from my credit report if the creditor can not substantiate this entry with proper documentation, including a 1099-C form as required by IRS guidelines. 

Additionally, per the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), if a debt is reported as a charge-off, it should be verifiable. Given that I have not received a 1099-C form, there is no verification of the debt being canceled or discharged. Reporting this account as a charge-off without supporting documentation violates these regulations.

Please investigate this account and remove the charge-off notation if the creditor can not validate its accuracy. I have attached a copy of my identification and recent utility bill to verify my identity.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this dispute.

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 2024-10-28 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Here 's a draft for the CFPB complaint : -- - To Whom It May Concern at the CFPB, I am submitting a complaint regarding LVNV Funding LLC, operating under Resurgent Capital Services, for their failure to validate a debt for which I am not liable. This account has been inaccurately reported on my credit report, despite my repeated attempts to resolve this matter directly with the debt collector.

Account Information : Collection Agency : LVNV Funding LLC, c/o Resurgent Capital Services Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) Balance Reported : {$350.00} Date Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX Address of Resurgent Capital Services : XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Summary of Issue : On XX/XX/XXXX, I mailed a formal debt validation letter to LVNV Funding LLC, requesting verification of the debt and evidence of my liability for it. I have never conducted business with LVNV Funding LLC or Resurgent Capital Services, nor with the original creditor listed in this collection account. Despite this, LVNV Funding LLC has failed to provide any documentation to validate this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the alleged debt, and the companys non-response violates federal consumer protection regulations. Furthermore, the failure to validate this debt and ongoing reporting of this collection negatively impacts my credit, which has caused unnecessary financial and emotional distress. 

Requested Resolution : I request that LVNV Funding LLC : 1. Provide documented verification of this debt, demonstrating

that it is legally mine, and that they have the authority to collect. 2. If they are unable to provide the necessary verification, remov
e the collection account immediately from my credit reports across all credit bureaus ( XXXX, XXXX, and XXXX ). 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to Equifax asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, I have the same name as my XXXX and he did identity theft with my social security number. I filed a police report and sent the right documentation to the credit bureaus and Captial One sent me bills. I need this off my credit report because my personal banker states that it is showing as a negative item on my credit report and this is preventing me from obtaining a job and credit within my credit union. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: NC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Titan Revenue Solutions
State: CA

Complaint narrative:
My step father and I recently purchased a vehicle from XXXX. During the process we agreed upon a deferred down payment of {$1000.00}. This amount was never paid and our account was sold to Titan Revenue Solutions. An agent by the name of XXXX XXXX proceeded to contact my father and I about collections on this. My father and I are currently experiencing a bit of a hardship financially due to some cut in working hours and some other family emergencies. So in an attempt to explain to XXXX XXXX about this he proceeds to go off on a tirate about how I need to stop acting like a child and hiding behind daddy, and act like a grown up and make the decision for myself and the phone call abruptly ends. I call back thinking there was a loss in signal and XXXX XXXX proceeds to tell me there was no signal loss he got " Tired of dealing with me '' so he hung up. He began to go into another rant criticizing my age and forcibly asking me if i agree to the amount. I proceed again to try and tell him that my father is in talks with the dealership, yet again he cuts me off and proceeds to tell me that I am XXXXXXXX XXXX XXXX and that he is just going to go ahead and report this on our credit as a refusal to pay.

Company response to consumer: Closed with explanation