vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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:
My name XXXX XXXX XXXX disputing the this account I ask it to be deleted now I never opened this account my identity was stolen 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Law 15 U.S.C. 1681-1681x 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$240.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Sales Contract Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid in settlement/Never late. 
Status updated XX/XX/year> Original balance $ XXXX  Monthly payment - Last payment date XX/XX/year> Additional info XXXX XXXX XXXX 24 Months Company sold - Original creditor - Comments Account paid in full for less than full balance Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone number ( 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 2024-04-23 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly take immediate steps to eliminate the unauthorized inquiries from my credit report, as they were not sanctioned by me and are causing considerable distress.

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 2024-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My mother had her XXXX home mortgage through XXXX XXXX XXXX. She passed away XXXX XX/XX/2022, leaving her home to my sister and I. I am the executor of her estate. Her home was sold and the mortgage paid in full. I have a copy of the lien release from the mortgage company. An escrow refund check was mailed, but in the upheaval of selling the home ( which I was living in with her at the time ), moving, and grieving her death, the check was misplaced. I just found it about two months ago. Since the check is more than 180 days old, it is void and the bank will not cash it. I have since found that XXXX acquired XXXX XXXX XXXX. I have sent several emails and talked to numerous agents over the past XXXX weeks trying to get a replacement check issued. Only one agent has been able to find any record of the loan ( and I can't reach her again. ) She gave me another number to call that went straight to a voicemail. None of the emails I have sent or voicemail messages I have left have received a response, or even an acknowledgement that they had been received. The last call I made, the overseas agent gave me another number to call. I was connected to XXXX XXXX XXXX ... an autobody repair shop chain. I have my mother 's death certificate, her Last Will and Testament, the lien release from the mortgage company , the closing documents and settlement statement from the sale of her home, and the unendorsed, undeposited original check. It would not seem that this would be such a difficult problem to resolve, but I'm not getting anywhere and need help. I have found on XXXX and other review sites that XXXX is a terrible company with which to do business, and escrow refunds are a frequently mentioned problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
This complaint to TRANSUNION alleges violations of the Fair Credit Reporting Act ( FCRA ) due to the presence of inaccurate information and fraudulent accounts on my credit report. Upon reviewing my recent credit report, it has come to my attention that erroneous data and fraudulent accounts are being reported, yet TRANSUNION has failed to take any corrective actions. By allowing this inaccurate and fraudulent information to persist on my credit report, TRANSUNION may be in violation of the FCRA 's provisions regarding the accuracy and integrity of consumer credit information. Additionally, I have taken the necessary step of filing a report with the Federal Trade Commission ( FTC ) to address these violations, providing documentation with report number XXXX. This action is in line with the FCRA 's requirement for consumers to report any suspected violations to the FTC, which oversees compliance with the FCRA and ensures appropriate enforcement measures are taken. In summary, the presence of inaccurate information and fraudulent accounts on my credit report, coupled with TRANSUNION 's failure to take corrective actions, constitutes potential violations of the FCRA. By filing a report with the FTC, I am seeking resolution of these violations and enforcement of my rights under the FCRA to ensure the accuracy and fairness of my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-04-23 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: IL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to file a complaint against Chase Bank regarding a missing ATM deposit made on XX/XX/2023 I deposited {$1800.00} in cash at However, the full amount was never credited to my account. I have contacted Chase customer service on several occasions to report the missing funds, but the issue has not been resolved. I have been provided with various answers. I have not received any concrete information about the whereabouts of my deposit or a timeline for resolution. This missing deposit of {$1800.00} has caused me significant financial hardship, as I am unable to access the funds and have been relying on alternative means to pay my bills. Additionally, this incident has eroded my trust in Chase Bank and its ability to handle my financial transactions securely. Desired Resolution : I request that Chase Bank immediately investigate this matter and credit the full amount of {$1800.00} to my account. I also expect a clear explanation of what happened to my deposit. I recently thought this was resolved with a credit back to my account but it was removed. Please investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MS

Complaint narrative:
15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
This account # XXXX from ICS COLLECTION SERVICE is paid in full. ICS COLLECTION SERVICE refuses to remove from credit reporting. Original creditor XXXX XXXX confirmed the debt is paid and no other obligations are being requested at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have Unauthorized Inquires on my credit report that i did not authorized. I am a victim of identity theft. 
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 explanation
Consumer complaint received 2024-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I noticed a charge on my account. I reached out to the vendor listed to inquire about the charge. The vendor was " people finders '' an online data collection group. I also went online to see if I could locate an account with them, and there was no established account. I then called the vendor and explained the situation and asked that any information shared to investigate not be entered into their system. The operator hung up on me. Thinking this was an accident I called back and the same happened. 

I then went on to my BoA mobile account to try and dispute the charge. The only option was to cancel the card. I thought this was unusual as other financial institutions offer other remedies for problems. I called and explained the situation to the customer service representative. While he was very understanding he said the only thing he could do was cancel the card. I told him that this would be inconvenient, and others offer a refund of the funds and a block on that vendor moving forward. He said he could place a block on the vendor moving forward but could not refund my money. I asked to speak with a supervisor to explore other options. The gentleman was kind and move to the next level. I spoke to the supervisor and she said this " was the best option '', so I asked what were the other " less desirable '' options. She told me there were none and that the choice was made in the interest of the bank. I told her as a loyal customer ( over XXXX years ) I would hope they would make decisions based on what was in the best interest of the consumer as well. I then asked to file a formal complaint and was told that the customer service rep would " file it on my behalf ''. I then asked to receive a copy of the formal complaint. I was told that was not possible. I asked her to speak with her supervisor. I was told she was unavailable and she would call me back. The supervisor did call me back and told me I could receive information on a complaint and follow-up and apologized for not being offered that option. I asked again if there was any option that could be explored to refund my money without canceling my card. Again I was told to protect the bank this was the only option. She then described that even with a stop payment request on my account I may still be charged as it is an issue with XXXX. Then I asked why that option is offered and that was meant with silence. When I asked how much money does BoA lose every year from this glitch between XXXX and BoA, she was unable to answer that question. I thanked her and ended the call.

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 2024-04-23 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: TX

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-04-23 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:
PLEASE BLOCKED AND REMOVED. 
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 2024-04-23 00:00:00
Product: Debt collection — I do not know
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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I disputed over XXXX fraudulent inquiries on my Equifax report and included an identify theft report in which Equifax refuses to remove the inquiries that are not mine despite being involved in a date breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I did not open an account on XX/XX/2023 with XXXX XXXX, it says I owe XXXX dollars that I do not have from them never even received. I keep getting calls from a debt collector and they are very abusive and rude, called XXXX I do not have any documentation of this debt as I do not own this debt. 

My ssn can be used and brought up all my used names and phone numbers, but it doesnt make it my debt. 

I was even told that I opened this debt from an address I havent lived at for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
asked for proof of debt validation of debt proof copy of original contract and to delete this from my credit file. never contacted me or provided any proof. also believe they are required to adhere to an arbitration clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
Disputing Information in Credit Report I am writing to dispute the following information that your company has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX account # XXXX is inaccurate How can I open the same account on two different dates Transunion says opened on XX/XX/2021 XXXX says opened on XX/XX/2021 Please delete this account. 
Also Transunion says there are zero late payments but XXXX is reporting 5 late payments. Please delete this account!! 

Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported 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 2024-04-23 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:
Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of 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 2024-04-23 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:
Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: ME

Complaint narrative:
I have contacted the company ( I think ) 8 times now asking for the same thing. I have asked for a copy of my payment history so that I can submit it for my taxes to get some money back. I initially asked 2 months ago and MOHELA said they would mail it and never did. I then called and they said they were sorry and would email it. I never received that email. I then called again and explained that I hadn't received it by mail or email and that the tax deadline was soon approaching. They assured me I would get what I needed. The tax deadline came and went, but nothing. I called again and a supervisor put my case on 'highest priority '. I then got an email saying 'log in to view your paperless letter ', I was very excited to finally have that documentation after trying around 6 times at customer service. The link took me to the old MOHELA platform, and simply prompted me to log into their new platform instead. I logged in, and still nothing. I called 2 more times and have still had no luck. I don't know what to do. I am missing out on XXXX dollars in tax refunds because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation