vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXXXXXX FOR {$220.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXX FOR {$140.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1000.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$590.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$760.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  FOR {$1100.00} OPENED 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 2024-04-10 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXXXXXX FOR {$220.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXX  FOR {$140.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1000.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$590.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$760.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  FOR {$1100.00} OPENED XXXX XXXX, XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: IL

Complaint narrative:
My student loans are serviced by Mohela, which recently transitioned their payment portal from Mohela.com to Mohela.studentaid.gov. My loans were transitioned over a few week period in mid XXXX, 2024. 

I made a {$2000.00} payment before my loan was transitioned on XX/XX/XXXX, which was cashed by Mohela, but was not applied to my loan balance. I have contacted them multiple times by phone and by email but they are unable to resolve this discrepancy. I filed a complaint with the XXXX XXXX XXXX, and Mohela responded that they would only work directly with me. 

It has now been over a month and they still have not applied the payment and are charging me interest on an incorrect balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Ac t ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America takes over 1 hour to answer a customer service call. Bank of America put a 7 day hold on a deposited check. They refuse to address the issue by saying they have no power to address the issue and long unjust hold. Bank of America also lied on release hold date from receipt issue at branch compare to online 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: IN

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 2024-04-10 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: GA

Complaint narrative:
Title 15 of the United States Code ( 15 USC ) Section 1681 pertains to the Fair Credit Reporting Act ( FCRA ), which addresses the accuracy of information reported by consumer reporting agencies ( CRAs ). This law regulates how CRAs collect, maintain, and report consumer credit information, aiming to ensure fairness, accuracy, and privacy in the credit reporting system. It outlines consumers ' rights to dispute inaccurate information on their credit reports and mandates that CRAs must investigate and correct or delete any disputed information found to be inaccurate or incomplete. 
My name is XXXX XXXX XXXX and XXXX has my name XXXX XXXX which is wrong and needs to be update to XXXX XXXX XXXX like the TransUnion and XXXX has.my date of birth is XX/XX/1981 XXXX has it XX/XX/1981 its wrong. 
TransUnion has my employer direct deposit and XXXX has XXXX and that is wrong need to be updated. 
XXXX  # XXXX original balance is wrong has {$10000.00} for XXXX and {$5300.00} for XXXX the limit is wrong and needs to be taken off my report. The last payment is wrong. 
XXXX  # XXXX open dates are wrong on tranunion and XXXX and needs to be removed. 
XXXX XXXX # XXXX original balance is wrong on TransUnion {$800.00} and XXXX is {$750.00} last payment is wrong on all 3 agency and needs to be removed off my report. 
XXXX XXXX # XXXX open dates are wrong on TransUnion and XXXX shown XXXX different dates and need to be removed of my report.also the past due is showing XXXX different amounts. 
XXXX XXXX XXXX  # XXXX open dates are showing XXXX different dates TransUnion and XXXX and report dates are both off and needs to be removed off my report. 
XXXX # XXXX loan terms are showing XXXX different years on TransUnion and XXXX. Reporting dates are both wrong on TransUnion and XXXX and needs to be removed off my report. 
XXXX XXXX XXXX  need to be removed courts does not send any data to credit agencies and need to be remove due to privacy

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Go toMake paymentfor BankAmericard Visa Platinum Plus - XXXXGo toTransfer funds DateDescription $ Amount XX/XX/2024 XXXX  XXXX CA {$9.00} IT IS FRAUD. 

ACCOUNT FROM XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THE APPS COMPANY DEBITED WITHOUT MY AUTORIZATION THE AMOUNT OF {$9.00} IF I DO NOT STOPPED IT I WILL EXPERIMENT EVERY MONTHS THE AMOUNT MENTIONATE IN THIS COMPLAINT. HELP ME TO BACK {$9.00} PLEASE. TO MY ACCOUNT VISA BANK OF AMERICA

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm profoundly worried about the presence of this late installment for me, particularly taking into account my steady history of making ideal installments. Its presence is causing me huge pain, and I entreat you to redress this blunder speedily by eliminating it from my record.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-10 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:
I have disputed this account with XXXX XXXX for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-10 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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CONVERTED MY CHECKING ACCOUNT BALANCE 65K INTO CD AT APROX 4.5 % INTEREST ON XX/XX/2023 AND CHANGED MY MAILING ADDRESS TO MY HOME ADDRESS WITH MANAGER OF CHASE BANK XXXX XXXX NJ XXXX ( ( XXXX XXXX ) WHICH WAS NOT DONE. 
THIS XXXX FORGOT NOT ONLY TO IGNORED TO CHANGE MY MAILING ADDRESS BUT ALSO FORGOT TO HAVE AN IMPORTANT FORM SIGNED, AS A RESULT MY ACCOUNT WAS CLOSED AND XXXX CHECK MAILED TO WRONG MAILING ADDRSS IN NY INSTEAD OF MY HOME ADDRESS. 
I HAVE BEEN TRYING TO HAVE A REPLACEMENT CHECK SENT TO ME SINCE XX/XX/XXXX AND HAVE NOT RECEIVED IT YET. 
AND I HAVE LOST THE INTEREST AS WELL. I HAVE MADE SEVERAL CALLS TO CHASE BRANCH WHO HAS REFUSED TO HELP AND ADVISED ME TO CALL CHASE HQ, WHO PROMISED TO ADDRESS THE ISSUE AND RE-ISSUE MY CHECK TO NO AVAIL YET. IT HAS BEEN AN ABSOLUTE NIGHTMARE TO DEAL WITH CHASE BANK.PLEASE HELP ME...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : TransUnion, XXXX, and XXXX. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history. 
These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate. 
Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports. 
I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : XXXX, Equifax, and XXXX. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history. 
These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate. 
Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports. 
I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The County Tax Appraiser did a review on value of my home due to hurricane Ian damage and The County Tax Collectors office issued a refund. Per the Collectors office a refund check was issued to my mortgage broker, Mr. Cooper and check was cashed & cleared on XX/XX/24. I have called my mortgage company Mr.Cooper at-least 2X week and each time is a new excuse. It has been 2 months since they received, cashed and deposited that check into THEIR account but I have not received a refund nor have they posted it back into my escrow. They have been holding my money for 2 months without resolution. Last call to mortgage company Mr. Cooper - I was told check was mailed XX/XX/24. It is XX/XX/XXXX and I have not received that check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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