vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-02 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: NY

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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 recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I logged into my XXXX account and noticed a debt collection account for {$520.00} for XXXX XXXX XXXX ( which I have never been a customer of ) They verified the account holder has the same name as me but with an " XXXX '' as a middle initial ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to which they then asked if I knew the phone number and email associated with the account. I have never seen/heard of them. They stated the account was opened in XXXX of 2019 and was active for about 2 years.

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 2023-11-02 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: PR

Complaint narrative:
I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in Experian, XXXX and XXXX. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.

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 2023-11-02 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I moved into XXXX XXXX  on XX/XX/XXXX and put up a security deposit of {$150.00}. When I moved out on XX/XX/XXXX for which my lease was up XX/XX/XXXX I gave them a 60 days written notice. The lady with a XXXX XXXX tattoo told me I could stay until the XXXX of XXXX of XXXX. She told I could pay a prorated rent of {$600.00} and I did. XXXX took the notice, but she moved to corporate which is XXXX XXXX. The address for that apartment was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX and I got my keys off the door the morning of XX/XX/XXXX. I moved into my new apartment on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. When I moved out the lady with the XXXX bird tattoo told me to come back for the security deposit. She was busy the next time. Then after that there were XXXX more new ladys and they told me to call a lady and they were charging me for that whole month and I explained what had happened and they told me they took it off. Well, I called the number and no one answered ever and the voicemail was full, but I left messages. I sent emails to managers whom never got back to me and I talk to XXXX like a couple of months ago and she never got back to me. I called XXXX after they had put it on my credit and the told me they took the first months water bill out of the deposit and keeping the rest for rent from XX/XX/XXXX, XXXX XX/XX/XXXX and I was living in my new apartment then. Before that call they were saying I owed water, electricity, trash, when all that was included in the rent at that time for the prorated rate. If I owed for the first months water then they should have talked to me about and billed me before taking it out of my security deposit. I do not owe for living there after XX/XX/XXXX, that is identity theft and fraud them charging me rent and taking my security deposit like that. The water is not even that much from XX/XX/XXXX to the end of that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for the SAVE plan for my federal medical school loans back in XXXX. On my Nelnet account, it says that they received this information on XX/XX/2023, however it is 2 months later and it still says that my IDR payment plan is still processing. I have contacted them numerous times to get an update on my situation, but all they say is that there is a backlog and they will send me updates every 10 days, which they have failed to do. This has cost me over {$2000.00} in interest so far that would have been nullified if they had processed my application and put me on the SAVE plan in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX . They have violated my rights. 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 2023-11-02 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
This is the second time cash app has took money out of my account and try to cover up their malicious activity. On XXXX XXXX MST and XXXX XXXX MST money was removed from my account balance first XXXX dollars was removed, then XXXX dollars was removed. When I searched my transactions for XX/XX/XXXX it was no record of any transactions that had been made in my transactions history. So I contacted cash app support. Like before customer service sends me in a circle of the same questions instead of an end resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Account has been paid off since XX/XX/2023 and credit report still shows an existing balance. They also havent reported to the credit bureau in XXXX days regarding my accounts status. Please update showing paid in full and/or closed.

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 2023-11-02 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: SC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : CONSUMER COMPLAINT XXXX XXXX XXXX, and subsidiaries, Acct No. XXXX THE PEOPLE v. SANTNDER, CONSUMER USA ; ruling in favor of the Plaintiff ; Santander lost the class action suit and is non-compliant to federal court settlement as follows : MONETARY RELIEF 10. XXXX shall provide additional Consumer relief as follows : ( l ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding XXXX balance for all Consumers who had a loss forecasting score of XXXX or less and. as of XX/XX/XXXX. XXXX have Defaulted but have not had their vehicle repossessed and ( XXXX ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of XXXX or less who defaults in the future. 
XXXX. XXXX shall provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief Per12 CFR 1022 " Fair Credit Reporting ( Regulation V ), I have provided copy of the settlement and court rulling to demonstrate to Experian may no longer allow XXXX to file negative reports on my credit report. XXXX was mandatd by federal court to : ( XXXX ) waive 100 % of the total debt ; ( XXXX ) Discontinue reports to Experian, XXXX, and XXXX XXXX XXXX XXXX ( CRAs ) ; ( XXXX ) Provide title to the car. 

I have submitted a dispute and copy of settlement with the CRA 's to discontinue negative reports on my credit. Experian has refused to discontinue unfair and inaccurate infomation and would not provide written exlpanation.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on XXXX they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Debt I have no knowledge of never had an account with astound ever

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
on XX/XX/2023 I remitted my payment for the account balance. before I was able to do perform this action I received notice of account closure. I just opened this account and was not able to perform the task of transferring the interest. instructions were sent certified mail XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX exactly at XXXX I was basically forced to withdraw XXXX $ out of my account even though I only had about XXXX XXXX a masked guy approached me next to the atm and told me that he needed help to get his money, he told me about 3 times I dont mean no harm to you I just need to get my money, as soon as I heard those words I got scared because he was masked and I didnt know wether he was armed or not, I did as he instructed me and acceded my atm using XXXX XXXX, he processed to insert a paper into the atm ( at that time I had no idea what it was ) he clicked no print and told me, now go ahead and withdraw it, so I did, handed him the money and he left, I called chase and they told me to wait for the unknown paper to clear because until it clears they cant tell me what it, since I needed that to file a police report I waited for it to clear, about XXXX days later it cleared and they told me it was a money order and I proceeded to filed a police report, also went ahead and filed a report with XXXX, they temporarily credited my account to get it back to positive since it was negative XXXX, just 2 days after filing the report they closed the case and told me the transaction was authorized, I asked how can a robbery be authorized? Their answer was that I needed to resolve it with the police and theres nothing they could do even though I was robbed at XXXX of their atms, the police is still investigating the matter and has not yet informed me if they catch the guy or not so XXXX assuming not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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:
A collection company contacted me illegally regarding this account, The original creditor place this on my consumer report without my written consent. 15USC 1681 section 602 a state that I have a right to privacy. 15usc1681 section 604a section 2 states that consumer reporting agencies can not furnish a account without my written consent/ written instructions.

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 2023-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
I received a letter from Phoenix Financial Services on XX/XX/XXXX. I had the option to dispute the debt within 30 days. The letter stated " Date of Service XX/XX/XXXX you owe {$1000.00} '' On the bottom of the letter wrote " This disclosure applies to the account noted with ( * ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor can not sue you for it. In many circumstances, you can renew the debt & start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt '' I sent in the form disputing all of the debt in the 30 days. Phoenix sent back a letter on XX/XX/XXXX and thanked me for my inquiry and wrote : " This communication is from a debt collector '' " Enclosed billing statement provided by our client XXXX XXXX XXXX that confirms the accuracy of the information listed on the account. Should you have any questions regarding this account, contact the number below, and this closes the inquiry in our office. '' XXXX is the only CRA that shows a collection from Phoenix and now shows an account past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX. 

Prior to this current letter, I had been contacted by Phoenix back on XX/XX/XXXX. My XXXX statement shows three payments, one for {$210.00}, {$240.00}, and {$5.00}, and I never received the validity or accuracy of the purported debt. I hope the CFPB can make sense of this so I can find the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TN

Complaint narrative:
I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX. Our mortgage lender has been holding {$1800.00} monthly for escrow since XX/XX/2023, when our actual taxes are {$800.00} bi-annually. We notified them that their computation is wrong as it was an annual estimate from the loan processor who originated the loan but they have refused to adjust siting that they only adjust one annually which means we have to wait 12 months for them to correct the mistake. 

XXXX. They are violating RESPA, regulations which places a limit of XXXX XXXX of the annual amount. 

XXXX. They are causing in-due hardship on us even though we have told them of their mistake, they still refuse to assist their own customer. 

XXXX. I can provide all the necessary documents as proof.

Company response to consumer: Closed with explanation