vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, XXXXXXXX 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 2024-08-27 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:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from 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 2024-08-27 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from 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 2024-08-27 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: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland credit management refusing to remove debt I am writing to formally file a complaint against Midland Credit Management , Inc. regarding their debt collection practices. Midland Credit Management is attempting to collect a debt from me in the amount of over {$2000.00}, which I believe is inaccurate and not owed. 

Despite my repeated requests for validation and clarification of the debt, Midland Credit Management has failed to provide adequate documentation or proof of the debts validity. Additionally, their aggressive and harassing tactics have caused significant stress and XXXX, impacting my overall well-being. 

I have made efforts to resolve this matter directly with Midland Credit Management, but they have been uncooperative and unwilling to provide the necessary information to substantiate their claims. Their actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), and I believe they are engaging in unfair and deceptive practices. 

I am requesting that the Consumer Financial Protection Bureau investigate Midland Credit Managements actions and take appropriate measures to ensure that they comply with federal regulations. I would also appreciate it if you could assist in having this debt removed from my record, as I believe it is unjust and unsubstantiated. 

Midland Credit Management , Inc . 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Direct dates XX/XX/XXXX Sever dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-27 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: GA

Complaint narrative:
I am a victim of identity theft from my ex fiance who had passed away. I did not sign up for this car loan. I have submitted proof of an FTC report as well as a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company calls me at least 9 times during the day from different numbers. For example, on Monday XX/XX/XXXX, I received a call at XXXX XXXX from number XXXX, at XXXX XXXX from number XXXX, at XXXX from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  form number XXXX, at XXXX XXXX  from number XXXX, at XXXX XXXX  from number XXXX. 

This company has called me at work while I am in meetings, call the operator at work and had them transferred their calls to my desk number and so far, this company called me 15 days in XXXX on my work phone alone, including on Sunday XX/XX/XXXX. Only once, they left a message and the person accent made it very hard to understand what she was saying. I have a screening service but they hang up without leaving a message. I am frustrated!!!! This is harassment!!!!!! 

These are some of the XXXX numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. There are more but I don't have the time to list them all. One of the numbers did have the name Midland Credit Management on the caller ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: AZ

Complaint narrative:
I am filing this report due to the fraudulent accounts that are appearing on my most recent credit report. They have ignored my attempts to correct this erroneous information by no response or removal from credit report dated back to XX/XX/year> I have received 4 stall letters. I have attempted to settle this matter with Equifax with by mail, tracking # XXXX All attached ( XXXX ) FTC report # XXXX ( XXXX ) Inaccurate dispute of personal information letter ( 3 ) Dispute of fraudulent accounts letter ( 4 ) Utility bill with current address ( 5 ) Image of current ID ( 6 ) Last four digits of social pursuant to FCRA 605B ( 15 U.S.C. 16810-2 ) that you, the EQUIFAX 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. I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: MD

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Initially I called into wells Fargo to request a refund on a fee that I was told was not optional. I let the representative know that I had requested this feature to be turned off many years ago but was told that " transactions would still go through and the fee would still need to be payed '' I was then told by the representative that I didn't need to pay those fees, I could just request this feature to be turned off. I have had this account for over 10 years and have been charged overdraft fees since I opened this account. I have been lied to since day 1. I have lost time and missed out on family events, couldn't pay rent at times and struggled a lot. This is the worst betrayal of consumer trust, if I can't trust my financial institution, should I go back to under the mattress?

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 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 of crimes which anted
ates the report by more than seven 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
MOHELA Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$38000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX MOHELA/DEPT OF ED Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$37000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting a debt of {$130.00} on my credit report and I am unaware of ever incurring this debt. I want proof that I signed for this debt or be removed from 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is not accessible. I am unable to confirm if my credit freeze is in place with Transunion. Background : I received notice from my paid identity theft service that my SS # was found on the dark web. XXXX and XXXX were easily accessible and log-in and confirmation of the freeze was as expected. Transunion was impossible to access using NUMEROUS login attempts and two phone call attempts. Worse, the phone robot required me to voice private identification information including my FULL social security number which caused XXXX  about whether or not the phone messaging is legitimate. 

Since I can not access help from Transunion, I turn to you. Please advise. 
Sincerely, XXXX XXXX XXXX XXXX, NC

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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
XX/XX/year> I Called to have annual fee removed within billing cycle or period. Bank refused I closed my credit card account - company said they filled out a complaint form over the phone..no verification provided. 
Arvest Bank said I would still have to pay the cards annual fee even through cancelation. 
I requested to a supervisor was refused told ; We do not provide customers that. 
closed card over the phone only verbal no verification provided only : This account was closed asked several times over phone call. 
I was placed on hold twice told ; You used the card once in a year, yet was told before that on same call we can do nothing, So i was lied to at the onset of the call there are reasons to remove the fee- was told i have to pay the fee.

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 2024-08-27 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: TX

Complaint narrative:
I checked my credit report today and noticed I had a collection from XXXX XXXX XXXX ( original creditor XXXX XXXX ) that was opened on XX/XX/year> with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.

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 2024-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
in order to renew my home insurance, my insurance provider sent me a quotation to high for about XXXX I said " NO '', I contacted another insurance providers, They requested some inspections etc... ( I had to repair my roof etc ) and all this process took 2 months after my insurance expired. finally I got a premium for XXXX ( I don't have escrow account with rocket mortgage ). Due I di n't have insurance for two months rocket mortgage is charging a fee for XXXX Because they quoted a premium for around XXXX usd. and this is the problem. For me this is an abuse from Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Mr. Cooper because I am a 100 % XXXX Veteran and in the state of Texas, I am exempt from property taxes. Per Mr. Coopers instructions, I emailed the escrow department a copy of my tax exemption from XXXX XXXX, TX. I received an automated response that I would receive a response in 8-10 business days. To date, I have not received a response. I followed up and called Mr. Cooper in XXXX, XXXX, XXXX and today in XXXX. 

Mr. Cooper still has failed to apply my tax exemption to my escrow account and continues to collect a tax payment from me every single month when I exempt from this payment by law. They still have not processed my exemption and re-ran an escrow analysis on my account on XX/XX/XXXX- which included a payment for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-27 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I checked my credit report today and noticed I had a collection from Sunrise Credit Service ( original creditor XXXX XXXX ) that was opened on XX/XX/year> with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.

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 2024-08-27 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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