vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY should not have XXXX + XXXX thats inaccurate should have XXXX. Does not report on XXXX & XXXX. DATE OF LAST ACTIVE IS OUTDATED XXXX. THERES NO LAST PAYMENT DATE nothing reporting. Not saying i want documents of payment i want this account removed. No update in comments from last dispute. This account does not report correctly needs to be removed in statute of limitations HISTORY IN INCORRECT IN STATUTE OF limitations I DONT WANT VERIFICATION I WANT ACCOUNT REMOVED PLEASE XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate on TU HAS 90 days & XXXX  HAS 60 days. last reported dates are wrong & different last payment TU HAS XX/XX/2022 & XXXX HAS XX/XX/2022. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES TU XXXX & XXXX XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 days LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION Want both removed 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

THANK YOU

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not liable for the de

bt with XXXX XXXX. I no longer have a contact with XXXX XXXX. This is a violation of my privacy and tarnishing my reputation - 5 U.S.C 1681 SECTION 602 A. States I have right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written co
nsent. 

This was also reported to the 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 2024-02-29 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:
According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.

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 2024-02-29 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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 USC 1681. 
XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, 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 2024-02-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX To Whom It May Concern, 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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XXXX XXXX, XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX, XXXX XXXX Date of Inquiry XXXX XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/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
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I signed up for a service for a company called XXXX in XXXX of XXXX. Comenity Bank was assigned as the collection department. I closed this service with XXXX in XXXX of XXXX. XXXX provided me a cancellation and refund agreement in XXXX of XXXX where they fully refunded my account to Comenity Bank in XXXX. The account was closed. 

However, every month after XXXX, Comenity bank is still charging me to pay the remaining balance. I have provided Comenity bank with documentation through their online portal and via mail showing proof from XXXX that my account was closed and they were refunded the remaining balance. Ive been in contact with Comenity Bank for the last 3 months and they continue to keep charging me and its showing Im 3 months late on my account. I contacted Comenity bank on XX/XX/XXXX, and spoke with the customer service rep who confirmed that the account was closed in XXXX but then would not provide me a sufficient reason why Im still late on the last 3 months of payments. These late 3 months payment that they have on my closed account has dramatically decreased my credit score and they continue to tell me to wait for the dispute to get settled, while still charging me every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
Hi, I received an email from the department of Education that my account would be transferring to a new portal but still serviced by Mohela. The DOE email stated I should have gotten a notice from Mohela already. I, however, have not gotten any communication from Mohela that the transfer started. It states it should take 15 days but it has already been 21 days. 

I am trying to make extra payments to defer interest costs but there is no way to make a payment online or over the phone until this " transition is complete ''. Why am I stuck paying interest why they are unable to accept payments? It states I can mail a payment but will be getting a new account number and that payments made in the transition period will take 30 days to process. 

So I essentially am stuck paying interest on money that would have been repaid. The servicer is unable, or unwilling, to answer the phone. I have no access to my account to even send a message. The portal just says my account is " transitioning ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
MRS BPO , LLC at XXXX XXXX XXXX, XXXX XXXX NJ XXXX has been sending me collection notices in the amount of {$460.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I've sent a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully requested that MRS BPO , LLC provide me with competent evidence that I have any legal obligation to pay them regarding the following account number ( s ) : Creditor Acct # Ending : XXXX, XXXX XXXX # : XXXX I've also attempted to request the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in Ohio has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. 

What would you like done .... 

I would like them to take this off my credit report and do not try to put it back on my credit report.

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 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
I sent in information that the debt dont belong to me and for them to validation of debt which they didnt not send any information to show proof that item belongs to me so Im not understanding how can a debt be verified when I dont have a burden of proof that anything belongs to me Im a victim of identity fraud these items are fraudulent it needs to be removed immediately

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Subject : Goodwill Request for Delinquency Removal Dear LightStream Representative, I hope this letter finds you well. I am writing to you a second time as a valued customer who has, in the past, maintained a positive relationship with your company. I am reaching out to discuss a matter of great importance to me and kindly request your understanding and assistance. 

I recently reviewed my credit report and noted a 30 day delinquency reported on my account with your company. I understand the significance of accurate credit reporting, and I am aware that my credit history is a reflection of my financial responsibility. I sincerely believe that the delinquency reported is not indicative of my usual financial behavior. 

Unfortunately, due to a medical bill of over {$5600.00}, I faced challenges that impacted my ability to make one timely payment on one of the two accounts I have with you. Since that time, I have taken proactive steps to address and improve my financial situation. I am up to date with my payments, and I am committed to maintaining a positive payment history moving forward. ( I have only this single 30-day delinquency on my credit report ) This has had a devastating negative effect on my credit score. 

I am kindly requesting your goodwill in considering the removal of the reported delinquency from my credit report. This has caused a delay in my ability to obtain a home mortgage. I understand that your company values its customers, and I know this gesture would significantly benefit my credit standing. I have again attached the medical bill of {$5600.00} that caused me to get off track with my one payment to you. 

I am grateful for your time and consideration in reviewing my request. Your understanding and assistance in this matter would be immensely appreciated. Thank you for your attention to this request. I look forward to the possibility of resolving this matter amicably. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau FDIC XXXX, XXXX XXXX, and 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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XXXX XXXX issued a {$6000.00} check to me and my leaseholder in XX/XX/2023. Ive attempted to deposit the check using the Chase Bank mobile app, but encountered an issue with missing endorsement. Although the endorsement matter has been resolved, the funds are currently missing. XXXX claims that Chase Bank cleared the check on XX/XX/XXXX, and therefore the funds should be with Chase. However, Chase has not provided me with a legal image showing where the funds went after clearance and has not released the funds after proper endorsement despite multiple requests over the past XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: MI

Complaint narrative:
Those inquiries attached on my account are irrelevant to me, I am requesting you to do a thorough investigations and I will provide supporting documents for fastest actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit Karma money spend account froze my account on XX/XX/XXXX, I use Credit Karma money spend account, I filed my taxes through XXXX. My taxes were deposited. I tried to use my card, they froze my account on the XXXX for no reason every time I call them I get the runaround with them telling me to wait for an email. I can not speak to no one in the fraud department nor email them, all my money is stuck in Credit Karma account that I cant access my account is frozen and I cant get an update on how to unlock it. Ive called numerous of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: MI

Complaint narrative:
Those inquiries attached on my account are irrelevant to me, I am requesting you to do a thorough investigations and I will provide supporting documents for fastest 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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: MS

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken  account to fraudulent investment firm. 
I wanted to earn some extra money, and found this Investment firm online. After some time, when I figured I can not retrieve my earnings, I figured out I was scammed. 
They went extra mile, and hacked my friends account, and wrote to me, so that I can feel reassured that someone I know is already doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report from Equifax and discovered unauthorized credit inquiries that I did not consent to. These inquiries are as follows : XXXX XXXX ( XXXX XXXX ) inquiry dated XX/XX/XXXX. 
XXXX XXXX XXXX ( Automobile Dealers, Used ) inquiry dated XX/XX/XXXX. 

I have never initiated any transactions, nor have I authorized these entities to conduct credit checks on my behalf. These unauthorized inquiries were conducted without my knowledge or consent, and I am concerned about their impact on my credit score and overall financial health. 

The presence of these inquiries implies a breach of my personal information and a misuse of my credit file. I am unaware of how these entities accessed my credit report and under what pretense these inquiries were made. This situation has caused me undue stress and XXXX, considering the potential implications for identity theft and financial fraud. 

I am requesting an immediate investigation into these inquiries to determine their origin and legitimacy. If these inquiries are found to be unauthorized or erroneous, I demand their removal from my credit report to correct my credit history and mitigate any negative impact on my credit score. 

Additionally, I seek clarification on the measures being taken by the involved parties to prevent similar incidents in the future and ensure the security of my personal and financial information. 

I trust that the CFPB will assist in resolving this matter promptly and uphold the protections afforded to me under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 non-monetary relief