vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: AL

Complaint narrative:
XXXX was selling off their XXXX  loanss to XXXX. They said we had loanss 60 days past due and we received nothing about these loans and when we called in they said they were in Forbearance. We were given the wrong information and nothing in writting. When we foundd out it may affect our credit score we paid everything in full over {$9000.00}. They said we would still be given a ding on our credit score. I have been XXXX XXXX for 35 years with perfect credit and now as a co signer my credit is ruined for 7 years. XXXX will not work with us even with a XXXX balance.

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 2025-01-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as 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 2025-01-06 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: MOHELA
State: CA

Complaint narrative:
A check for the amount of {$6200.00} was cut by XXXX XXXX XXXX and mailed to Mohela student loan servicer on XX/XX/24. The check was cashed by Mohela on XX/XX/24. Student loan account number is was suppose to be applied to is XXXX. 

However to date, the payment has still not be applied to my account and they are still requiring my monthly payment amount. 
Myself and XXXX XXXX company have spent hours on hold trying to get a hold of someone. We have repeatedly sent proof of payment and that the funds were cashed by them. No one gives us answers and no one at Mohela can find where the funds went.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: FL

Complaint narrative:
I have been using the merchant services for my company XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) with XXXX parent company of XXXX. 
Sadly on XX/XX/year> my XXXX  login credentials got hacked and someone entered my XXXX account online and entered a XXXX  XXXX XXXX Account, created a new customer, and charged an XXXX XXXX card {$49000.00} this amount was deposit on the bank account entered by fraud from XXXX  XXXX XXXX which is not my account. I personally called XXXX  on XX/XX/year> while this transaction was pending and they could have stop it now when I reported, XXXX instead closed my merchant account and charged me to my bank account the transaction fees {$3000.00} quickbooks will not return the fees charged to XXXX for the transaction that was not done by any XXXX staff. 
Another transaction of {$9300.00} was fraudulent process through my XXXX  accounts on the next day XX/XX/year> Multiples calls has been done for over the days in XXXX to XXXX and the only outcome is that the account has been reestablish as well as the merchant services, but they had decided not to refund the charges fees that was erroneously charged to XXXX bank account. 

Now, A chargeback has been made by XXXX XXXX customer who was charged {$49000.00}, XXXX wants to charge me this fraudulent amount and denies investigating about the XXXX  XXXX XXXX account who was the one who received this money not XXXX. In addition, the {$9300.00} has also been claimed by the customer and XXXX is charging XXXX for this for a total of {$58000.00}. 
All money received through the merchant services account of XXXX will be me directed to XXXX due to the amount that XXXX says it is owed by XXXX. XXXX mentions that now XXXX handles the charge back and unfortunately, XXXX turns out to owe {$58000.00}.

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 2025-01-06 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX I OWE NO DEBIT AND I REFUSE TO PAY, NEVER DID BUSINESS WITH XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My mom opened and Credit card through XXXX  XXXX and used it and then didn't oayy the bill and now it's on my credit report. This is not my credit card and I have no knowledge of it being opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally address the ongoing issues with my account regarding a fraudulent withdrawal of {$61000.00} on XX/XX/year>, at a Chase Bank branch in XXXX. Despite repeated attempts to resolve this matter, Chase has continuously denied my claims, even though I had absolutely no involvement in this unauthorized transaction. 

Initially, I reported the issue to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  in XXXX, where I spoke with the branch manager, XXXX, and a supervisor on duty. The supervisor confirmed that the signatures on the transaction did not match and acknowledged it was clearly a case of fraud. I was advised to file a police report, which I promptly attempted to do. 

The process of obtaining the police report became unnecessarily lengthy, requiring me to go between precincts and eventually submit paperwork to XXXX XXXX XXXXXXXX. During this time, Chase prematurely closed my case, falsely stating that I had approved the withdrawal via text message. This is completely untrue, as I never received such a message. A Chase representative even confirmed this during our discussions. 

Once I finally obtained the police report, I returned to the XXXX branch to work directly with XXXX, who agreed that I was not at fault and attempted to reopen the dispute. Recently, I submitted the police report with the required seal, only to be told that Chase has finalized its decision against me. I even received an email accusing me of authorizing the withdrawal myselfa baseless and deeply offensive accusation. 

Chases stance on this matter has been inconsistent and evasive. Initially, I was told the funds were withdrawn at a branch, then that the money was electronically wired, and now the claim is that it was withdrawn again. Furthermore, I have repeatedly asked for proof of the individual who committed this theft, such as a photograph or documentation, but Chase has failed to provide this information. This lack of transparency and accountability leads me to feel that Chase is actively denying my rightful claim and refusing to return my stolen money. 

This situation has caused me significant stress and has negatively impacted my health. As someone who already suffers XXXX XXXX  XXXX XXXX and a XXXX XXXX requiring a XXXX, the emotional toll has been devastating. 

I am requesting that Chase review this matter thoroughly and take immediate steps to resolve it fairly. The banks mishandling of this situation is unacceptable, and I will not rest until justice is served. 

I trust that this letter will prompt Chase to take the appropriate actions to address my concerns. Please contact me directly at ( XXXX ) XXXX or XXXX should you require further details or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Called to company XXXX times to have XXXX send to since they have written off the account. I was hung up on all thre times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I have a checking account with SoFi Bank. Last year, on XX/XX/24, I deposited a check for {$140.00} into my XXXX checking account. For some unknown reason this check caused my XXXX checking account to get restricted and XXXX has held the funds from that check for close to a year now. I have requested the funds multiple times. The check cleared without issue, the writer of the check made no claims and the bank the check was written on has confirmed in writing that they paid the check. I believe at this point XXXX has stolen my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. 


CFPB RESOLUTION : What would be a fair resolution to this issue? ( demand for relief ) : I demand the credit reporting agency do what is fair and equitable and remove the following accounts based on federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TN

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

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 2025-01-06 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: CA

Complaint narrative:
The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX that affects every aspect of my daily life. The XXXX impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.

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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: MI

Complaint narrative:
This is a timeshare. I went to a seminar with my now ex-boyfriend. I did not qualify at all when we applied, not with credit or income, but my ex, XXXX XXXX did. XXXX was on this account solely to my understanding. But they added me to be able to call and set up vacations. I did not accept responsibility for this loan when we signed up for this because we were not married. it explicitly was stated to the people at the time share that I did NOT want to be on this with him, so they gave me this round about position to be able to make reservations, which I agreed to. 
Not too long after signing up for this, XXXX and I broke up. He apparently stopped paying on this and XXXX started to call me because they couldn't reach XXXX. 
Again, they were not trying to collect a debt from me, they wouldn't even give me access to to the account, I couldn't ask any questions about anything, balance, status, nothing. I couldn't even get the account number. 
I attempted to get ahold of XXXX and he didn't respond to me either. this was about 6 months ago. 
As of today, XXXX placed this account into collections with Pinnacle- and it is on my credit report for over {$50000.00} of collections. I am furious. I never even had access to this account and I was never even supposed to be on anything. I stated this so much. I tried to call XXXX and Pinnacle today and XXXX wouldn't give me any information and Pinnacle said I owe these money.

I don't even understand how this could happen. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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 ask that you treat this complaint with the seriousness it deserves. My credit report includes mixed and inaccurate information, such as accounts, transactions, and items that are not mine and with which I have no association. This issue is deeply troubling and has caused me significant stress and anxiety, as it directly impacts my financial stability and personal peace of mind.

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 2025-01-06 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: TX

Complaint narrative:
Back in XXXX, I was affected by a XXXX data breach settlement and my identity was presumed to be stolen. According to Consumer Law 605B, if there are any items that are proven to be fraud, it must be deleted 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 explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I sent in my proof of insurance in XXXX of XXXX for my new insurer and the premium to be paid from my escrow account with Mr. Cooper. They did NOT pay the premium in time and the policy was canceled. I had to have the insurer re-underwrite the policy and it caused an increase of the premium. My agent and I both sent this new information in XXXX and Mr Cooper still did not update the records and in XXXX of XXXX force placed insurance, which the premium was over $ XXXX causing an increase in my mortgage payment of {$1500.00}. For the month of XXXX I worked daily to get this resolved and still as of XX/XX/XXXX Mr Cooper still has not updated my insurance information nor have to reduced my payment.

Company response to consumer: Closed with explanation