vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: PR

Complaint narrative:
Greetings CFPB team I want to draw your attention to this XXXX  XXXXXXXX XXXX account with account number XXXX. I have always been an excellent payer of my financial commitments. I have never paid late. 
This account mentioned above presents a balance of {$550.00} which is false. It also says that it was Charge Off without first having produced a single delay. I have tried everything. I have talked to them, I have disputed the account I don't know how many times. I already have an incredible level of frustration. If you look at my account in the credit report, which I hope you do, you will see what I mentioned. 
Imagine that the Last Payment Date XX/XX/XXXX  is False, the Closed Date is also False, the Balance is False, my Payment History has no delays. The company keeps saying that everything is accurate. 
This has already affected me, my business and my entire family. I hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Linda Strumpf
State: CT

Complaint narrative:
Lawyer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX I completed payment for a debt via wage garnishment which completed on XXXX.After waiting XXXX days for information on judgment satisfaction, I contacted the debtor. They indicated the full amount was not collected. I contacted the state marshall indicated on the judgment and the marshall confirmed the amount was paid but said there may be accrued interest. No statement, or details have been provided. It is now XXXX and I still don't have any statement to validate funds owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I went to court with OneMain Financial over an unpaid personal loan that went to collections and was reflected negatively in my credit report. 

OneMain Financial and I settled out of court on XX/XX/XXXX, agreeing to mutually release and mutually dismiss the case. In section XXXX of the settlement, XXXX agreed to remove the account entirely from my consumer credit reports. 

As of today, XX/XX/XXXX, this derogatory mark is still in my credit report and needs to be removed. I have not been able to get a hold of anyone at OneMain to get this to happen. I've been advised to reach out to CFPB to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: LEXISNEXIS
State: OH

Complaint narrative:
I have disputed LexisNexis several times on why my report has incorrect information like my bankruptcy XXXX XXXX XXXX as the provider of the record on page XXXX and why on page XXXX it shows " Record 1 Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ''. Each time LexisNexis stated that they did a proper investigation and stated that XXXX  and or XXXX XXXX XXXX provided that information. However, on XX/XX/year>, I sent a letter to the XXXX  XXXX XXXX XXXX and an email to XXXX XXXX XXXX asking do they report bankruptcies to the credit bureaus and I got a response stating that " They do not report any bankruptcies to anybody. '' Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right under 15 USC 1861.

According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.

According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I HAVE SENT LETTERS TO EACH CREDITOR IN ATTACHED FILES. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. 
THESE REPORTINGS HAVE MADE ME UNABLE TO FUNCTION IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION AND HAVE BEEN UNABLE TO ACQUIRE NEEDED ASSETS. 
I BELIEVE I AM DUE {$5000.00}. PER OFFENSE FOR A TOTAL OF {$35000.00}. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was in a natural disaster, forbearance with XXXX  XXXX  due to losing my home in hurricane and XX/XX/XXXX. I checked in every month like I was supposed to, and cooperated fully with the forbearance. In XX/XX/XXXX I did my check in and told I was approved through XX/XX/XXXX for the forbearance. I have a document to prove this. in XXXX, I was called and told it was a mistake that my forbearance was not supposed to go past XX/XX/XXXX. I was told that I could do a loan modification and that my first payment would not be due until XXXX so it would be similar in that. I would not have to pay anything for XXXX or XXXX as if I was still in the forbearance. I signed the loan modification paperwork and XXXX XXXX, then reported to my credit that I was over 180 days past due. My credit score tanked. I tried to resolve this with XXXX XXXX but they state their investor is unwilling to fix 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Same complaint as XXXX previously filed with the CFPB. 

Email message from Capital One below. They report a change in phone number which never occurred to lure me to their website to make financial offers to me. They did the same thing a few months ago, see complaint number above and responded with a boilerplate " sorry '' letter after CFPB complaint. I had my ID stolen and emails of this nature are stressful and require a response from me which takes my time. Capital One is engaging in unethical, illegal and predatory behavior. 



Did you change your mobile number? 
XXXX XXXX Inbox Capital One This email was sent by the organization that owns the logo shown. 
XXXX From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX Sign in to your account Sign in Capital One Lets make sure weve got the right number. 
XXXX, Looks like the mobile phone number we have on file for you may be incorrect. This could be the result of changing your phone number and/or mobile carrier. Please update your mobile number so you can receive important account alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I noticed that we were charged 4 overdraft fees for our checking account. My wife contacted them about these fees assessed on XXXX She was told by customer service that they would refunded with the " Peace of Mind Rebate '' as long as a deposit was made by XXXX. My payroll deposit went into the account later that afternoon. The representative informed us that those fees would be refunded in the " overnight processing ''. When she called today, she spoke with XXXX, who told her that the fees would not be refunded because there were {$28.00} in items that were still pending. When she told them what the representative had told her on XX/XX/, he advised that was not correct. My wife then asked for a supervisor, and he informed her of the same. 

My wife then called the branch on XXXX XXXX. to discuss her concerns. The branch manager then apologized for the inaccurate information given and stated she could not refund the fees. My wife stated that unfair because she was given incorrect information and had the ability to deposit {$28.00} that ultimately cost us {$140.00} It is not fair that they do not honor what the representatives tell the customers when they call in for help. Because correct information wasn't given, we are made to financially suffer which is not right. Especially in trying financial times like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc.
State: CA

Complaint narrative:
i dont know i am just asking to remove this account i have no knowledge of have proven to the creditor this is an identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
XX/XX/XXXX Applied for IDR before loans go into repayment. Application appears complete on StudentAid.gov but Mohela says still processing. XX/XX/XXXX called Mohela : and gave up. Not called back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Mohela Spoke to someone XXXX in training. She has no idea what she '' s doing. Puts me on hold over and over. She says it looks like the IDR request from XX/XX/XXXX is in process. System error resolution? Can not answer if the standard payment will count towards pslf or if will get refunded. Recommended to refile IDR request, which I did XX/XX/XXXX. Still processing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mohela Spoke to XXXX at XXXX in training.XXXX  is very nice. asked if level payments count. XXXX thinks they do but wants to verify. put me on hold to ask their " mentor '' for 15 min. Says yes they count and will continue to count. asked status of IDR requests from XX/XX/XXXX and XX/XX/XXXX. States I could stay on the level plan if I want if i '' m comfortable with payment. Transferred to specialist, XXXX. she says that if the IDR plan payments are higher than the level, it will be not be enacted. they will automatically save me money. this call took 1 hour XXXX XXXX XXXX XXXX XXXX XXXX XXXX Meeting with XXXX XXXX level plan with XXXX  until the last 12 months but funding could be gone when it '' XXXX gone. Confirmed that level plan will not cover PSLF if consolidated loansXXXX need to ask for it in writing. need to request to be on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at Mohela I Asked to be placed on IDR. She can '' t tell if application was denied. Agrees to do the IDR certification over the phone. told it takes 15 days She clarifies that for consolidated loans over XXXX, level plan does not qualify. She reads the rules and acknowledges that I was misinformed last time I called. She takes notes and transfers to advanced representative to confirm that my XX/XX/XXXX and XX/XX/XXXX and potentially XX/XX/XXXX payments will count. XXXX  XXXX  me on hold XXXX XXXX. States that won '' t know if my XXXX payment will count towards PSLF until I re-certify. My new IDR request may take 15 days. I have the option of going on forbearance to avoid another payment on the level plan. I can file a complaint. They are not sure about my XX/XX/XXXX payment counting though was placed on admin forbearance by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express increased their annual fee by 50 % and notified me via email. They do not allow account closure through their website. I called to close my account and was placed on hold. They indicated they would call back. I said " Ok ''. An hour later, on a six minute wait, they still haven't called back. So I tried to connect with them online through their " Chat '' feature. They are showing this message " Due to high volume, a Customer Care Professional is unavailable to assist you at this time. Please try again later or call the number on the back of your Card. '' It's clear that AMEX is avoiding closing my account by simply not closing online and refusing to address requests through their " normal '' account closure channels. I clearly don't want to pay the renewal fee, and they are clearly hoping I will forget about it if they make closing my account hard enough. Essentially they're trying to steal {$150.00} from every person who wants to close their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: AK

Complaint narrative:
Procollect IncXXXX is attempting to collect a debt from me that is not mine. It is a debt that was fraudulently put under my name by my ex husband for an apartment from 27 years ago in XXXX XXXX XXXX 
Procollect is claiming that this charge was for me and was from XXXX XXXX XXXX for {$15000.00}. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at that time, and I still am. I am attempting to move off this XXXX  and this fraudulent charge is making it difficult for me to get a place to live. I have attempted to dispute this charge with XXXX XXXX XXXX XXXX XXXX Procollect continues to falsely claim that this is my charge from XX/XX/2022. I attempted to call Procollect & spoke with a representative who stated she can't discuss how to further dispute the charge & she then hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit profile is incorrect on my Equifax XXXX XXXX Report. Please correct the name and address and remove the employer accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I disputed the accounts multiple times and have yet to receive any proof of the account belonging to me.

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