vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to report an issue regarding a debt of {$1700.00} that Credit Corp Solutions is reporting to the credit bureaus. I believe this debt is invalid, and their handling of my dispute violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Here are the details of my complaint : Dispute and Request for Validation : I disputed the debt and formally requested a validation letter from Credit Corp Solutions.

In response, they sent me an affidavit of fraud dated XX/XX/year>. This document does not constitute proper validation of the debt as required by law. 
Contradictory Statements : I spoke to a representative named XXXX XXXX over the phone. She informed me that Credit Corp Solutions can not provide a validation letter because the statute of limitations has expired, and they are no longer actively collecting on the debt. 
Despite this, when I contacted the credit bureau, they stated that this debt was validated on XX/XX/year>. 
Ongoing Reporting to the Credit Bureau : Credit Corp Solutions continues to report this debt to the credit bureaus, despite acknowledging that they are not collecting on it and the statute of limitations has expired.

This reporting is damaging my credit and causing unnecessary stress.

I believe Credit Corp Solutions and the credit bureau have violated the following : FDCPA : Failing to validate the debt and providing misleading or incomplete information.

FCRA : Reporting inaccurate or unverifiable information to the credit bureaus. 
I request that the CFPB investigate this matter and take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including credit bureaus to dispute these inaccuracies and placing a fraud alert on my credit profile. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-11 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: MN

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were not authorized by me. They must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$380.00}

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: RI

Complaint narrative:
I am writing to demand the immediate termination of escrow management for my account and the refund of all remaining escrow funds directly to me. My mortgage agreement does not require escrow management, and given the mismanagement of my funds, I will no longer allow XXXX to manage my property taxes or homeowners insurance. 

I have paid {$13000.00} into escrow, yet only {$9700.00} has been disbursed. This leaves a surplus of {$3900.00}, which I demand be refunded to me immediately. A recent correspondence from XXXX anticipates my taxes to be {$9400.00}, which is inaccurate. My actual tax bills for recent years have been significantly lower ( e.g., {$5600.00} in XXXX and {$5400.00} in XXXX ). I require documentation showing how these inflated estimates were calculated. 

I request a complete statement of escrow activity for all years that XXXX has managed my account, including all payments disbursed, and clarification on how any surpluses or shortages were determined. Also, payment to me of all overages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I booked a room thru XXXX at simply suites in novi, mi. I used my cashapp to hold the XXXX deposit. No damages were done Simply suites released the hold. Cashapp refused to release my funds for 45 days. I informed them to contact the hotel and verify I have a XXXX balance. They told me to get a letter. I booked thru XXXX so the hotel doesnt have a letter showing that. They are unable to generate XXXX since I booked thru XXXX. However, the XXXX is willing to confirm I owe nothing. Cashapp wont try to contact them. Cashapp did this before. They keep funds to earn interest and refuse to return consumers money. Please help me get my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MD

Complaint narrative:
Please remove the inaccurate accounts being reported on my credit file.

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 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : FREEDOM MTG Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by TransUnion and XXXX but is listed as " {$4700.00} '' by XXXX, leading XXXX discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by TransUnion and XXXX, but XXXX inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XX/XX/year> '' by TransUnion but " XX/XX/year> '' by XXXX, while XXXX does not provide this date. 
o The " XXXX XXXX XXXX '' shows inconsistent delinquencies. For example, XXXX and XXXX report delinquencies of " 120 days late '' in XXXX and XX/XX/year>, while TransUnion does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while XXXX includes " XXXX XXXX Mortgage FHA mortgage. '' TransUnion provides no comments at all.

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am reporting what I believe is a phishing or identity theft scam. 

I have received several calls from " XXXX, XXXX '' ( XXXX ) XXXX but ignored them for a few days. Then I answered their call last night, and " XXXX '' asked me if I had approved a XXXX purchase of electronics equipment on my new Chase credit card. I told him I did not have a new Chase card, and he told me a new account was probably opened in my name, and he gave me my correct mailing address. He gave me a case number, XXXX. I asked to speak to his supervisor, and XXXX XXXX ( employee ID XXXX ) came on the phone and confirmed that the purchase was made, around {$900.00}. XXXX told me he would transfer me directly to the Consumer Financial Protection Bureau to secure my social security number. I told him I've never heard of that organization, and then the call went dead. 

Today I called Chase Credit Card customer service ( XXXX ) XXXX and was told by an agent that there have been no new accounts opened with my name and XXXX within the past 30 days. So I am more convinced that it is a scam. 

They tried calling me again today but my phone was on silent so I didn't see the call. Apparently they have not given up on me. When I called back, a Chase operator voice responded with a touch-tone menu, but the voice recording was scratchy, like a bad connection. I hung up before selecting a menu option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
ON XXXX XX/XX/year>, I RECEIVED A NOTIFICATION THAT {$900.00} DOLLARS GOT DEDUCTED FROM MY SAVINGS ACCOUNT, IT CAUGHT ME OFF GUARD, SO WHEN I CHECKED IT, IT SHOWED THAT IT WENT TO XXXX XXXX, SO IIMMEDIATLY CALLED THEM AN THEY STATED TO WAIT TIL THE WEEKDAY TO SEE IF THE FUNDS WENT THREW, SO I WAITED TIL TUESDAY AN THE FUNDS WAS APPROVED TO XXXX XXXX, SO NOW IT XX/XX/year>, AN THEY ARE STILL STATING THAT THEY HAVE NOT RECEIVE MY PAYMENT AN TEHY WANT ME TO SUBMIT ANOTHER PAYMENT PLUS THEY ARE ALSO REPORTING ME TO THE CREDIT AGENCIES THAT I AM NOT PAYING ONTIME, YESTERDAY A CUSTOMER REP WANTED ME TO GIVE HER MY BANK ACCOUNT INFORMATION WHICH I REFUSE BECAUSE SHE WAS GOING TO TAACK THEM FUNDS OUT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: OH

Complaint narrative:
I have recently reviewed my consumer report and informed your agency on XX/XX/year> regarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

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 2024-12-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ter XXXX XXXX, Fl XXXX XXXX XXXX XXXX TRANS UNION LLC CONSUMER DISPUTE CENTER po box XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX & XXXX ACCOUNT # XXXX OPEN : XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity Trafficking 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 non-monetary relief
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XX/XX/XXXXTo whom this may concern, I need clarification as to why you are reporting certain information on my credit report. Please review the following.

According

15 US Code 1692g 1 ) I need you to send me a full detailed list of the payment history on this account. 2 ) I want to see the original signature that I agreed to the contact for this creditor. 3 ) Has there been any insurance claim found on the DEBT.

4 ) Lastly, I want to see the chain of titles that you have to collect on this DEBT. 



Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-11 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: IL

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

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 2024-12-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-12-11 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX / XXXX XXXX Transunion neglect to report accurate address. They all XXXX failed to update correct address.

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 2024-12-11 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX XXXX - Charge off XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX CRED XXXX Balance XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX XXXX BANK XXXX Date opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX -Late/closed TBOM/MILSTONE XXXX Date Opened XX/XX/XXXX Balance XXXX - Late/closed XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation