vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: OH

Complaint narrative:
I sent Experian a dispute letter for XXXX account from XXXX XXXX and XXXX accounts from XXXX XXXX and XXXX account from XXXX XXXX XXXX that is reporting on my credit report. I didn't receive nothing back, so i disputed it online now. I get my credit report on XXXX from Experian, and now its showing XXXX accounts from XXXX XXXX  and XXXX Accounts from XXXX XXXX  and XXXX account from XXXX XXXX XXXX ( THESE ACCOUNTS ARE DUPLICATES ). THIS IS A VIOLATION FOR INACCURATE INFORMATION ON A CONSUMER REPORT. I have also sent debt validation letters to XXXX and XXXX to validate the debt and they can't even respond. I have made complaints through CFPB as well to have these removed.

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 2024-04-24 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: OH

Complaint narrative:
I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MA

Complaint narrative:
My student loans were transferred between loan servicers from XXXX to MOHELA over a year ago. When this happened, XXXX began reporting my student both from XXXX and MOHELA, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with XXXX. 

Ive disputed this with XXXX 3 times over the past year, and each time XXXX says the dispute has been resolved without fixing it. XXXX told me they stopped reporting my balance to XXXX a year ago and theres nothing they can do. Please help. I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My student loans were transferred between loan servicers from Nelnet to XXXX over a year ago. When this happened, XXXX began reporting my student both from Nelnet and XXXX, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with XXXX. 

Ive disputed this with XXXX 3 times over the past year, and each time XXXX says the dispute has been resolved without fixing it. Nelnet told me they stopped reporting my balance to XXXX a year ago and theres nothing they can do. Please help. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NE

Complaint narrative:
On Saturday, XX/XX/2024, there was a fraudulent XXXX XXXX XXXX XXXX application using my personal information. On Tuesday, XX/XX/2024, I received a credit alert about a hard inquiry on my account and contact the XXXX XXXX department. I was told the credit card application was shut down and that it was reported to the credit bureaus. However, it is almost one month later and the hard inquiry has not been removed. I contacted TransUnion and they advised that I can not submit a dispute for a hard inquiry and that XXXX needs to update my credit report to remove the hard inquiry. After contacting XXXX again, I was told that I need to wait up to 90 days and then contact them back if it has not been removed. This is not a satisfactory resolution time as this was fraud and should be resolved quickly so as not to impact the credit score and report of their customer.

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 2024-04-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
Midland Credit Management does not have any prior business relationship with me. Yet they have called me at XXXX every other day for a week despite telling them to remove me from their list. They called the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX time the call is from a different number which is a known trick to disallow blocking of the contact. They have called from thr following numbers : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-04-24 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
there are several names and address wrong affecting my credit history i sent it to the credit bureu Transunion my social, drivers license and also a bill confirming my info but they did not delete the incorrect items in 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 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been banking with 5/3 bank now for almost XXXX  years. Back in XXXX of XXXX I cashed a check for XXXX some XXXX dollars that was issued to my XXXX XXXX and my handyman for an insurance claim from XXXX XXXX. XXXX is my XXXX XXXX and 5/3 asked him to come in show his ID to verify this is his signature. So he did and they put a hold on the check for XXXX weeks and then it cleared my account for I can start the work on my house to fix it. Then they cashed another XXXX of these that was XXXX in XXXX of XXXX without him having to come in and show his ID. Then XXXX was detained and is in an establishment that he can not leave so he made his XXXX  his POA knowing this was going to be coming up as he is still on the mortgage and that we still had XXXX more checks that needed to be deposited into my account to continue the renovations. They denied his POA and even though his new DL license has his new address with the facility proving that in fact I am not trying to scam the bank that is detaining him they will not deposit this check. XXXX XXXX is his XXXX  and she tried to come into the XXXX XXXX XXXX with her DL to prove who she is, not to mention I provided them with the XXXX  as well and my lawyer said I read about the typical things XXXX  can fall short on ( being too limited or dependent on some future event before they kick in or etc etc ) and this has none of those. They turned XXXX down and said there is nothing that can be done. I made an appt on XX/XX/XXXX with the XXXX of the XXXX XXXX branch to have them reconsider this and they denied it again because it is their policy and that there's nothing that can be done for me. I am just trying to get my life put back together and 5/3 is denying me for no reason! Please help me in this matter time is of the essence and I am a single mother who is just trying to get our home put back together. Thank you so much I do appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: FL

Complaint narrative:
I have an extended fraud alert on my credit report, which legally requires lenders to call me to verify my identity under the Fair Credit Reporting Act ( FCRA ), Section 605A. However, this verification process was not completed. When I took out a loan with Possible Finance, I complied with their requirements by submitting a selfie and my ID. After successfully paying off the loan, my phone was stolen, and I discovered another loan on my credit report. Despite informing Possible Finance that this account is not mine, they insist it must be because I had an account with them before. Their actions constitute a violation of the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Purchased computer from Best Buy at 0 % interest for 12 months. Was charged over {$300.00} in interest while making payments since XX/XX/2023. Company refuses to reverse.

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 monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I processed a transaction with XXXX XX/XX/XXXX in the amount of {$100.00} for a XXXX XXXX  XXXX  wig. After shipping and receiving the product the description did not match. I contacted the merchant directly for assistance to see if it could be resolved to no avail. At which point I opened a dispute with XXXX for return of product which they approved and advised that the seller would be responsible for return shipment label. I waited and waited for the label and nothing was sent. I attempted reaching out to the seller again to resolve the dispute and get a return label and they continuously attempted to give me a partial refund and refused to send a label due to expense. Without a label or return address I had no way of returning the product to finalize the dispute and get a refund. I reached out to XXXX  help center who advised me to contact my bank. 
I contacted my bank and advised that I bought an item and did not receive what i ordered. The claim was temporarily credited then rejected early XXXX. I reached out to regions to see what was needed to prove the validity of my claim and on XXXX XXXX I sent in all of the documentation of weeks of me trying to get a return label sent to me and showing the seller that i received a product that I did not order. After my documents were reviewed the claim was approved and closed. On XX/XX/XXXX I was sent a letter stating that the funds would be reversed because I received the product. My funds are not being protected and the seller is not complying with policy. I have spent months trying to get this resolved and would really appreciate some assistance.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I purchased this home in XXXX of XXXX. The original acquisition price was {$390000.00}. I took out a mortgage for {$370000.00} at 3.625 % for 360months. If you do the math, 78 % of that original purchase price is {$310000.00}. I have included in my complaint a screen shot from the Freedom Mortgage mobile app indicating the remaining balance of mortgage, currently {$310000.00}. I have also included a monthly statement. 
I contacted my servicer requesting the PMI to be removed from my payment. They told me I had to submit that request in writing. So, I did on XX/XX/XXXX. About a week later I received a letter in the mail from Freedom mortgage ( included ) stating that my loan is currently not eligible to have the PMI cancelled based on the original value of the home. I called on two occasions to speak to my servicer about their findings. All the four representatives I spoke to told me the only way this would be considered is to pay {$190.00} for a BPO to see if my value has appreciated enough to meet the criteria. 
I debated this with them ; stating I do not need to go off my current value, which I know is significantly higher than what I purchased the home for. They acknowledged that I have never been late on my mortgage and that my current balance is below 78 % of the original value. They could not explain why they were not permitted to remove the PMI. The last representative I spoke to explained that XXXX XXXX, the investor on my loan, changed their policy in XXXX stating that the new requirement to remove the PMI from a loan is now 75 %. 
I disputed this with them as I researched this on the CFPB website. I also asked them if the rule changed in XXXX, are they sure this is applied retroactively to loans closed prior to that date? They told me yes.

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 2024-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data, a debt collection company, called XX/XX/2024 to collect a final payment due for an apartment rental, opening case number XXXX. This payment had already been made to XXXX XXXX XXXXXXXX XXXX in XXXX, CA with a {$670.00} cashier 's check on XX/XX/2024. IQ Data said that this payment had not been received and requested payment of the principal plus interest totaling {$690.00}. Within an hour of the call, we sent IQ Data a photocopy of the paid cashier 's check and an email from XXXX XXXX proving the payment had been made. We also informed IQ Data that we had just called XXXX XXXX XXXX management who had indicated they had experienced an accounting problem and would inform IQ Data of their error. However, IQ Data did not confirm this with XXXX XXXX. 

IQ Data said their policy was to require payment of the claimed debt while they investigated, or they would file a negative credit report until the matter was resolved. As we already sent proof of payment and the confirmation that the rental payment was already paid, it did not seem appropriate to pay the debt again. So XXXXQ Data proceeded to file the negative credit report. 

It appears to be inappropriate to request additional payment when proof of payment has been already provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2024-04-24 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: CT

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  - XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate.

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 2024-04-24 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: TN

Complaint narrative:
I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of XXXX XXXX XXXX. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my XXXX, Equifax, or XXXX credit report if it is reporting.

Company response to consumer: Closed with explanation