vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-08 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-04-08 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
I am a victim of identity theft. I reviewed my credit report from all three bureaus, and noticed that the report has credit inquiries that I did not authorize. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 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: GA

Complaint narrative:
On XX/XX/24 I submitted a complaint to Equifax via CFPB and ADVISED them, not requested, that I do not give them permission to share specific information on my consumer report. Equifax responded XXXX by sending me a letter saying they could not identify me when I uploaded my ID and electric bill to the original complaint. Then their response on the CFPB portal was that information was VERIFIED by these alleged creditors and STILL requesting I send in identifying information, which I will not because I already have. At this point their response was over 30 days, additionally I want a complete description of their procedures to verify INCLUDING ANY AND ALL correspondence received from these creditors. Equifax is now being intentionally malicious and noncompliant with the FCRA by not honoring my DEMAND that they stop sharing certain information as is my right under 15 U.S.C 6802, this request was also sent to these alleged creditors. Equifax has ABSOLUTELY NO RIGHT to ignore my request to opt out and has violated me both under the FCRA and The Privacy Act. 

The Privacy Act sets forth rules and safeguards for the handling and disclosure of personal information by federal agencies, and the unauthorized collection and dissemination of inaccurate data may be considered a violation of privacy rights- I AM ASSERTING THAT EQUIFAX IS BLATANTLY NOW VIOLATING MY PRIVACY BY IGNORING MY DEMAND AND CONTINUING TO REPORT SUCH INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/24 I opened a new online checking account with Citi Bank. I transferred {$1500.00} to the account on XX/XX/24. A few days later my account was flagged for fraud and I have now been denied access to my funds. 

Since this issue happened I have realized that the Citi bank XXXX XXXX has been sending me letters to the wrong address. They refuse to help me change my address in order to receive my letter with a code in order to unlock my account. 

It is now XX/XX/24 and there is no assistance for me whatsoever. This is a serious emergency as I live check to check.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The company is negativity affecting my credit report by stating that I owe this debt and have failed to verify that the debt is owed. This negativity on my report is hindering me from purchasing a home and other things for my family. 

In addition, they sold my account after a charged-off and I settled. But, the account was a charged off showing up on my credit report. 

Since they charged off, why was it showing up on my credit report, since a charge-off is income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-08 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: VA

Complaint narrative:
Ive been disputing this account since XX/XX/XXXX and seem to not get the removal and deletion of this account due to it reporting erroneous and inaccurate information. The company has violated several FCRA and consumer laws on the credit reporting agencies ( XXXX, experian and XXXX ). I sent a letter to Furnisher XXXX XXXX and received a letter XX/XX/XXXX for the removal of all reporting information removed and deleted from this account. Experian received this letter via uploaded through the dispute center on XX/XX/XXXX. I also sent this letter from the furnisher and other documents via certified mail to support my case. Experian only updated the information instead of deleting while XXXX and XXXX deleted the account. I asked to speak to special handling and supervisors and no avail to get a response to why the account was not removed. Once I spoke to an agent they stated that the account should have been removed due to my supporting information. But as of XX/XX/XXXX the account is still reporting and has not been removed from Experian. Please see the following attached documents supporting my claim.

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a dispute for several debit card transactions with Wells Fargo from the same merchant under : Claim XXXX Reference # XXXX The reason for the dispute was paid by other means, as the merchant also charged my Wells Fargo card even though I successfully paid with a debit card from another bank. I was informed by the representative on the phone that my account would be credited within 2-10 business days by the investigations team. 

Im putting in this report to document that I have sent all correspondence between myself and the merchant regarding this issue, along with screenshots of the matching transaction amounts/dates from my other bank account, to the claims department via email, and to ensure these amounts are adjusted in the form of a credit to my account within the required time frame of 10 business days.

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 2024-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VT

Complaint narrative:
I am engaged within the PSLF program. My loans are currently being managed by MOHELA. MOHELA has incorrectly categorized one payment period ( XX/XX/XXXX ) as " ineligible, '' despite categorizing XX/XX/XXXX an XX/XX/XXXX as eligible. All three periods are covered under the same forgiveness period and are eligible for PSLF qualification. On two occasions junior level MOHELA customer service representatives have admitted that the XX/XX/XXXX period should be categorized as " eligible. '' Upon my fourth attempt to resolve this issue, I was transferred to " advanced '' customer service. However, after waiting on hold for more than one hour, MOHELA 's system hung up on me. My situation remains unresolved. I am set to make my 120th PSLF payment in XXXX this year. I consider MOHELA 's intransigence to be fraudulent and criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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 am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NV

Complaint narrative:
About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with XXXX XXXX  XXXX that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and XXXX XXXX XXXXXXXX directly but they have not responded to my request to remove the item.

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 2024-04-08 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: NV

Complaint narrative:
About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with XXXX XXXX XXXXXXXX that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and XXXX XXXX XXXXXXXX directly but they have not responded to my request to remove the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NV

Complaint narrative:
About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with XXXX XXXX  XXXX that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and XXXX XXXX XXXXXXXX directly but they have not responded to my request to remove the item.

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 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I requested to PMI cancel because the LTV reached the 80 % or less and I attached the appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The company is negativity affecting my credit report by stating that I owe this debt and have failed to verify that the debt is owed. This negativity on my report is hindering me from purchasing a home and other things for my family. 

This is a charged-off account showing up on my credit report. Charge-offs are income and income should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX Customer Service, XXXX XXXX XXXX TD Bank , N.A . had responded that she has processed the necessary adjustments and corrected the error and please note, these transactions will be reflected on your XX/XX/2024 billing statement. I am filing a new complaint because the complaint case XXXX was CLOSED.. I only have XXXX promotional purchases, XXXX {$67.00}, and the other one is for {$21.00} monthly due payment. I made a payment on XX/XX/XXXX for the XXXX of {$88.00} should have been {$88.00} now my statement showing {$8.00} payment is due On XX/XX/2024, I purchased the Galaxy Tab XXXX for the amount of {$190.00} and on Friday, the XXXX 2024 I purchased the Galaxy Tab XXXX FE+ for the amount of {$450.00}. I returned the merchandise, and my account was credited but when I received my building statement that was still showing as a purchase and wants me to make payments on return merchandise. I contacted TD Bank customer service agent and stated the credit was submitted to the wrong account, to contact XXXX XXXX. I contacted XXXX finance they stated that the credit was submitted according to the purchase to call back and do a dispute. I Call TD bank back and the customer service agent did not let me do a dispute. Just getting the runaround.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported 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 explanation