vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/24 I called to ask questions about my mortgage payment. Earlier this year I was notified after my annual escrow analysis that my mortgage payment would increase to account for shortage. Also, that my shortage would be spread over 39 months. Apparently, an email was sent notifying me of a change of policy in regard to shortages. The company will no longer extend payments beyond 12 months. I have not agreed to paperless documents from my mortgage company. So, my phone call was to understand what changed from previous escrow analysis. The customer service rep was unable to transfer me to a supervisor. Apparently, the email sent by company was to inform me of a 4-month repayment of shortage if no response was given indicating otherwise. My problem is that I never received this email, there is no read receipt from the mortgage company. It is unreasonable to default my payment of shortage to 4-months, I believe I should have been given the option to pay shortage entirely or over 12-months. I was unable to elevate my concerns to a supervisor because no supervisor was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened a Apple card account in XX/XX/XXXX with a credit limit of XXXX USD In XX/XX/XXXX I spent XXXX USD using this Apple Cards Credit. 
I made payments of XXXX USD on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. 
The Items that I purchased for XXXX that I initially used this card credit was returned to the Apple card by the merchant because I did not keep the products. 
These payment caused my credit card to become have a XXXX USD credit available plus XXXX over within the account. 
I was then notified that credit limit was increased to XXXX USD without applying or agreeing to it. 
I contacted the Apple Card Specialist to decrease the credit balance back to XXXX USD because I have spent XXXX USD and was charged interest of 24.24 % APR on that amount. 
They said that they could decrease the balance to XXXX USD but I would still owe XXXX USD and that I would continue to be charged interest on the XXXX that I paid to the account that was not borrowed as credit. I disagree that I should be paying interest on that money that XXXX USD and consider that it should be treated or seen if anything as more more of an investment because I am sure that they since used it for investing.I also did not agree to any terms for a percentage of what i would receive for them having possession of this XXXX USD that was in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX. And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XX/XX/year> RE : Dispute of Collection Account Dear Sir or Madam, I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : Navy Federal Credit Union Account Number : XXXX This collection account is inaccurate because the collection agency, Navy Federal Credit Union has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

Due to these violations, I request that you investigate this matter and remove the inaccurate collection account from my credit report. 

Please inform me of the results of your investigation within 15 days of this letter 's receipt. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to you regarding a debt collection entry that I recently noticed on my credit report. The debt is listed under Jefferson Capital, but I do not recall incurring this debt. 

In light of these circumstances, I kindly request that you provide validation of this debt. Specifically, I would like to see the original contract for this debt and the date it was incurred. This information is crucial for me to verify the debt and ensure everything is in order. 

I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have multiple inquires on my credit report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: WA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : XXXXXXXX XXXX XXXX XXXX We are writing to dispute a charge off on our credit reports, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been received and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In our case, a Form 1099-C was provided to us and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on our credit report is inaccurate and should be removed immediately. 

I request that XXXX XXXX XXXX XXXX delete the inaccurate charge off from our credit reports as required by the Fair Credit Reporting Act ( FCRA ). Please provide us with a copy of our updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: CA

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 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the 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 2024-05-03 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: KY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-05-03 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: KY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I looked at my report in XX/XX/year> and notice some information is incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. This account XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX is not completes and not accurate. 

XXXX XXXX XXXX account number XXXX open date is not reporting correctly, date laste active and date of last payment is not correct, this account is not accurate. 

XXXX XXXX account number XXXX open date is not reporting correctly, date laste active and date of last payment is not correct, this account is not accurate. 

I sent a letter to Transunion and XXXX XX/XX/year> asking them to reinvestigate these accounts. 

I did not receive a reinvestigation letter back with any modified or updated information XX/XX/year>. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you look into this matter

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 2024-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

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 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
I've received a notice from PAM ( Professional Account Management ) a few weeks ago. I believe they are a debt collection agency for the XXXX XXXX XXXX. I've never received the statements from XXXX XXXX XXXX so I assume they went to PAM. I went ahead and called the customer service number XXXX and nobody from that number picks up so I ended up paying a few weeks ago. However, I've just received another notice so I decided to contact the number again. Same issue where I am just on hold with nobody to answer my questions on the transactions. I'm able to login to their website XXXX XXXX XXXX 
I don't want to double pay or I'm not sure if this is a scam. Please assist! 
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 explanation
Consumer complaint received 2024-05-03 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-05-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I tried paying the IRS on XX/XX/XXXX for monies owed on tax return. Received confirmation from the IRS that payment was initiated but on XX/XX/XXXX received notice that payment was not made because my account was frozen. I called Citizens Access to ask why my account was frozen. The agent informed me that it was not frozen but there was an issue with my address. It seems that when they sent out my 1099 it could not be delivered. I did not receive any notice informing me of this. I had moved and that information was updated while I was on the phone. I was told I was good to make the payment and that it should have gone through the first time. So on XX/XX/XXXX I paid the IRS again and again a few days later received notice that payment did not go through account is frozen. Prior to receiving that notice I had called Citizens to inquire if the funds had been withdrawn. On XXXX I spent at least half of my day calling and recalling Citizens to get my account unfrozen. Each time I called I was given the same response. Its under review and theres nothing more that can be done. So my account has been frozen for almost 2 weeks with no notice re : that it had even been done. In the meantime penalties and interest are accruing with the {$21000.00} owed to the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item 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 non-monetary relief