vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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 writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

Details of the Unauthorized Inquiry : Inquiry Date : XX/XX/year> Inquiry Type : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Contact Number : ( XXXX ) XXXX My Full Name : XXXX XXXX XXXX XXXX I kindly request that you : Investigate this matter and provide documentation proving that I authorized this inquiry. 
If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
Provide written confirmation of the removal of this inquiry and any correction made to 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 2024-06-18 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 writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXXXXXX XXXX  XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

Details of the Unauthorized Inquiry : Inquiry Date : XX/XX/year> Inquiry Type : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Contact Number : ( XXXX ) XXXX My Full Name : XXXX XXXX XXXX XXXX I kindly request that you : Investigate this matter and provide documentation proving that I authorized this inquiry. 
If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
Provide written confirmation of the removal of this inquiry and any correction made to 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 2024-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: HI

Complaint narrative:
Debt from previous employer was submitted to. Department of Treasury whom begin garnish XXXX check ( which is direct deposited into bank account ) I the. Received collection letter from conserve collection. The total amount they gave me was over half less then what the Treasury amount was just the previous month. I told them I never got the first letter from them and requested a verification of debt from conserve over the phone and was told they can't give me anything in writing. Copy 's of the first letter was sent but nothing indicated about the verification. I also stated that the Treasury is still garnish my check there response was the Treasury can do what they want and the fdcpa doesn't apply to them.even if I dispute debt they would still garnish.I called The Treasury and was told all communication were to be done through conserve and they wasn't stoping garnish until debt was paid off Support of complaint From cfpb website and Treasury Fiscal Service and its private collection agencies ( PCAs ) will assist the federal agencies by identifying debtors eligible for XXXX. A federal agency may not garnish wages if a debtor has not been in their current job for at least 12 months and was involuntarily separated from their previous job. In addition, Fiscal Service and its PCAs will monitor collections under the XXXX order to ensure employer compliance From there website, I was involuntary separated from previous job and not working so at current job for 0 months https : //www.fiscal.treasury.gov/cross-servicing/awg/awg-background.html This is from cfpb website : Social Security and Social Security XXXX XXXX XXXX XXXX ) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support. 


The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. 



As long as I am using direct deposit, which federal benefits are protected? 

Money you receive and direct deposit to your account or card from the following government programs is protected : XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I leased a XXXX ( XXXX ) from XXXX XXXX XXXX in XX/XX/year>. The Toyota Financial Services account was setup and there was absolutely no problems accessing the account. 

I leased another XXXX ( XXXX ) for my daughter from XXXX XXXX XXXX in XX/XX/year>. When the first maintenance email arrived in my inbox I informed my daughter who took the car in for maintenance. During the maintenance she asked the dealer to change the configuration to allow her to receive the maintenance emails. The representative told my daughter they had " fixed '' the account to email her. The TFS account has NOT been accessible from this point on due to a change in the profile email. 

I've literally spent hours on the phone attempting to get through the phone tree to get a live person because NONE of the options address anything like this issue. I have gotten through occasionally but every time the representative reports they are UNABLE to resolve the issue. One representative informed me the dealer made the change which is why they cant correct it. The representatives all have told me they would send the issue to the correct department to resolve it but as of today I have NEVER received a call or email attempting to resolve the issue and I still cant logon to my account. 

My account with Toyota Financial Services is NOT accessible to me or anyone I know due to the message " the email associated with your XXXX XXXX Profile is : XXXX '' Please understand this email address above is in NO WAY associated with ANYONE I know! This email is attached to my account which gives access to my account information to someone I do NOT know and prevents me from accessing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
After reviewing my documents and reading the Truth in Lending Act, I found that I was not given the required notice of rescission. I have had the mortgage since XX/XX/XXXX, which is still within the 3 years allowed if not given the notice of rescission. 

There also isn't an Appendix XXXX or XXXX model as required pursuant to the example provided in 12 CFR 1026.23 here on the CFPB site. 

On XX/XX/XXXX I mailed Carrington Mortgage Services a notice exercising my right to rescind their security interest and to return all monies paid by me. I mailed it to the dispute address provided by them on the billing statement certified mail # XXXX. The notice was received on XX/XX/XXXX according to the United States Postal Service. 

I am contacting you now because I previously mailed them notice of the same back in I think it was XXXX, but I lost the notice and never received a response from the mortgage servicer. 

This is to inform you of the progress so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-18 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2024-06-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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 explanation
Consumer complaint received 2024-06-18 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-06-18 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023

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 2024-06-18 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX Account Number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : 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 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Guild Holdings Company
State: NV

Complaint narrative:
Purchased a condo and financed with Guild mortgage in XXXX. Called in XXXX to remove PMI as I put 10 % down and unit appreciated over 30 %. Was told it can not be removed until after 24 months. Called back in XXXX XXXX  to again request PMI removal, and after a couple calls they finally agreed when my wife called. I took them at their word and never verified as it's on autopay, and I just now noticed 21 months later that they never removed the PMI charge. Their customer service said they have no phone records or notes on the account that this was ever requested or granted. They could only check if I provided the phone number I called from, and they had " found no calls '' from my or my wife 's numbers. I asked what the number mattered as there should have been notes added to the account with every call, but they said they had non and found no record of our calls. This is impossible, I remember the last call like it was yesterday, I congratulated her on a job well done as soon as she hung up.

By misleading me and continuing to charge PMI they have taken over {$1000.00} from my account ( {$53.00} per month ). Now they tell me to pay {$180.00} for a property valuation before they'll remove it. I owe XXXX XXXX, and purchased for XXXX XXXX. For comps, the XXXX identical units that have sold in XXXX have averaged XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello I spoke to the Transworld and they are reporting I owe {$52.00}. The original creditor is XXXX XXXX they advised I have a XXXX balance. I have sent the letter from XXXX  to the company and they are reporting this to mt credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: OH

Complaint narrative:
Equifax has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
XX/XX/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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I received an email from Chase with a fraud alert for a declined transaction at XXXXXXXX XXXX  They did not allow that charge to go through. I immediately called them and told them that there were several unauthorized transactions. All made on XX/XX/year>. XXXX XXXX XXXX XXXX {$48.00} ; XXXXXXXX XXXX {$240.00} ; XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX XXXX {$17.00} ; XXXXXXXX XXXX Discount {$20.00} ; XXXX XXXX XXXX XXXX {$18.00} ; XXXX XXXX {$68.00}. I also have all the times they were charged if needed. I told the person that my daughter was in XXXX XXXX for XXXX XXXX but still had the card with her and some how we think they hacked her XXXX XXXX or skimmed it because her debit card also had unauthorized charges. Her bank refunded the debit card charges. 
They initially removed all the charges, but put them back on because they said the card was tapped at the stores. We honestly have no idea how they would have done that except for hacking her XXXX XXXX. Since we were honest and said she was still in possession of the card, Chase 's argument is that the card was tapped in the store so we are responsible for the total of {$430.00} in charges. We can not explain how that happened but they basically told me if I had said it was lost then the outcome would have been different. They closed the case and we had to pay the charges.

Company response to consumer: Closed with explanation