vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-04 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years

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 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I do not have a contract with company. Inaccurate information reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
This is related to closed complaint # XXXX. On XX/XX/XXXX, MOHELA responded that they " reviewed the Consumer Financial Protection Bureau ( CFPB ) complaint, regarding the processing of your request for a refund of payments made within the XXXX administrative forbearance period. As of this writing, our records indicate that MOHELA is further reviewing your account to determine the appropriate amount to be refunded for additional payments made during the XXXX period. We are working diligently to facilitate this process within the coming days. '' I submitted the following information to MOHELA on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX amount back to my student loan balance, MOHELA has not provided any updated details on my refund request besides responding to my XXXX complaint on XX/XX/XXXX that they submitted the refund request to Treasury on XX/XX/XXXX. Why was this information not provided in response to my CFPB complaint? If they submitted the request 5 months ago, why are they still determining the refund amount? Since XX/XX/XXXX, I have repeatedly requested a financial transaction history from MOHELA but they have not been able to provide any transactions before my loans transferred to MOHELA. Because there is no place on the MOHELA website to provide this information, I am opening a new complaint so I can submit the only available documentation I have to try and resolve this issue. For each payment, I have submitted a redacted copy of my bank statements which show evidence of my payments for the exact amounts that I requested refunds for 8 months ago. I also have attached an account summary still available on XXXX. I am no longer able to access my XXXX account online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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 am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.

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 2024-02-04 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 am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
IVE DISPUTED THE INCORRECT REPORTING OF A DEBT THAT'S NOT MINE ON MY REPORT THEY STATED IT WAS VERIFIED. tHE COMPANY IS IMPACT XXXX XXXX. WHEN I TRIED TO DISPUTE AGAIN THEY STATED I HAD TO CALL AND IT WOULDN'T BE INVESTIGATED AGAIN AND SO I CALLED AND I WAS TOLD THAT TRANSUNION DID INVESTIGATE AND I ASKED THEM HOW COULD THEY REINVESTIGATE AND FINISH IT THE SAME DAY THEY STATED THAT THE REPORTING CREDITOR SENT THEM PROOF AND SO I ASKED THEM WHAT PROOF DID THEY HAVE AND I TOLD THEM I WANTED A COPY OF THE PROOF THEY HAVE. DUE TO I VE NEVER HAD A CONTRACT WITH THE COMPANY NOR HAVE ANY THING ATTACHED TO THE ADDRESS OR A BINDING AGREEMENT, TRANSUNION STATED THEY DONT INVESTIGATE ANYTHING THEY ASK THE DEBT COLLECTOR JUST FOR A NAME AND SOCIAL AND SO SINCE THAT MATCHED THEY WILL NOT INVESTIGATE NOR REMOVE IT FROM MY REPORT. 
ALSO TRANSUNION STATED THAT IMPACT XXXX XXXX TOLD THEM THAT THEY WERE THE ORIGINAL CREDITOR OF THE ACCOUNT ALSO WHICH IS FALSE BECAUSE THEY HAVE NO DOCUMENTATIONS AND NOTHING TO VERIFY

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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year> I deposited a settlement check that was signed over to me from my brother. First there was a 7 day hold on the check, which was fine but then chase ended up putting a freeze on my account so therefore I couldnt access my other funds! This should be illegal!! I understand they need to verify this check but that shouldnt stop me from being able to get my other money that was already in my account!! They was able to verify my brother and see that he really gave me the check to deposit but for whatever reason they cant verify the company that the check came from. I guess the number isnt correct in the system! That is ridiculous! There has to be another way! I want my money now!! If they cant verify from the company then I guess they are going to close out the account. I even told them I could give a direct number to the company who wrote the check. The check is valid!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I was notified by XXXX XXXX XXXX on XX/XX/ regarding an alleged debt. I have reason to believe I do not owe this debt because prior to moving into XXXX XXXX apartments, the entire unit XXXX flooded due to pipe bursting during the freeze. Everything including carpets had to be replaced right before I moved in. We lived there for 2 years. After we moved out in XXXX, four months later, I received a bill collection letter in the mail. I called XXXX XXXX apartments to ask what this was regarding to and was told that the carpet had to be replaced once again. XXXX XXXX was left in perfect move-out condition with no damages what so ever. The carpet was vacuumed and cleaned along with all furniture and trash removed. A security deposit was also paid-up front when signing my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Please remove the inaccurate information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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:
i am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I am a victim of Pig Butchering Scam happened through online trading portal XXXX XXXX XXXX. I had deposited {$140000.00} to my trading account through XXXX and XXXX through crypto transfers. I lost all my hard earned savings as they are not allowing me to withdraw the fund. It's a total scam. I have requested XXXX XXXX XXXX when I came to know about this scam ( its after 2 months ) to track and recall all my transfers. I am not getting any response from the XXXX regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: MD

Complaint narrative:
I am writing to file a complaint regarding unauthorized accounts on my consumer file as a result of identity theft. I have already taken the necessary steps to address this issue by filing an FTC report and a police report with the XXXXXXXX XXXX  Police Department. Enclosed, please find copies of these reports, as well as documentation confirming my legal name change from XXXX XXXX XXXX XXXX XXXX pursuant to a divorce order. 

The following accounts, names, social security numbers, addresses, phone numbers, employers, and spouse or co-applicant information do not belong to me, and I request their immediate removal from my consumer report : MY NAME IS XXXX XXXX MY FORMER MARITAL NAME WAS XXXX XXXX  ( DIVORCE ORDER AND NAME CHANGE IS ENCLOSED ) Names to be removed : XXXX XXXX XXXX Addresses to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security number to be removed : LAST XXXX XXXX THIS NUMBER DOES NOT BELONG TO ME ( Enclosed is a copy of my Social Security Card ) Employers to be removed : Consultant 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1691c-2, I am entitled to have the fraudulent information blocked from my credit report. The relevant federal statute states that when an identity theft victim provides a copy of a police report to a consumer reporting agency, the agency must block the reporting of the information resulting from identity theft. This action is essential for preventing further harm to my credit and financial standing. 

I kindly request that you investigate this matter promptly and initiate the necessary steps to block the unauthorized information from my credit report. Additionally, please provide me with a written response detailing the actions taken to resolve this dispute. 

Enclosures : [ List of enclosed documents, such as identification, XXXX document for name change, police report number, XXXX name and phone number, and FTC 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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They were charging me {$15.00} for banking with them even though I had savings and that was there contract either if I kept depositing over XXXX a month or having a saving account with the transfer account every month I had XXXX of each of those things and they kept charging me monthly fee of {$15.00}

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My ssn has been relayed to yall wrongly and I need it fixed on all 3 credit reporting agencies ASAP bc its preventing me from filing my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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:
Upon checking my most recent consumer report I found that these accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report. The following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contain transactions and experiences ( utilization and or late payment history ), which is to be excluded from a consumer report. This company also has no permissible. 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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