vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am writing to formally dispute the charges associated with my student loan account, which was originally for {$11000.00} but is now showing a balance of {$16000.00}. Despite my efforts, no one has been able to locate this loan in their records, and I have been informed that the account is closed. 

Here are the details of my situation : Loan History : I took out this student loan through the XXXX XXXXXXXX XXXX as an alternative loan to finance my education. The loan was serviced by XXXX XXXX XXXX 

Communication with Loan Servicers : On XX/XX/year>, I contacted XXXX XXXX, who informed me that they have no record of my loan and show a XXXX balance in their system. 
I then reached out to XXXX XXXX, who indicated that the loan is supposedly in collections with Transworld Systems Inc. ( TSI ). However, when I contacted TSI, they informed me that the account had been closed by XXXX XXXX and is not currently active in their system. 
I have made several attempts to trace the location and status of this loan, but no one seems to have any record of it, and the account remains closed without any explanation. 
Discrepancy in Loan Balance : I am deeply concerned about the discrepancy in the loan balance, which has increased from the original {$11000.00} to {$16000.00}, despite the fact that no one can locate the loan or provide me with detailed records of how this balance was calculated. 
I request a thorough review of this account, including a full breakdown of all transactions, interest accruals, and any fees that have been applied. 
Request for Resolution : Please investigate this matter urgently and provide me with a clear explanation as to why this account is unlocatable in any records and why it remains closed. 
If the charges are found to be incorrect, I request that the balance be adjusted accordingly and that I be provided with a corrected statement and an explanation of any changes. 
If the loan can not be found or verified, I request that this erroneous balance be removed from my credit report and that you provide confirmation of the accounts status. 
I would appreciate a prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to GAAP practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. XXXX # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. Delete the XXXX inquiry # XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX inquiry # XXXX opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX opened XX/XX/XXXX ) .| Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX inquiry ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXXXXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX  inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX XXXX ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry ( # XXXX opened XX/XX/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 2024-08-20 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:
Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. Delete the THD/CBNA inquiry # xxxx, opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX XXXX XXXX ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ) .| Delete the XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the EXPERIAN XXXX XXXX inquiry XXXX XXXX  opened XX/XX/XXXX ). Delete the EXPERIAN XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry ( XXXX XXXX opened XX/XX/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 2024-08-20 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: Colony Brands, Inc.
State: IA

Complaint narrative:
The company is the Country Door. Back in 2017 I was contacted by phone call by Country Door that I was in default on my account because I owed {$60.00} ; it was 6 months past due. We had recently moved. I never received any forwarding mail and was never contacted by phone until this point. I immediately paid the {$60.00} and explained the situation. 

That was in XX/XX/2017 ; 7 years ago. My daughter recently applied for a student loan for XXXX XXXX with me as the co-signer. We were declined because of Country Door 's report on my credit report. I reached out and requested to speak to a supervisor ; I was not granted that. I was told they will not remove the report on my credit. 

They did send me a statement that my account has been at {$0.00} since XX/XX/2017 ; however, I need the reporting to change. I attempted the toll free number for this issue and still did not get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2024, I reported fraudulent charges to my checking account to Chase Bank. The bank said they would submit a claim and cancel my debit card. I advised the bank I needed to pay a bill using my debit card, and the bank advised me to first pay the bill and then dispute the fraudulent charges. I followed the bank 's instructions, paid the bill, and then disputed the fraudulent charges that triggered the bank to issue a new debit card. The bill payment was posted to my checking account on XX/XX/XXXX, and then Chase created a pending transaction in the same amount -- triggering my account to be overdrawn. I later learned the pending transaction ( in the same amount as the bill payment ) was triggered by Chase Bank, not the merchant to whom I made the payment because my debit card was reissued. Saturday, XX/XX/2024, visited the Chase branch at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and spoke with XXXX. Because the amounts are identical, with one transaction posted and the other pending, XXXX suggested disputing the posted payment. We submitted a claim while I was in the branch. XXXX also shared the claim would be processed and my funds would be returned by Tuesday, XX/XX/2024, and provided my with a printout of the XXXX transactions. The funds were not returned. I contacted XXXX customer service at XXXX and recounted the events that resulted in my account being overdrawn to XXXX. I asked that the dispute claim be completed and the funds returned to me. XXXX advised she could not do that and transferred me to XXXX. XXXX advised the dispute claim for the posted bill payment was not completed. I asked to speak to someone who could facilitate the return of my funds ( now held as a pending transaction for 3 business days ) and I was transferred to XXXX. XXXX explained the claim would not be processed because the merchant to whom I made the bill payment would be unpaid. XXXX also advised there was no clear timeframe for the pending transaction " to resolve '' and any timeframe he gave would be an estimate. It has been 5 calendar days and 3 business days since I raised this issue with the bank, and the funds have not been returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have been trying to work with each of the companies listed and they have been unwilling to respond or advise as to why they are reporting information that is false or Fraud on my credit report. I have sent them copies of all my ID and social security numbers and the police reports and the Identity theft report from the Federal Trade Commission and they still have not been removed for responding to my request. I am asking that you aid me in having them correct this information by removing and blocking the information from my credit report as stated in section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. 
I have also requested that they send me updated copies of my credit report and they have not done so. 

Not my Account XXXX XXXX ( this account is due to Identity Theft never my account ) Account XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Never late XXXXXXXX XXXX XXXX XXXXever late XXXX XXXX XXXX Not my account XXXX XXXX XXXX ( this account is due to Identity Theft never my account ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has a bankruptcy report attached to my credit history. They gave court phone # to call. I called and found out that there is another person with the same last 4 digits of my social security number with a different last name. I called Equifax and they said they would investigate. Upon investigating they insist they have the correct info. They gave another number to call XXXX XXXX ( XXXX ) and they confirmed that I do not have any XXXX court. They confirmed Equifax is using the wrong info. 
I am in the process to buy a home and I need a resolution as soon as possible. I am at risk to lose my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX Account Number : 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 2024-08-20 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: NJ

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: NJ

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-08-20 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: TN

Complaint narrative:
I do not recognise these credit inquiries, and I have asked for them to be removed. I have asked to remove them from the bureaus ; ; they did not do as I asked I am providing an identity theft report, and I am requesting that they be removed because they 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 non-monetary relief
Consumer complaint received 2024-08-20 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: NC

Complaint narrative:
I have no association with these inquiries or creditors

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a severe form of XXXX  in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.

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 2024-08-20 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 2. A personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
This loan is over 7 years old is was due to fall of my credit as on XX/XX/year>, it is still reflecting on all credit bureaus.

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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are not mines. I did not authorized these accounts. I am a victim of identity theft.

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