vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: TX

Complaint narrative:
Subject : Formal Dispute Regarding Incorrect Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, the address listed on my credit report is erroneous. The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX  TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Tx XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX This address is not associated with me or my credit history. I have never resided or conducted any financial transactions from this location. My correct and current address is : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I have already contacted the credit reporting agencies to rectify this error, but I am seeking your assistance in ensuring that this matter is resolved promptly. The inaccurate information could potentially adversely impact my creditworthiness and cause confusion in any financial transactions I may initiate.

Enclosed with this letter are copies of my identification documents ( e.g., drivers license, utility bill ) and a copy of my credit report with the erroneous address highlighted for your reference.

I kindly request that the CFPB initiate the necessary investigation and resolution of this error. Please provide me with an update on the actions taken to address this matter.

Thank you for your prompt attention to this matter. I eagerly anticipate your response and the timely resolution of this issue.

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 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: MI

Complaint narrative:
did not receive anything from original creditor just a notice from the collection agency aargon agency no chance to make the debt right I sent multiple letters to aargon agency asking for validation of debt with no response it has been more than 30 calendar days and I am still getting phone calls multiple times during the week.

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 2024-08-24 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: IA

Complaint narrative:
XXXX ( Hotel and travel ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year> )XX/XX/XXXXXXXX XXXX XXXX ( XX/XX/year> ) XX/XX/XXXX # XXXX XXXX XX/XX/XXXX( Hotel and travel ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX )XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/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 2024-08-24 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: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX ( Hotel and travel ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/2024XX/XX/XXXXXXXX XXXX ( XX/XX/2024 ) XX/XX/XXXX( Hotel and travel ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion initially verified my new account. But it now says invalid information. Runaround with numerous telephone numbers, forms, etc. Unable to process password changes.

It appears this company is unable to fulfill its stated mission of freezing accounts after huge data breach of ss numbers. Deliberately being obtuse.

This appears to be an going problem the company has. Federal government must step in and force changes to TU 's practises.

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 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX our loan was transferred from XXXX XXXX to PNC. We contacted XXXX XXXX and XXXX XXXX XXXX and XXXX in XXXX, ( which is our insurance broker ) and asked if PNC should be aware of the fact that we needed to have fire insurance for our property and all parties confirmed that we need fire insurance and that PNC had been contacted about our plan. This plan has been active for six years with automatic renewal and compounded into our mortgage. On XX/XX/XXXX PNC issued an electronic check for XXXX XXXX XXXX which XXXX XXXX ( a PNC client relations employee ) said they didnt know about prior to that day. After performing an escrow analysis, PNC is now saying that they didnt know about the XXXX XXXX XXXX so its not wrapped into our mortgage. Our mortgage has now increased from {$1000.00} to {$1400.00}. We contacted XXXX XXXX and requested all documentation when our loan was originally transferred and theyve failed to provide that. We have all records showing that PNC was notified on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the XXXX XXXX XXXX. PNC also failed to make a payment for Home dwelling insurance with XXXX in XX/XX/XXXX we received a notice in XX/XX/XXXX stating that PNC was going to acquire their own premium for the home dwelling hazard insurance at a more expensive rate. I personally had our policy reinstated with XXXX ( with the help of XXXX and XXXX insurance broker ) on XX/XX/XXXX without the help of PNC. Then PNC sent us a notice on XX/XX/XXXX that we now have insurance with XXXX XXXX XXXX and can drop our mercury insurance which is false. We need to have both insurance policies on our mortgage because its required. We have made our monthly payments on time however theyre charging us late fees and saying that we have not made payments even though they have deposited them. We sent extra funds to be used for principal reduction and they use that money for escrow, when we had a note in the memo of a money order that it was specifically for principal production. 

PNC has failed to communicate, provide documents and is trying to have us pay for our fire insurance twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Experian for years about reporting inaccurate information on my credit report to no avail they are reporting lies on my name and hurting my personal life

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 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I request information from XXXX XXXX. I requested XXXX a List of all payments, XXXX. Validation of debt, XXXX. License to collect in my state, XXXX. Chain of custody of alleged debt. This is a violation of the privacy act as wellXXXX XXXX XXXX- They failed to provide all the requested information. Delete this collection off my credit report! As, they sued without my knowledge also. I have not received any of the requested validation its been well over 30 days. CFPB XXXX do not close this out without verifying this debt. Its against the law! I would like all these request documentation from XXXX XXXX. Please Send updated credit report with deleted collections from XXXX XXXX. Please delete this off my credit report immediately.

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
So I try to use my credit card that was below my limit and got decline. So I call Citi bank and got verify. After that they remove the hold on my account and was told I could make the purchase so when I try to make the purchase, it got decline again. So I call Citi bank again and they wanted to verify me again but this time with a mail that suppose to take days. The item I am trying to buy, is on for a limited time and buy the time I get so call mail it be gone. It just very frustrating that I cant use my card that was intended.

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 2024-08-24 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: AR

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have old credit card debt that has been re-aged. 2 accounts with XXXX XXXX, 1 with Midland Funding, and 2 with XXXX XXXX. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have old credit card debt that has been re-aged. 2 accounts with XXXX XXXX, 1 with XXXX XXXX, and 2 with Jefferson Capital. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANKMOBILE TECHNOLOGIES, INC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a division of Customers Bank ) discloses its account holders personal private information to third parties without obtaining a customer consent. 

XXXX XXXX prints customers residential address ( as opposed to customer 's mailing address ) on the Bill Payment checks that it send on customers behalf to third parties. 

Some customers keep their personal non-mailing addresses private and expressed concerns to the company about disclosing their private personal information to a wide range of third parties. 

When customers contact XXXX XXXX regarding the issue, the bank responds that " physical address must be printed on the checks or bill payment checks '' without providing any details on where this requirement comes from and whether that requirement is disclosed to customers in the Bank 's terms and conditions.

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 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Respected Officials, I owe debt on my credit cards and had signed up for financial relief. However, due to financial situation and legal problems I am facing XXXX and XXXX, I am unable to make a minimum payment due. So I signed up for debt managment plan and they communicated with me that they are negotiating with credit card companies. Bank of America has sent an email with increased balance after proposal was sent. I request them to consider my debt management proposal and give some more time to start making payments according to the proposed plan. Thanks 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 2024-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I dont have all the dates, but from around XX/XX/year> I started working with MOHELA XXXX qualify theXX/XX/XXXXXXXX XXXX XXXX I called multiple times ( check recordings ) and was told to qualify I needed to consolidate my loans and apply for XXXX XX/XX/XXXX. I was hesitant to consolidate my XXXX because my existing loan interest rates were lower and I had them at those rates for over 10 years. Hesitantly, on a wing and a prayer, I consolidated. Now my interest rate is higher, no loan forgiveness, available from XXXX and XXXX feel completely duped, scammed and will have an even longer time to pay it off forever until I die. XXXX XXXX. This is devastating. Doesnt the PAVE contract I signed count for anything? There is information in the fine print that talks about loan forgiveness and how it will be applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: PA

Complaint narrative:
Subject : Pre-Arbitration Dispute of Inaccurate Reporting and Statute of Limitations Violation Dear Discover Bank, I am writing to formally dispute inaccuracies in the reporting of my account and to address a violation of the statute of limitations. The details of the account are as follows please also review proof of the reporting : Account Name/Number : Discover Bank Reported Balance : {$5600.00} Opened Date : XX/XX/year>2007 Statute of Limitations Violation : The statute of limitations for reporting this debt has expired, as the account was opened in XX/XX/year>2007. Recent reports have included payments that were not made, seemingly to reset the statute of limitations period. 
Inaccurate Reporting : The reported payments are inaccurate. The account should reflect its true status, without fabricated payment history. 

I request the immediate removal of this account from my credit report due to inaccuracies and violations of the statute of limitations. 


Compensation : Due to the violations and inaccuracies, I am entitled to {$1000.00} in damages. Please provide compensation for the inconvenience and harm caused by these inaccuracies. 

Please advise whether you are willing to resolve this matter through arbitration, as provided in the cardholder agreement. If not, I expect a resolution within 30 days from the date of this letter. If these issues are not addressed within the specified time frame, I will consider initiating arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted an FTC report to Equifax informing them that inaccurate inquiries were reporting on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following immediately : 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 2024-08-24 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: FL

Complaint narrative:
This letter serves as a formal and urgent demand for TransUnion to immediately block and remove fraudulent and inaccurate information from my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are legally obligated to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts that need to be removed include : 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 XXXXXX/XX/XXXX ) These accounts were not opened, authorized, or initiated by me. They are the direct result of identity theft and fraud, and their presence on my credit report is causing significant harm and damages. I have attached a list of these fraudulent accounts as well as a copy of my consumer XXXX credit report, which clearly shows these inaccuracies. 

Furthermore, I have attached a copy of my FTC Identity Theft Complaint ( No. XXXX ), which serves as irrefutable proof that these accounts are fraudulent. Additionally, these accounts have already been **removed and deleted** from other credit reporting agencies, yet they continue to be inaccurately reported by TransUnion, XXXXg ongoing harm to my credit standing.

Your failure to properly validate the information provided by these companies is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I demand that all of these fraudulent accounts be removed from my consumer credit report **immediately**.

You are hereby instructed to delete these accounts without further delay and provide me with a corrected consumer credit report. Should you fail to comply, I will not hesitate to take legal action against TransUnion under 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) for the harm and injury caused by your negligence.

This is your final warning. I expect full compliance with my demands and prompt resolution of this matter. Any further delay will result in immediate legal action.

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 2024-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I opened an account with Gemini a few months ago to buy crypto. I funded the account with my bank via electronic transfer. I transfered about {$14000.00} in total into XXXX. When I went to withdraw the funds to my wallet, they denied the transaction and consistently delayed and misdirected, requesting ridiculous additional ID verification, questions, etc. I soon realized they were just delaying and had refused to allow me access to my money, effectively stealing it. My correspondence with them is under Ticket ID : XXXX in their system, however they refuse to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Selene Holdings LLC
State: KS

Complaint narrative:
Selene Finance LP sent check # XXXX to XXXX XXXX in the amount of {$1800.00}. Which we received on XXXX XXXX. The check was dated XXXX XXXX, it was issued because of a short year escrow after we sold XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( my father ) has been deceased three years now. I called Selene finance on XX/XX/year> to find out what we needed to have the check re-issued to a heir of XXXX. On XXXX XXXX, we emailed Selene Finance LP my sisters driver license, dad 's death certificate, mailing address, probate documents for dad 's estate, and a quick claim deed for the house. Then I called Selene XXXX XXXX, they told me that XXXX would have to call them since the check would be issued in her name. XXXX has called them numerous times. On XXXX XXXX. Selene Finance LP sent XXXX documents about making mortgage payments for a house that has been sold. Then they wanted her to fill out a w-9 form for taxes. XXXX sent them by email on the XXXX. The called Selene Finance on XXXX XXXX to find out when they are going to mail the check because they told her that they needed to find out if the check had been cashed. They have gave all kinds of excuses why the check has not been sent. Selene Finance LP said they sent the check XXXX XXXX. XXXX has not received the check yet

Company response to consumer: Closed with explanation