vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
Department of EducationXXXX XXXX , Santander Consumer USA , Inc. , and XXXX XXXX XXXXXXXX ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to XXXX XXXX XXXX I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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:
After reviewing my credit report I saw inquiries that are not mine on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had an account closed back in XXXX and a check for XXXX first sent to the wrong address. I waited 121 days and had a check reissued. Its now been many days past the issuance date and mailing date and I still have not received the check!! They told me I would again have to wait 121 days!! This is absolute nonsense and Im going to take this bank to small claims if I dont have a proper and final resolution this month!

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 2024-02-17 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: MO

Complaint narrative:
Transunion did not provide information on the investigation they with XXXX XXXX. Transunion verified the debt withou doing a an investigation. XXXX XXXX did not notify me of debt nor so I owe the debt. Transunion did not investigate it and it's been over 30 days and they can not provide the steps taking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have also tried to resolve an issue with XXXX XXXX XXXX who have consistently refused to notate payments for our car that we've made over the phone since 2019. Every time we make a payment they say they're going to notate it and actually give us a confirmation number but then we receive a late fee because they don't even bother to input our payment information and we have to call back multiple times to make sure that the payment has been sent to the bank. Our credit report has tanked because of XXXX XXXX 's incompetency has been contributing to my credit report decline when we have consistently made regular payments on time and it is entirely out of my control when XXXX XXXX XXXX employees are not doing their job and we pay the bill on time and are penalized by the credit union/companies and TransUnion or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: IL

Complaint narrative:
I had pre-paid for services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late summer XXXX. Prior to the first XXXX XXXX, a visa payment was made. Months later I received a small balance from the provider, for {$72.00}, for the same services. I had been questioning the balance, as it was a pre-pay service up front, and had been told the amount was on-hold by XXXX. Early XXXX I started receiving calls multiple times a day, and text messages from MBB ( Medical Business Bureau ) out of XXXX XXXX IL. https : //www.mbb.net/ Having understood the debt was being reviewed, I was surprised. MBB was calling regarding the same {$72.00} due XXXX. On XX/XX/XXXX I called XXXX and paid the balance in full. I emailed MBB informing them I was contacting the business to pay the balance that same day ( XXXX ). On XXXX I sent MBB a record of the payment receipt and instructed them not to call again. The debt is paid. 
As of today, XX/XX/XXXX, I am still receiving calls from this debt collector, regarding the same balance and file. I have a voice message from them of XX/XX/XXXX ( yesterday ) requesting payment, which is saved for reference. 
These harassing tactics, calling weeks past payment made, and demanding payment for the same balance, are annoying, unprofessional and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I saw inquiries that are not mine on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am being penalized and harass for making monthly mortgage pre-payments to XXXX XXXX XXXX XXXX XXXX which have sold to Shellpoint/Newrez with incorrect payment information. According to my XXXX XXXX XXXX XXXXXXXX, there's no penalty for pre-payments. XXXX XXXX XXXX, XXXX start receiving my pre-payments in XXXX. Those pre-payments ranged from 2-5 months in advanced. Newrez, LLC c/o Shellpoint Mortgage Servicing purchased the loan. They started servicing my loan on XX/XX/XXXX. By XX/XX/XXXX my twelve months mortgage pre-payments were made to XXXX XXXX XXXX XXXX XXXX XXXX These business dealings does not happen on a whim. XXXX XXXX XXXX, XXXX should have accrual my pre-payments, then apply to the correct month. All my ACH pre-payments and mortgage coupon slip indicted which month the pre-payment was for. I don't owe Newrez/Shellpoint any past due payments. The most recent correspondance from Shellpoint is attached along with my most recent reponses sent by certified mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Experian for a Fraudulent Charge off from XXXX XXXX, in less than 24 hours they came back with a denial of my dispute when I was able to prove through my payment history that I called in and paid off my account and XXXX kept my account open for 3 years without notifying me stating I owed one more payment then tried to get me with late fees and interest. on XX/XX/year> They provided me with the payoff amount and I gave them approval to pay it off and they took that amount from my account. Then they tried to tell me 3 years later I never paid it off. I requested telephone transcripts from XXXX which I know they have because they told me I was being recorded when I called in to pay off the account, but they refused to provide me with transcripts as requested. Experian did not investigation into this as i would have required someone to have read through these documents past XXXX on a Friday evening. This was not properly investigated and they just denied my dispute and there was no way they investigated this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please see attached documentation Ive dealt with pain and suffering from not being approved for many things because of these errors on my report. 
I do not consent to E-Oscar facilitating my report I need a human being researching my report there are ALOT OF ERRORS and with ANY ERRORS OR INACCURACIES COMES REMOVAL NOT UPDATE BUT REMOVAL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: SC

Complaint narrative:
Please see attached documentation Ive dealt with pain and suffering from not being approved for many things because of these errors on my report. 
I do not consent to E-Oscar facilitating my report I need a human being researching my report there are ALOT OF ERRORS and with ANY ERRORS OR INACCURACIES COMES REMOVAL NOT UPDATE BUT REMOVAL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited a cashiers check into my chase checking account via my local branch office. It is my impression that a cashiers check functions the same as having live cash on hand. The teller at the bank informs me that my deposit has been placed on an extended hold and that when I call into customer service that I will be able to have the hold released being that XXXX will be able to verify the funds. When I called in XX/XX/XXXX I was met with opposition. I was informed that XXXX has been having issues with XXXX and that even if they did call XXXX to verify the funds that XXXX would still not be able to release the hold/funds due to limited information being provided. I feel as though XXXX does not value me as a consumer or my business. As I told the representatives, if I decided to deposit XXXX into my account of cash, would you all place that on hold for review as well? I feel as though my integrity and financial literacy is being questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
My credit reports are still showing a late payment for my XXXX XXXX Credit Card, Acct # XXXX for the Month of XX/XX/year>. This is an error. I was never late! I am also disputing the fact that multiple items on my report is factually inaccurate across all three credit bureaus. For example : The Date Opened is not consistent across all bureaus. The High Credit is not consistent across all bureaus. The Credit Limit is not accurate across all bureaus. The Last Reported is not consistent across all bureaus. The Date Last Active is not consistent across all bureaus and finally the Date of Last Payment is not consistent across all bureaus. 
My rights according to the FCRA and 15 U.S.C Code 1681e is that all reported data in my credit file is to be 100 % accurate and verified. How can this much information be inconsistent when supposedly being reported by the same data furnisher?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: MO

Complaint narrative:
Jefferson Capital System has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXX XXXX who so called investigated and stated they will make the adjustments back in XXXXXXXX XXXX XXXX when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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:
Reviewed most recent credit report from TransUnion and I noticed inquires that did not belong to me. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I called this attorney 's office several times regarding two credit cards, XXXX and XXXX XXXX, I told them I have no job and I'm XXXX and live on Social Security and I am saving to file XXXX XXXX Bankruptcy. This has been almost a year, and every other month I get court documents of this attorney 's office trying to sue me. This has been ongoing, and CFPB is NOT protecting me against a predatory collection attorney. I owe 4 years on my car, and I rent a room from my ex husbands home. I have no money for legal, my social security barely pays my living expenses. I have a XXXX protected by the Americans with XXXX Act. I need them to stop HARRASSING me. 

XXXX XXXX XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: DE

Complaint narrative:
I disputed incorrect information on my credit report on XX/XX/2023. This information is still being reported and its inaccurate, even after providing proof of documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After applying for a mortgage i observed several inaccurate information on my credit file. I have written several letters requesting and investigation and that these inaccuracies be fix or removed. 
I continue to get the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: SD

Complaint narrative:
collection agency ( XXXX XXXX ) violated Cease and desist notice on an account housed within their firm, through Email communication after informing via email of a 2nd account allegedly owed by me ( which was already addressed in court )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2024, I contacted XXXX XXXX XXXX regarding the charge off credit card for {$5900.00}. I was informed that my account was closed and they will not conduct an investigation to validate my request. When I pulled my Transunion credit report, I noticed that the account is reporting as open. As per the Fair Debt Collection Practices Act, the account with the incorrect status should be removed according to The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Billing Act ( FCBA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: GA

Complaint narrative:
This company is in clear violation of my consumer rights and deceptive practices. Upon any disputes sent, they fail to correct the data being reported. Which are inaccurate misleading statements along with a violation of privacy and a data breach I was never compensated for. I would like the CFPB to demand payment and force them to remove any inaccurate data immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, My information was sold and bough illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.

Company response to consumer: Closed with non-monetary relief