vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
there are inquiries that I don't recognize on my credit report that I would like for them to be removed.

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 2023-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I made payments to XXXX and Mohela during the pandemic student loan payment pause period which totaled over {$3000.00}. By my calculation, the total is 9 payments of {$170.00} and 2 payments of {$220.00} made to XXXX, followed by one payment of {$220.00} to Mohela after they acquired my account from XXXX in mid 2022. I am attempting to get all 12 payments refunded to me under the COVID-related ruling that allows refunds of unneccessary payments made during the pandemic. 

In XX/XX/2022, I called Mohela and requested all 12 payments be refunded to me. I was informed that the refund was being processed and would take about 30 days. 

By XX/XX/XXXX I had not received the refund, so I called Mohela again. They informed me that a check was in the mail to me, and later that day I received one payment of {$220.00} refunded to my bank account automatically. They informed me during that same phone call that the refund of the remaining 11 payments would follow in about 45 business days because they were made to XXXX, so they would be " coming from XXXX 's system ''. 

It is now XX/XX/XXXX, and I still have not received any of the 11 payments ( almost {$3000.00} ) refund that is owed to me. XXXX 's customer service contact lines have been closed down since the account was transferred to Mohela, so I contacted Mohela again today to ask what the delay is. They informed me that my refund request is marked " in progress '' in their system, that it is delayed indefinitely until XXXX processes it, and that they have no way of contacting anyone at XXXX or referring me to anyone to check on its progress or get any information whatsoever on when to expect the refund. 

They told me the best advice they can offer is for me to call them back regularly to check on the status of the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} Consider this complaint as my follow-up to make sure that the listed accounts are verified immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is allowing a collection account from XXXX XXXX XXXX, XXXX, and XXXX to be reinserted on my credit report after being disputed, investigated, and deleted many times now with Equifax and a previous cfpb complaint. There response said it's no longer being reported on my report but that's no longer the case. Equifax is supposed to take measures to not let this collection account to be reinserted. Furthermore Equifax is supposed notify me in writing and within 5 days of reinsertion, and that never happened. Having to keep going through this is getting old and I just want this to be deleted like it was and stay that way so everyone can move on with life. I'm in the process of buying a first home and can't afford to have this pop up when I'm at the closing table. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 U.S.C 1681. 
Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has 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 " States A Consumer Reporting Agency Can not Furnish an 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I've been with Select Portfolio Servicing for over 10 years and have carried an escrow account with them. They have continued to miscalculate/ forecast my necessary amount to pay for taxes and insurance despite this longevity. Typically year after year they have notified me of a shortage due to this poor ability to forecast on their part and have me pay catch up payments over 24 months. This year they have once again miscalculated my estimated escrow and instead of having me pay catch up payments over 24 months, have a new policy that I must pay these over 12 months. This has increased my payment over 15 % ( {$340.00} a month ) which is something I can't afford given the current environment with inflation. Please investigate this companies escrow practices to find ways to improve this so others aren't harmed as I have been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is the 3rd attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XX/XX/2021

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have told the bank I have not received the item and that the merchant refused to refund me the amount, the bank has not tried to resolve the issue and the evidence they showed, doesnt show the apartment number on the delivered address. The tracking number shows that it hasnt been delivered as well and USPS doesnt have information on the package, I request CFPB to resolve this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is the 3rd attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Late in XXXX  53 bank bought my mortgage from XXXX XXXX. All escrow payments were made correctly that year. This year they re-evaluated my escrow and during this process removed my XXXX fees from the escrow calculations. When I notified 53 bank they stated I need to email them that there was nothing I can do over the phone. All I want them to do is re-evaluate my escrow using the payouts made last year. Include in that the XXXX, property taxes, flood insurance and home owners insurance. 4 payers so to speak. Just like last year so that Im not XXXX short in escrow. This will be my last attempt to rectify before I contact legal council. Hence failure to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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 U.S.C 1681. 
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has 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 " States A Consumer Reporting Agency Can not Furnish an 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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 U.S.C 1681. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has 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 " States A Consumer Reporting Agency Can not Furnish an 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ). 
XXXX, XXXX and Transunion have not corrected their reporting of this information.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ). 
Experian, XXXX and XXXX have not corrected their reporting of this information.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX  XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX I 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 explanation