vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-12 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: IL

Complaint narrative:
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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, Im writing, in regard to the above referenced accounts and transactions. This vehicle was charged-off by XXXX XXXX XXXX XXXX XXXX XXXX state of XXXX XXXX  XX/XX/XXXX and resold on XX/XX/XXXX. 
Under the laws of the state of XXXX XXXX  code, you will need to look this up and state XXXX  and XXXX XXXX, a deficiency can not be claimed unless all the required were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof in provided within XXXX days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the XXXX and FCRA. 
In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available XXXX and XXXX statutes and XXXX Article XXXX remedies. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
XX/XX/XXXXXXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ARE XXXX DAYS LATE EACH XXXX XXXX XXXX AND XXXX HAS GIVEN ME ( XXXX XXXX ) XXXX XXXX XXXX ( CALLED ) AUD FOR CORRECTING A LOAN ( XX/XX/XXXX ) I WANT IT DELETED ASAP!!!!! 
INACCURATE INFORMATION!!!!!!!

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 2024-11-12 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:
XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ARE XXXX DAYS LATE EACH XXXX XXXX XXXX AND XXXX HAS GIVEN ME ( XXXX XXXX ) XXXX XXXX XXXX ( CALLED ) AUD FOR CORRECTING A LOAN ( XX/XX/XXXX ) I WANT IT DELETED ASAP!!!!! 
INACCURATE INFORMATION!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/year> someone hacked into my XXXX XXXX account and made a payment of {$800.00}. The next day, someone made a purchase of {$150.00}. I noticed the fraud and contacted XXXX. XXXX had already cancelled the order because of suspected fraud. I was advised to contact my bank so they can return the fraudulent {$800.00} payment. I have never paid XXXX  {$800.00} because I don't have that kind of money to pay them that much. I went to the bank in person on XX/XX/year> and XX/XX/year> to show proof of fraud. The XXXX XXXX in the XXXXXXXX XXXX  location on XX/XX/year> said to wait until they need proof. I explained the situation to her. The second in person visit was in the XXXXXXXX XXXX location on XX/XX/year>. I signed an affidavit and explained the fraud incident to him. I had a letter from XXXX and emails showing the fraudulent order and cancellation. He said to call him on Tuesday since Monday, XX/XX/year>, was a holiday. He said most times they return the payment in XXXX days, but since its a holiday on Monday, they will complete it on Tuesday, XX/XX/year>. I called customer service a few minutes ago and was advised that the XXXXXXXX XXXX  banker gave me wrong information. She said I must wait XXXX business days for them to investigate. What do you need to investigate??????? I have proof of fraud and that I did not make this payment. Why must fraud victims wait so long to restore their accounts? My account has been negative all week due to this. I must wait another week for them to investigate. What in the world is going on here???? I cant even buy a XXXX XXXX XXXX. I have been so XXXX XXXX XXXX, and extremely upset over this. I won't even talk to my family right now. If my account is negative, let it be by my own doing, not by someone elses fraud. Overdraft fees keep hitting my account because of this. Soon, I wont be able to get out of the negative. I don't know who this person is and no one from XXXX I will be closing my daughters account tomorrow and will be closing mine as soon as this payment is returned. I have attached emails from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: VA

Complaint narrative:
I am filing this complaint regarding an unauthorized debt collection action initiated by I.Q. Data International Inc. and the failure to return my security deposit by XXXX XXXX XXXX XXXX, the property management company. 

Move-Out and Lease Fulfillment : I was a tenant at Heritage at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA. I vacated the property on XX/XX/year>, in full compliance with the lease terms, and returned the apartment keys to the management on the same date. This marked the end of my lease obligations, and no charges should have applied beyond this date. 

Debt Collection Notice : Despite fulfilling my lease requirements, I received a debt collection notice from I.Q. Data International IncXXXX requesting payment for XXXX rent. This debt is erroneous, as I had vacated the apartment on XX/XX/XXXX. This charge has been confirmed as incorrect by XXXX XXXX XXXX, the property XXXX at XXXX at XXXX XXXX. 

Property Managers Acknowledgment of Error : The property manager, XXXX XXXX, verbally acknowledged that the debt collection was a mistake and that I do not owe any rent for XXXX. However, despite my requests, he has not provided written confirmation to rescind this debt, nor has he stopped the collection action. 

Failure to Return Security Deposit : Furthermore, XXXX at XXXX XXXX has not returned my security deposit, which is overdue. I have requested an itemized statement or explanation for any deductions from the deposit, but I have received no response. 

Lack of Transparency and Notification : At no point prior to the collection notice did XXXX at XXXX XXXX inform me of any outstanding balance or provide documentation justifying this charge. The collection action was initiated without any prior notification, causing unnecessary stress and potential harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I missed 3 Payments due to a situation during the COVID 19 Crisis. I have sent a goodwill letter to the CEO of and to Capitol One to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the CARES act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
So I received a bill from XXXX XXXX, Ive never had an account with XXXX someone got ahold of my first and last name along with my address and bank information and has accumulated chargers over {$2000.00}. I just found this out today XX/XX/2024. I do not plan on paying for this I want action taken and I want to find out who got ahold of my information, I cant even find a phone number listed on the letter just my personal information. Please reach out ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Its been 8 days my account is blocked and when Im going to the bank the manager told me call customer service and when I call customer service customer service told me talk to the manager I cant go to work I cant go to school Im stressed Im not ok I have XXXX Im not ok Im sick Im crying everyday because I cant do anything I cant bought anything I cant pay my bill TD BANK BLOCKED MY ACCOUNT FOR NO REASON AND I NEED TO TAKE OFF MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is not the original lender, I completed purchase through XXXX, they usually offer biweekly payments with no interest. The original lender is XXXXXXXX XXXX based on documents I found. Loan was processed XX/XX/XXXX, meaning first due date around XX/XX/XXXX. I made final payments XX/XX/XXXX and XX/XX/XXXX with a XXXX  debit card since my bank returned payment due to my direct deposit date and XXXX did not attempt to rerun like other creditors. However, even if I paid my final payments XX/XX/XXXX and XX/XX/XXXX. That is still technically less than 30 days late. XXXX is reporting me 30-60 days late on Experian and will not update info.

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 2024-11-12 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: FL

Complaint narrative:
My account with (, DPT EDXXXX ) was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 30 - 60 DAYS 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. 

( DPT EDXXXX ) 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XX/XX/XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

Lvnv Funding XXXX XXXXXX/XX/XXXX I have no knowledge of those accounts listed The address listed of occurrence is where the theft happened I never lived in XXXX XXXX I live in XX/XX/XXXX. I had to come all the way out here to wait at the location until an officer came to do the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: NM

Complaint narrative:
On XX/XX/XXXX, I received a phone call from my bank informing me that my account had been frozen indefinitely due to a fraud investigation. Since then, I have repeatedly asked when I will regain access to my account, as I urgently need funds, but I have received no answers. I visited the bank, called them about ten times, and even tried to reach their supervisor, but I still have not received any resolution. To this day, I have not received any official letter informing me of the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-12 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm is not the original lender, I completed purchase through XXXX, they usually offer biweekly payments with no interest. The original lender is XXXX XXXX based on documents I found. Loan was processed XX/XX/XXXX, meaning first due date around XX/XX/XXXX. I made final payments XX/XX/XXXX and XX/XX/XXXX with a XXXX debit card since my bank returned payment due to my direct deposit date and affirm did not attempt to rerun like other creditors. However, even if I paid my final payments XX/XX/XXXX and XX/XX/XXXX. That is still technically less than 30 days late. Affirm is reporting me 30-60 days late on XXXX and will not update info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our home flooded the beginning of May and we have been having issues with the mortgage insurance getting money from them to finish the home repairs. We were told that the repairs needed to be 90 % completed to receive final funds. We requested the inspection and the inspector confirmed that more than 90 % of repairs were made. We called to get the remaining funds and were told that repairs had to be XXXX % complete to release funds. Since then we have completed 100 % of repairs OUT OF POCKET. We requested another inspection and have been waiting for more than 2 weeks and have not been contacted. I called the insurance department and the inspection request was never made. We are out of pocket several thousand dollars at this point and have had to file bankruptcy so that they wouldnt foreclose on the house. I want the check to be made out to myself and husband 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 explanation
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-12 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: AZ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
From XXXX I have been charged for overdraft fees after Navy Federal Credit Union ( NFCU ) has waited to post all of my pending transactions all at once, days after the purchase had been made, causing my account to overdraft. This incurs a fee that I would not have to pay if NFCU posted my transactions sooner or actually showed what is in my bank account for me to use. My account rarely accurately reflects what I am able to use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: WI

Complaint narrative:
On or around XX/XX/year> I reviewed my credit report and found a fraudulent account reporting from Discover Bank. I immediately tried to dispute this account and I informed this institution that this account is fraud and I didnt authorize anyone to open this account in my name.They ignored me and continued to report this fraudulent account. I am a victim of human trafficking and this was a result of me being kidnapped

Company response to consumer: Closed with explanation