vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-15 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: TX

Complaint narrative:
You are reporting inaccurate information for account XXXX. The Original Creditor stated a different balance than the balance of {$650.00} that is reporting on my credit report. XXXX XXXX Bank is the original creditor of this account and I have attached the statement with the balance that was sent to me. You are also reporting that XXXX is the collection agency which is not accurate. I do not have a debt with this collection agency and the balance reported does not match what was sent to me. You are also reporting inconsistent information such as the date last active and the date last reported. All are FCRA violations. Please see the attached proof and remove this account from my credit report for false reporting.

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 2024-04-15 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: TX

Complaint narrative:
You are reporting inaccurate information for account XXXX. The Original Creditor stated a different balance than the balance of {$650.00} that is reporting on my credit report. XXXX XXXX XXXX  is the original creditor of this account and I have attached the statement with the balance that was sent to me. You are also reporting that XXXX is the collection agency which is not accurate. I do not have a debt with this collection agency and the balance reported does not match what was sent to me. You are also reporting inconsistent information such as the date last active and the date last reported. All are FCRA violations. Please see the attached proof and remove this account from my credit report for false reporting.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
For the past XXXX XXXX  I have been challenging this bankruptcy due to inaccurate verification. I was told by the courts after paying in full it wont show as a judgement because they dont report bankruptcies. Shortly after it appeared on my report. On and off for the past few yrs I have been challenging this by asking to remove because if inaccurate verification. I also sent a letter from the bankruptcy court that they dont report and a letter from XXXX XXXX that they had no information on me in their database. The last dispute was last month and Transunion responded that the information was verified accurately which isnt true. Im asking for help to get this matter resolved and it be removed from all agencies. This is stopping me from purchasing property, getting lines of credit and other things I need in life to better my self.

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 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I made a mortgage payment on XX/XX/year>, which they returned, causing my mortgage to get behind. I made the payment before I left the country on an educational sabbatical. Which would have me out of the country for a month. Upon returning I found out they returned my payment, which has happened several times in the past. At the time of payment my bank account had well over XXXX in it. So there was NO way my payment should have been returned!! I have filed 2 prior complaints against this mortgage company. They have a history of returning payments and making it impossible to submit payments. I want to refinance just to get away from this mortgage company. All this causes late payments on your credit, ending in the lowering of credit scores, which then makes you ineligible to refinance. They then offer loan modifications which cause the mortgage to be extended. Trapping you forever. This mortgage company already has a class action lawsuit against them in Florida. I am attempting to start one here in Georgia. I really need your help as I'm sure hundreds of others do as well. Thank you for your time and consideration.

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 2024-04-15 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: Action Professionals, Inc.
State: TX

Complaint narrative:
these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TN

Complaint narrative:
Looked at my credit report via Transunion, XXXX, & XXXX and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of identity theft.

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 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I noticed a fraudulent collection on my credit report on XX/XX/25. I called deft collector Genesis Debt Recovery. They informed me that at a XXXX XXXX in XXXX FL a person used my drivers license information to apply for an apartment online and the XXXX dollars charged were application and admin fees. The application was denied due to identity concerns. I informed them my identity was stolen and I have never been to XXXX  and I live and work in XXXX. This is not the first time my identity has been stolen. I filed a police report and begun the fraud dispute with the debt collector as well as the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
XXXX a natural person and consumer please dont close and then just attaching documents they feel they are bot complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 antedates 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: GA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 antedates 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 explanation
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I am requesting that the account XXXX is removed from my credit report. I notified XXXX, XXXX, and Transunion that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. XXXX is still reporting this as a charge off which is a FCRA violation. XXXX has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this account 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that the account XXXX is removed from my credit report. I notified XXXX, Equifax, and XXXX that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. Equifax is still reporting this as a charge off which is a FCRA violation. Equifax has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
Previously, there was a collection reported on my credit report from Experian and they did not correct the information. I filed a complaint with your offices and the debt could not be validated and was proven to not be mine. Now the debt has reappeared under another business called XXXX XXXX XXXX. It is the same debt that was previously disproved from XXXX in the amount of {$820.00}. It was previously under XXXX XXXX. 

Experian continues to report adverse information without verifying anything. I continue to have to fight to have accurate information reported. I will file another complaint against the Debt Collector. 

This continues to have a negative affect on my financial well being and I was denied a loan today based on false information contained in their report. I am requesting that this inaccurate and unauthorized information be removed from my credit report. I have not had an account with XXXX in over 10 years. This debt is not mine. 

Thank you, 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 2024-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Banco Pupular of Puerto Rico increased my monthly payment and they never sent me a notification about it. I called the bank and they said that they can not help me and only by appointment, which has not happened. I believe the bank should tell consumers before any increase of their monthly payments, especially their own insurance. This case, I found out when I was making a payment online that the monthly payment was more. This took place a few months back and I have not receive any notification from the bank. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote a check for {$4000.00} to a company to build me a online XXXX store which they failed to do after 8 months I asked for a refund which day gladly did my check was cashed to XXXX XXXX XXXX XXXX did everything needed and transferred funds to Bank of America and Bank of America still states that they're waiting for a response that no funds have been transferred this and that when there's been plenty of responses hold harmless is signed XXXX XXXX money transfer numbers all the works I even had a lady named XXXX XXXX from the escalated services of XXXX XXXX open up a claim for me when I'm not even banking with XXXX and she swears up and down that they have done everything in their power everything that Bank of America needs to pay me and make them America will not pay me my money they have the return check and after like 120 days or something they close my claim stating that they're waiting for response that there was no response when and this started XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was hold on this is signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America and then on XXXX something like XXXX there was instant money transfers and everything else needed to handle the refund and the return or whatever and Bank of America was framing that there was no response when there was definitely response is happening back and forth I have all the paperwork and proof of this Bank of America stamps on my check and everything else they have my check and there's still refusing to pay me my money of {$4000.00} and since then I've suffered many damages and missed investments paid many late fees basically the {$4000.00} has already been spent on these damages that have occurred in the missed opportunities I feel like they owe me much more than the {$4000.00} because since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything I own due to this please help. Also anybody reading this I advise to not use Bank of America for anything do not use 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 monetary relief
Consumer complaint received 2024-04-15 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received a phone call from Capitol One ( XXXX ) stating that someone tried to open a credit card in my name. I told them I never authorized this. They transferred me to the CFPB & I spoke to someone giving me a spiel about how I was being overcharged interest. I never gave them any info. I told them I had to set the phone down & when I came back they had hung up. I spoke to XXXX people in total & they were all very hard to understand, either XXXX XXXX. I then called the real CFPB & the very nice agent told me it was a scam. She gave me the XXXX XXXX XXXX numbers & I put an initial fraud alert on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been trying to remove the fraudulent inquiries from Transunion with file XXXX XXXXXXXX and yet they have been circling me back to invalidating my FTC document even if i know myself that i made the report right. I want the following fraudulent inquiries be removed from my credit report. 

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 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 2024-04-15 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: TX

Complaint narrative:
See Attached. 


I would like this account deleted from my credit report as this account has been paid in full and is currently still on my credit report and hindering 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 non-monetary relief