vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I went in person to my bank, Fifth Third bank in XXXXXXXX XXXX XXXX XXXX to deposit a large check written by my lawyer, XXXX XXXX with XXXX XXXX XXXX, from winning an insurance settlement from being hit in a XXXX XXXX Fifth Third bank rep, XXXX, instructed me to go across XXXX XXXX to the issuing bank, XXXX XXXX XXXX XXXXXXXX, and was instructed by fifth third bank to get a cashier check to deposit instead. I was instructed to do this by my bank to eliminate the possibility of a long hold on the check, because i have a scheduled XXXX I have to pay for. I spoke with my bank on XX/XX/XXXX for an hour and was told i would have funds available on XX/XX/XXXX. On XX/XX/XXXX i did not have access to funds and I was locked out of my bank account. I spoke to the fraud protection dept with fifth third bank on XX/XX/XXXX and a XXXX XXXX, XXXX XXXX asked me to email documentation of the funds to XXXX XXXX the branch and informed me that her boss would be calling me in the hour. I never received a call back. On XX/XX/XXXX, I called my bank fifth third again and was connected to the fraud protection department again, and was asked to send the bank slip from the cashier check from XXXX XXXX XXXXXXXX, and was told i'd receive a call back. It is now midway through the day and I still haven't received a call back from my bank. they have no communication noted from my contact with the analysts on XX/XX/XXXX and all i am being told is that they can't verify the check. It is a verified, certified, triple checked XXXX XXXX the bank instructed me to get.. I have XXXX information from my bank why im locked out or why there is a hold. It has now been XXXX  days with no answer, and XXXX access to my account or funds. I have banked with my bank for decades ... and currently i'm not being serviced or have received any answers. It seems there is lack of communication between XXXX banks, and as the client/customer, I am having to go above and beyond to hold my bank accountable to focus on my account and do their job. I was asked by my bank today to check back on friday ( after XXXX business days ) I let my bank know i can not wait any longer and need answers now. I was supposed to pay my doctor last thurday to hold my XXXX date on XXXX, and after my bank said id have access to fund on the XX/XX/XXXX my doctor agreed to wait... now its almost the XXXX of XXXX and still no answers or a call back from fifth third. I believe information I have supplied and given is well outside of hippa regulations and outside of regulations set by any financial institutes. XXXX provided included an itemized copy from my XXXX XXXX XXXX XXXX and how total amount of settlement is distributed etc. I am in need financially of these funds warrant to me and have had the most difficult time with my bank when it comes to verifying funds. How can a bank operate in such a manner...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I receive XXXX of countless calls from CBHV ( Collection Bureau of Hudson Valley ). They have used XXXX different numbers over the past year to collect for my XXXX XXXX XXXX, in which I am directly dealing with XXXX and paying when worked out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed several inaccurate inquiries on my credit report. I tried reaching out and sending letters to credit bureaus and no action has been taken. 
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 XXXXXX/XX/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 2024-09-24 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: IN

Complaint narrative:
These reported late payments are inconsistent with my usual payment pattern.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want file a dispute on all XXXX credit bureaus and a debt collection about a card that I didnt use exactly my card was lost and somebody made a purchase XXXX on my credit card I been going through a lot so when I seen this and Im glad they closed the account but now its on my credit as a debt collection and I want it to be remove immediately because its slowing down my credit most of them inquiries is false and did even go through or happen I want to remove them too immediately the collection agency have gave false misleading practices violating annual XXXX and not only I didnt tell the debt XXXX to buy that debt to add to my credit report and they never sent a letter to my address or I never got it stating that I can dispute this debt in a certain amount of time 15 usc 1692c state that if the consumer notifies a debt collection the consumer must decease any communication thank you so much have a bless day. 
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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want file a dispute on all XXXX credit bureaus and a debt collection about a card that I didnt use exactly my card was lost and somebody made a purchase XXXX on my credit card I been going through a lot so when I seen this and Im glad they closed the account but now its on my credit as a debt collection and I want it to be remove immediately because its slowing down my credit most of them inquiries is false and did even go through or happen I want to remove them too immediately the collection agency have gave false misleading practices violating annual XXXX and not only I didnt tell the debt XXXX to buy that debt to add to my credit report and they never sent a letter to my address or I never got it stating that I can dispute this debt in a certain amount of time 15 usc 1692c state that if the consumer notifies a debt collection the consumer must decease any communication thank you so much have a bless day. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: SD

Complaint narrative:
I noticed a unauthorized charge on my Fortiva card for XXXX and I attempted to call the XXXX to dispute the charge and the computer hangs up on me. 
I called Fortiva customer service and they told me to call back tomorrow as they was unable to help me when I called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-24 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING CONTACT ME TO PAY A DEBT OF {$30000.00} WHICH THEY CLAIM THEY BOUGHT FROM A LENDER AND I REQUESTED THEM TO PROVE THAT I OWE THIS DEBT .STILL NO RESPONSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living

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 2024-09-24 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/1988 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: AR

Complaint narrative:
I have written to XXXX, via certified mailed. I informed XXXX that I received letters from XXXX XXXX XXXX XXXX XXXX  Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus. 

XXXX did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the Court request them to list my personal information. This is a violation of my privacy. 

There is no written nor verbal consent from me to report my private information to any bureau, XXXX, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: AR

Complaint narrative:
I have written to XXXX, via certified mailed. I informed XXXX that I received letters from XXXX XXXX XXXX XXXX Bankruptcy Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus. 

XXXX did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the XXXX request them to list my personal information. This is a violation of my privacy. 

There is no written nor verbal consent from me to report my private information to any bureau, XXXX, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, XXXX is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which XXXX has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that XXXX provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an XXXX  or automated response. If XXXX can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ). 

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, XXXX is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which XXXX has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that XXXX provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an XXXX  or automated response. If XXXX can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ).

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear XXXX : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. the ___ __________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
good afternoon credit acceptance violated the payment arrangements that i made with them because of a XXXX use car i signed for but have spent just as much repairing this piece of garbage and have continue to pay XXXX car payment each month so this last repair XXXX suspension problem and credit acceptance sent me the agreement in XXXX to pay XXXX XXXX payment XXXX XX/XX/XXXX so why they didn't have the business decency to tell XXXX the truth I don't appreciate my credit score going down for a lie please investigate this situate.

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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a XXXX Citi business card in XXXX. After receiving ridiculously low credit limit which made any larger purchase impossible to put on this card that I planned for the minimum spend. After learning this, I made a plan to complete the minimum spend while I was traveling abroad as I would have more small charges that could add up. Unfortunately this wasn't possible either due to Citi taking over 2 weeks to clear a payment on the account and constant fraud alerts which block transactions. For this reason on XX/XX/XXXX, I was told that my minimum spend deadline was extended, which is still not reflected on the account either. 

Today after a previous purchase cleared my balance was {$1400.00} out of {$1500.00} with an available credit of {$26.00}, therefore I submitted a payment. The payment amount was {$1500.00} in order to allow for a larger purchase to go through once it clears in order to complete the minimum spend. After submitting the payment, my available credit was decreased from {$26.00} to XXXX. I called Citi to see why this is the case, but wasn't given any answer. However I was told that the payment will take 2 weeks to clear again and recommended to cancel the payment and pay with debit card to make it instantly available, which I agreed to. Unfortunately, this also did not happen due to the following error when attempting to cancel the payment : " Because you've already used the credit your recent payment made available, canceling that payment would cause your balance to go over your credit limit. '' This is unfounded and untrue as no transaction was made since the payment was initiated, there are and were no pending transactions on the account, no credit was made available from the recent payment and reversing the payment would not cause the balance to go over the credit limit.

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