vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am filing this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My husband lost my credit card almost a month ago. Someone reported it lost. Citi called me to let me know theyre closing the account and reissuing a new card. A few weeks go by, and nothing. Then last week, I called to follow-up about the card not being mailed and they told me my new account was permanently closed by requesting. I reached out to the supervisor on duty that day with Citi, and they said they will give a redetermination. A few more days went by, I called to check the status, and they said it was denied. They submitted another one that is currently pending as of today. This whole ordeal is highly inconvenient, since its apart of my protection as a consumer to have my account protected by the company deactivating my old card and issuing a new one, now I am without a credit line because they refuse to reopen this. I think its a violation of their own terms, and an unfair decision to close my account when I have done NOTHING wrong. I have perfect credit payment history, and to be punished for losing my card is really upsetting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The account is paid in full and is still being reported as past due and late and caused a major dropped on my credit reports. As well as my address and job info needs to be updated corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: OH

Complaint narrative:
I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.

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 2024-03-28 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 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 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I have a recently closed complaint regarding this issue. I have been working with XXXX XXXX at XXXX XXXX. She was helpful at first but now after many calls/emails I can not get in touch with her. My modification paperwork has taken over 2 months because of errors not caused by me. I owe 3 months of payments and I am trying to get financial assistance from XXXX. I explained to XXXX in XXXX I needed to show 3 months delinquent but my statement is showing XXXX due ( I was denied assistance because of this ) XXXX  wanted to speak with XXXX to confirm but not being available they denied me. Now finally my modification was processed on XX/XX/year>, I paid XXXX payment. Although my statement from XXXX is still showing XXXX due & I can't apply for XXXX  again until my statement shows the correct amount of 3 months past due. This will not happen until my XX/XX/XXXX statement and I am requesting a letter or escalating a statement showing the new amounts. I have called & emailed XXXX XXXX over the past 2 days with no response. I just called XXXX XXXX and was advised they can't provide this information to me. I am trying to get help and make my mortgage current. This is so frustrating

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 2024-03-28 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: CL Holdings LLC
State: AL

Complaint narrative:
My private information was shared and falsely hit my credit report. XXXX XXXX has no contract with me and hit my credit report negatively. It is my belief that under code 15 usc1681 sections 602 and 604 15 usc 1681.c ( a ) ( 5 ) and 15 usc 1681s- ( a ) ( 1 ) my right to privacy has also been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I am not liable for this debt of {$250.00} with CREDIT CORP SOLUTIONS. I do not have a contract with Credit Corp Solutions and was not provided the original contract with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
During in XXXX XXXX XXXXXXXX, I requested {$5000.00} to be refunded to me as part of the COVID cares act, my current servicer at the time.

This charge was then applied back to my loans but I never received a refund check. 

I am now paying extra interest on these payments but have not received my refund. 

Ed Financial also slow-played the refund request and said it was submitted but when I called XXXX later in XXXX of XXXX, they it had not processed. 

After years of following up, the loan servicer continues to say that it is not in their hand and that the department of education handles this. 

After talking with the department of education, they said that it is the loan servicer that should make this distribution. 

I feel that Ed financial is withholding student loan refunds so that they can continue to profit without having to pay me back in a timely manner. This is highly unethical and it is likely happening to other people in repayment as well. 

I also found that my autopay had been going to loans that were paid off, which was accruing a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: NV

Complaint narrative:
My Only name and address is what's provided on this complaint. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: CT

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.

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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit 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 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove hard inquries 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 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 2024-03-28 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am not liable for this debt of {$260.00} with CREDIT CONTROL SERVICE. I do not have a contract with Credit Control Service and was not provided the original contract with my wet signature and ID verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
UCC filing number indicates this account has been liened by the Registered Owner and Capital one has not performed taxation to complete the transaction but are fraudulently reporting and fraudulently reporting taxes with billing errors. A filed 1099 A was accepted by IRS yet Capital One is still committing fraud by usage and abuse and debtor name filed under UCC. If CFPB XXXX XXXX continues to neglect this matter a XXXX, XXXX and XXXX will be filed for security fraud, conspiracy to commit security fraud, and every other violation on our Private Fee Schedule under UCC, FCRA, Equity Law and Trust law for extortion of our property and for any deprivation or anguish suffered by our beneficiaries and/Trustees due to the misconduct and criminal behavior. XXXX XXXX has been sent several remedies as well as warnings and persist on committing fraud by using, trading, and extorting the debtor name on the account as well as the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
I have been experiencing Identity Theft since XX/XX/XXXX. XXXX has placed a Fraudulent Credit Inquiry on my Transunion Credit File. This was placed on my file on XX/XX/XXXX. XXXX is very well aware of this and has notified me that it will be removed. However it remains on my Credit File. Enough time has passed and it lowers my Credit Score.

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 2024-03-28 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: EQUIFAX, 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 studying 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 inquiries : XXXX XXXX Date of inquiry : XXXX XXXX || Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX  || Date of inquiry : XX/XX/scrub>XXXX XXXX || Date of inquiry : XX/XX/scrub>XXXX XXXX || Date of inquiry : XX/XX/scrub>XXXX XXXX || Date of inquiry XXXX XXXX XXXXI || Date of inquiry : XX/XX/scrub>XXXX XXXX  || Date of inquiry XXXX XXXX XXXX || Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hi I just received the responses from US Bank to my third complaint filed on this matter. I have sent this in my feedback but I have to open another complaint as US Bank didn't address all my questions. And also I can not keep waiting as this investigation has taken over a year, which is insane. So I just wanted to let US Bank know that I will unfortunately have to sue US Bank if they still aren't able to return my funds including loss accrued interest in the next month or so. 


Please find my responses below as well : XXXX. The letter says the investigation can take up to a year. The investigation on this matter has taken over a year. So it has past the 1 year timeframe US bank stated in the letter ; XXXX. Similarly, US Bank kept saying the process can take up to 90 business days to complete. It has been over a year ; XXXX. Based on the response my lawyer received from the XXXX XXXX, they actually responded to US bank in XX/XX/XXXX ( not XX/XX/XXXX ) and denied to return the funds. And the reason for their denial was because US bank didn't notify them within the 30 day window. In the letter, US Bank agreed that if XXXX XXXX is unable to return the funds, they will reissue me the check. 
XXXX. I am requesting not only the {$1500.00} to be returned to me, but also the lost accrued interest. And US bank didn't address that in their response ; XXXX. This case has been long over due ( first found out the check was stolen in XX/XX/XXXX and notified US Bank immediately ). Again it was US bank 's responsibility for not being able to notify XXXX XXXX on time. Please return my money. US bank should try to recover the funds from XXXX XXXX but I should no longer be part of this process. 
XXXX. Please also respond to my lawyer 's demand letter. We will unfortunately have to sue US bank if we don't get the funds back in the next month or so.

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