vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: OH

Complaint narrative:
I have reached out to Transunion with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have these fraudulent inquiries removed from my credit report. I retrieved a police report from the city of XXXX, New Mexico where my wallet was stolen with my ID and credit cards in it. After Transunion asked for the police report and promised to remove the inquiries while on a recorded line, I made sure that I mailed it to them certified. They were not removed. I called to see if they could remove them and I was then told that I needed a FTC report, and again on a recorded line, i was told that the inquiries would be removed once they received the FTC report. I Then got the FTC report and sent it to Transunion, and they still have not removed them. Transunion continue to say that they verified the information even though these items are not attached to any accounts that I have. I was asked by a few representatives have I spoken with the creditors and each time on a recorded line, I stated that I did. I was told by the creditors that they had no information in their computer systems bearing my name or no part of my identity. They also stated that they could not send anything to Transunion on my behalf because they didn't have nothing that attached me to their business, but Transunion continues to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed and I have yet to receive anything. The incorrect data and no signed application showing proof that these inquiries belong to me was reason to remove all fraudulent inquiries from my credit file. I am asking for your assistance in this matter to step in and push them to do the right thing and remove these fraudulent items. I have sent them several reports including my personal Identification from the month of XX/XX/XXXX until now XXXX XXXX below are the fraudulent inquiries ; ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. ) PLEASE HELP ME WITH THIS LYING BUREAU!!!!!!!!!! 

THANK YOU

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 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I lost my Comenity Capital Bank XXXX XXXX credit card : XXXX and someone made fraudulent and unauthorized charges and transactions on my XXXX  XXXX credit card. Theres over {$600.00} to {$900.00} in fraudulent transactions on my XXXX  XXXX credit card. I didnt make the transactions. The transactions are all fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
Imagine my surprise when I received notice from XXXX that derogatory information was added to my credit report. I called National Recovery and it turned out to be a service that would dispute the derogatory information. Of course, the initial charge to do that was over {$250.00} initial payment and then XXXX XXXX monthly. 

I have never received any correspondence from these two agencies. And seriously doubt that the claims are valid. I have Medicare and Tricare ( XXXX XXXX  XXXX ), and never received an explanation of benefits ( EOB ) explaining the below charges. 

Collection Agency : National Recovery Original Crediton Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original amount owed : {$780.00} Date Assigned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Unpaid Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Original amount owed : {$1000.00} Date Assigned : XXXX XX/XX/year> XXXX XXXX XXXX XXXX Status : Unpaid

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently reached out to all XXXX major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments.

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked XXXX late by XXXX but marked paid on time by XXXX. XX/XX/XXXX I was marked paid on time by XXXX and XXXX, but XXXX  days late by Equifax. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX. XXXX XXXX  Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Caliber Home loans was my mortgage servicer until XX/XX/XXXX when it was transferred to XXXX XXXX I contacted Caliber Home Loans for my mortgage interest statement - XXXX for XX/XX/XXXX to XX/XX/XXXX. They can not find any of my information and gave me an email to request the information. I then sent an email to XXXX { the service department they gave to me }. I did not receive any information from them, nor did I hear back from the email I sent. The 1098 is required to be given to consumers no later than XX/XX/XXXX. I have not received anything, and no one has been able to even give me an amount of the interest I paid. I need to file my taxes. I need that information as soon as possible. Thank you, in advance, for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX. We have recently become aware of potential instances of identity theft and fraudulent activities that may involve accounts under your respective institutions. 

According to our investigation, we have reason to believe that individuals or entities have engaged in unauthorized transactions and account openings using personal information obtained through illicit means. As per our legal obligations under code 18 U.S.C. 1028A, we are required to undertake thorough inquiries to mitigate any further harm and protect the affected parties. 

Our inquiries specifically pertain to accounts associated with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We kindly request your cooperation in providing relevant information and assistance in our investigation process. This may include but is not limited to account statements, transaction histories, and any other pertinent records that could aid in identifying and resolving these issues promptly. 

Furthermore, we urge your institutions to enhance security measures and implement stringent protocols to prevent similar incidents in the future. Safeguarding customer data and ensuring the integrity of financial transactions are paramount responsibilities that require constant vigilance and proactive measures. 

Please acknowledge receipt of this inquiry at your earliest convenience, and feel free to contact us directly should you require any additional information or clarification. We appreciate your prompt attention to this matter and your cooperation in resolving these concerns. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statebridge Company
State: CA

Complaint narrative:
They called and said they returned a check for nsf. Then I got a letter which informed me of same. I had the funds so I was confused. I called the bank and they had no record of it. Called back statebridge company and asked What they were talking about because bank had no record of it. Statebridge said they had just used the incorrect bank number. However, I. Their letter they indicated nsf and warned me that if 2 mad were had in a six month period, I would be punished. The first call, also indicated nsf, and I was told the money was returned. All that was a lie. Now, I am short the payment money. Because instead of them being accurate and truthful, I spent some of it. But Im told its a XXXX fine when they are untruthful. Oh in addition they allege that someone named XXXX wrote the letter, later telling me that person doesnt exist. Thats another lie. How do I get my XXXX dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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:
Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-03-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. I have student loan debt of {$XXXXXXXX} now held by XXXX. I have had multiple obstacles to paying the loan that began in XXXX XXXX XXXX XXXX XXXX  %. Now there are programs that didnt exist back then, but dont help my circumstances now, but would have changed everything then ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - but even {$XXXX} forgiveness wont fix it ). I have no other debt, a small savings. What can I do? I read the dept of ed., student loan stuff, spoke to my servicers regarding there programs, ( to the point that the representatives and myself XXXX XXXX XXXX  ) and its hard to apply their options to my circumstances now. I believe I am a standard case of a common, really messed up student loan experience, that falls in the process as much as myself, but perhaps to a larger magnitude. PLEASE HELP!!

I can provide many more details but dont know where to start. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-18 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: WI

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: WI

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX stole {$98.00} from my bank account. When I discovered this I contacted XXXX and Citibank. XXXX debited the money on XX/XX/2024. Today is XX/XX/2024. XXXX issued a refund on my account on XX/XX/2024. Citibank has held on to the money for more than XXXX hours. When I called Citibank they were very nasty. The supervisor XXXX from XXXX tried to gaslight me on how Citibank reported the transactions. He tried to tell me that my account was overdrawn by {$120.00} when per the accounting that I am providing via bank transactions that this is not the case. I do not understand why Citibank is not being helpful. They are listing the funds as being pending but they have been pendind for XXXX days. When I do an ach transaction the transaction is instantaneous. But for some reason this refund is not. I am getting upset as I am a XXXX XXXX XXXX XXXX on a fixed income. I feel that Citibank is trying to poverty shame me and not listen to my concerns. They are certainly gaslighting me. I am not less than because Covid. I am not the only person who was affected by the economic impacts of Covid. I may have a job but the time and energy required to resolve this has been too much of a toll. I have been calling Citibank to find out when the funds are going to be released. I am very much against the offshore call centers as I feel people who are economically disadvantaged are not empathetic or sensitive to consumers needs. I for one would love to have a job. Any job.

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