vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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:
TransUnion reports that I have a student loan that does not belong to me. After I filed a dispute, their investigation inaccurately stated the loan was valid. For the dispute, I spoke with the live agent, XXXX, and was given case # XXXX. 

I've attempted to contact XXXX ( the loan that fraudulently appears on my report ) but was put on hold for over 40 minutes when I attempted to call on XX/XX/XXXX and again on XX/XX/XXXX. 

Here is a copy of the dispute report : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXXDEPT OF ED # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated; Remarks ; Rating ; Special Payment ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Co-Signor on Account Account Type : Installment Account Loan Type : STUDENT LOAN Balance : {$780.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$770.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$0.00} per month, Deferred Remarks : XXXX XXXX XXXXXXXX XXXX XXXX ; PAYMENT DEFERRED XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX/DEPT OF ED # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX XXXX XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated ; Rating ; Special Payment ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Co-Signor on Account Account Type : Installment Account Loan Type : STUDENT LOAN Balance : {$3800.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$3700.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$0.00} per month, Deferred Remarks : XXXX XXXX XXXX XXXX XXXXXXXX ; PAYMENT DEFERRED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.

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 2024-02-28 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:
These requests are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX and Discover XXXX, XXXX got a copy of your XXXX Credit Report XXXX 
XXXX, XXXX made a Inquiry by checking your XXXX Credit Report XXXX 

Source : XXXX XXXX : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX DISCOVER FINANCIAL SER tried to access your XXXX credit file while it was locked. If you are actively seeking credit or new financing, simply unlock your file. 

Source : XXXX XXXX : DISCOVER FINANCIAL SER Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/202XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XX/XX/XXXX I opened a CD with Marcus by Goldman Sachs. In XX/XX/XXXX I received an email inviting me to open another CD@ 5.40 %. On XX/XX/XXXX I mailed a check for {$7500.00} to Marcus. The check was negotiated by my bank on XX/XX/XXXX. On XX/XX/XXXX I checked my account and saw that no new CD had been opened, and the money did not appear in my existing account. I called Marcus and spoke with a representative who referred me to her supervisor. At first I was told to check the State of California website for unclaimed property. However the property is not unclaimed as the check has been cashed. The supervisor acknowledged this and told me the error would be resolved within 3 days. It has not been resolved. I have no idea where my {$7500.00} is and I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hi this is a transparency corroption issue with XXXX that has created multiople DBA 's and then transfers loans from one to the other and then closes that DBA all together. 
XXXX operates under : XXXX XXXX XXXX XXXX  - no longer exists - they sent notice on XX/XX/XXXX they are notifying us of transferring my loan and then on XX/XX/XXXX out of nowhere they claim they paid my taxes but never did, I searched on XXXX XXXX site, no such payments were ever paid. Dates are important here since they are transfering accounts notifying on XX/XX/2023 THEN they just take it upon themselfs to pay taxes ( by the way tax-bills are not due till XX/XX/2023 and no tax bill has been mailed. 

Now they have hold my payments in their possession and NOT applying to my loan and then threatening daily me of FORCLOSURE I made multiple phone appointment apparently with XXXX the supervisor last Friday at XXXX XXXX  she no showed and no called!!! I am so devastated by how reckless they are acting. 

Please I NEED HELP!! 


nt and not applying to my payments and then threatening me with foreclosure!!! 

Please contact me. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had a call today from Midland credit MCM, I felt uncomfortable with the representative threatening me to pay off debt in same day, I was currently at work when she called, but she was adamant about me paying and threatening me if I dont I will have to pay court cost etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit report. Despite my repeated attempts to contact you and resolve this issue, I have seen no progress in correcting the errors. 
As a consumer, I have the right to accurate and complete information on my credit report, as stated in the Fair Credit Reporting Act ( FCRA ) XXXX. Congressional findings and statement of purpose ( b ). Therefore, I am demanding that you immediately delete and remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have carefully reviewed my report and have determined that these accounts are not accurate representations of my credit history. I have made numerous attempts to contact you and provide documentation to support my claims, yet the errors remain on my report. 
I urge you to take immediate action to correct these inaccuracies and provide me with a corrected credit report. Failure to do so will only continue to hinder my ability to obtain employment and provide for my family 's needs. 
Please provide me with proof that the accounts in question are accurate and true, as required by the FCRA. If you can not provide such proof, I demand that you immediately remove and delete these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Regards, 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 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS FAILED TO PROVIDE A VALIDATION OF DEBT. THEY ARE REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS ; XXXX, XXXX XXXX XXXX. THIS IS A COLLECTION ACCOUNT AND IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

b. THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/year> I was scammed out of {$100.00} & {$50.00} for a deposit on a home. I was told the only way I could get my money back was it they returned it. They blocked me instead so I can't ask for a return

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I have never created this account and never used XXXX, so I'm not sure why they're claiming that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX  # XXXX I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize Experian, - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization I have disputed this time and time again and they refuse to follow fcra

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
After agreeing to have my tax refund send to a Credit Karma account, I have been unable to link a bank account to withdraw the funds. CK forces users to use XXXX. I would prefer NOT to be forced into a situation where I am sharing financial data with a third party company just to access my funds. The option to manually input an account simply does not exist, which only makes sense if CK has a beneficial agreement to force consumers into a data harvesting scheme. 

Furthermore, while I would prefer not to use XXXX, I did attempt it. It simply reloads back onto the login screen of my bank. I attempted with two different banks. CK has an option to transfer funds via a linked debit card for a XXXX XXXX XXXX. It feels like this entire process has been to force that kind of transfer. 

Also, if you have recently opened an account and linked a card, you are not allowed to link a different card. At every possible step, CK makes getting your funds out of their institution a nearly impossible feat.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting by Target Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX I noticed two late payments erroneously appearing on my Target Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXXXXXX XXXX XXXX, I have diligently contacted Target Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over XXXX representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use Target Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of Target Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that Target Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I checked my credit report around XX/XX/2024 and seen that LVNV Funding is reporting a debt that I do not owe them. I refuse to pay them this debt. They have no proof that they are the owners of this debt. My consumer report has LVNV funding as the Current Owner but Resurgent is the company responding and sending notices through the CFPB which is misleading. The law states that servicers have no right to collect a debt if they are claiming to be the servicer. I have not been properly notified about this debt from LVNV Funding. This company is damaging my consumer report and violating my rights as a consumer. My next resort will be to file complaints both criminally and civilly. In the meantime I will be notifying the Attorney General via a consumer complaint and Department of justice. I mailed an affidavit, bill of particulars and my soon to be civil complaint to them today XX/XX/2024 by regular postal mail, in which I will attach to this complaint.

Company response to consumer: Closed with explanation