vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i sent a notice of dispute dated XX/XX/24 to transunion llc they received the dispute on XX/XX/24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to XXXX XXXX bank from transunion llc without my consent and XXXX XXXX XXXXXXXX bank did not follow reasonable procedures and failed to investigate the dispute its been more then 30 days already

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 2024-06-25 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: LA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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:
My mother passed, as i was trying to secure nancing to lay her to rest and secure some of the XXXX XXXX responsibilities i was told to view my credit because XXXX to me it would be dicult to make necessary arrangements and get memorial services as well as secure her nal resting place with my credit, when i looked at my credit XXXX, i noticed accounts that didnt belong to me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX under fcra 605 and 15 USC 1681e ( b ) it states this ( b ) Accuracy of report i am do relief, please assist, at this point this is willful non compliance and im in a critical position.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/year>, we tried to make a payment on our mortgage account which would have made the account current before scheduled transfer of the account to another mortgage company. Unfortunately, our online payment option had been disabled and we could not make a payment. We immediately called XXXX to try to make a payment online with a representative ( XXXX XXXX XXXX and were advised that we needed to make the payment online because the online portal was still up and active. Again we logged into our online portal to try to make a payment and were unsuccessful. On XX/XX/year> XXXX who no longer owned the account made a negative report to our credit and when we were notified by XXXX XXXX on XX/XX/year>, we called XXXX and spoke with XXXX XXXX. We asked them how could they report anything to our credit when they no longer owned the account and intentionally disabled our online ability to bring the account current. She put in a request to see if XXXX would remove or reverse the adverse reporting. We advised her about the letter that we had received from XXXX stating that we would be able to make payments on our account through XX/XX/XXXX, but that was clearly not the case. We disputed the negative report on our credit with XXXX and XXXX, who reached out to XXXX at which time they removed the 30 days late for XXXX but added a comment that the account was transferred but 30 days late. We have tried numerous times to get them to remove any adverse action reported by them because they did not comply with the letter in which they sent out to us as a consumer. On XX/XX/year> we spoke with an escalation XXXX by the name of XXXX to try get a different outcome and was told that the report made by them would remain as is. By her admission she stated that they had indeed disabled our account before XX/XX/XXXX and any payments made needed to be received in the form of a check by XX/XX/XXXX. That was no stated in their letter and we were advised that any form of payment would be acceptable through XX/XX/year>. Everyone that we have spoken to has constantly given a different excuse to try to justify the deceitful act done unto us by XXXX Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MS

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 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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I closed yesterday a 3 month old credit card, and the card had a {$99.00} annual fee with it which was paid. I was told by phone yesterday that I would not receive a full refund nor a prorata refund of the credit card fee despite having about 9 months left on it. The nonrefundability of the fee the company admits is neither in the terms and conditions, or the online application, nor told to anyone applying by phone. I would like at the very least a prorata refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KS

Complaint narrative:
I had two transactions cone out of my account. Both were not authorized. Two transactions for {$150.00}. I'll have the details in the picture. But I disputed them both with cash app and got a denied on them both. I've had no history with the two accounts my money went to. I need that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX. I've noticed inaccurate information on my credit report. I ( Consumer ) never establish or provided my personal information with IQ DATA INTERNATIONAL IN they are in third party Debt collection agencies and absolutely not the original creditors I established an agreement with. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MS

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 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 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: SD

Complaint narrative:
I have a charged off credit card account from XXXX that was placed with Radius Global for collection. The last letter I received regarding this account is dated XX/XX/XXXX from Radius Global offering a resolution of my account for a total of {$1300.00} split into 12 payments of {$110.00}. I had not received any correspondence regarding the account since that letter so I assumed that my account was still with Radius Global. In XX/XX/XXXX I sent a check for the full settlement amount that was offered along with a letter clearly indicating that I wanted to accept the settlement and have the charge off removed from my account. I was under the assumption that if these conditions were not acceptable then my check would be returned to me. Instead, the check I wrote payable to Radius Global was forwarded to XXXX and applied as a regular payment to my charge-off balance. I received a letter dated XX/XX/XXXX from Radius indicating that my account was no longer being handled by this company and that my payment was forwarded to XXXX. I contacted XXXX and they are refusing to accept the settlement payment I sent Radius as a settlement for my account. The first time I called, I was told that my settlement check was applied as a normal payment and that my account still has a balance due of {$3100.00} and that no settlement offer was available. I called again and was offered a settlement of {$1500.00}. I explained that was not possible and was then offered {$1000.00} which I stated was still not possible. We ended the call and I contacted a local attorney through my legal insurance. The lawyer told me to write a letter to XXXX explaining everything from why I fell behind on my account to the situation with the settlement check. I did that and the letter was sent on XX/XX/XXXX but I have received no response. This is why I decided to file a complaint. I feel like both XXXX and Radius Global misrepresented the handling of my account. Why wasnt I notified by Radius Global that they were no longer handling my account? Why didnt XXXX notify me of this since they are they original creditor? If my account was no longer with Radius then I assumed I would have been notified at the very least by the new company that bought the debt. Was the debt ever sold? Why did XXXX place the debt with Radius and then Radius place it back with XXXX? I have included copies of all of the documents mentioned. Please help me in understanding the answers to my questions.

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 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A Capital One business account is being recently reported on my personal credit report in my personal name that I am unaware of that the credit bureau stated is reporting as of XX/XX/year> but opened 1 year ago XX/XX/year> without any details or information. I have not opened, provided my social, and I do not have any XXXX Accounts with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused severe distress, and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report with 100 % accuracy. 

According to the Fair Credit Reporting Act, all information on my credit report must be reported with complete accuracy. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate accurate reporting. 

Attached are copies of all correspondence I have previously sent. I urge your agency to promptly rectify these errors and ensure that my credit report reflects accurate and verified information as required by law.

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 2024-06-25 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: TX

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused severe distress, and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report with 100 % accuracy. 

According to the Fair Credit Reporting Act, all information on my credit report must be reported with complete accuracy. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate accurate reporting. 

Attached are copies of all correspondence I have previously sent. I urge your agency to promptly rectify these errors and ensure that my credit report reflects accurate and verified information as required by law.

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 2024-06-25 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX my student loans were released from XXXX to Nelnet with the IDR ( Save Program ). I applied for PSLF and loan consolidation on the FAFSA website as I was told to do from the dept of ed. The Dept of education had an official 3rd party company XXXX consolidate my loans. They show XXXX as my loan originators. That is INCORRECT. Nelnet had my loans and was not notified by XXXX that the loans are consolidated and they were not paid for the loan consolidation. My PSLF/consolidated loans are with XXXX. Within the same week in XXXX I started receiving loan repayment ( bills ) from both companies for the SAME loans. I have contacted dept of ed, Nelnet, XXXX and XXXX. I have NOT been able to have the Nelnet loans removed from my fafsa dashboard or my credit score. Nelnet told me to have XXXX send information that the loans are consolidated. XXXX refuses to send any information because they received my loan consolidation from XXXX. They said they have nothing to send. The Obudsman office at dept of ed stated my Nelnet loans need to be marked paid in the system because my loans are consolidated and I am approved for PSLF. Only XXXX services PSLF loans for the dept of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation