vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX Account XXXX XXXX XXXX XXXX XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that XXXX, TransUnion, and XXXX remove this alleged account from my credit report under the XXXX XXXX XXXX by Silence. 
XXXX. Not authorized to conduct business in the state of Florida. 
XXXX. Failed to cease collection ( XXXX, TRANSUNION, XXXX ) on the debt validation PROCESS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
According to 16.U.S.C. 1692C, you have violated my rights by unlawful communications ; please remove these collections from my credit report. 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 2024-10-09 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: LA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX have on file that states that this information is indeed one hundred percent accurate, and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: FL

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.

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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I own Property XXXX XXXX XXXX XXXX TN My remaining Balance on it XXXX.I requested from Chase To cancel my PMI because My Property appreciate to $ XXXX. 
Chase order PBO on XXXX property and came back with the price of $ XXXX. 
I am at 75.85 % LTV Chase refuses to cancel my PMI Chase Consider my the Value of my property only $ XXXX even the PBO came back XXXX Chase does this all because they do not want to cancel my PMI. 
I talked with one of the agent that is from XXXX XXXX she told me chase does this all the time with people from the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS ACCOUNT, THIS IS FRAUD AND WAS NEVER AUTHORIZED

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 2024-10-09 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apelles, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX has turned me over to a collection agency Apelles. They are saying I owe {$110000.00} for a checking account that is closed. The I did not have checks to the account. I only had a debit card and I could not overdraft on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I havent received my direct deposit from social security {$930.00} my account still have a ballance {$0.00} and I spoke with social security today and my direct deposit should've came in my account today XX/XX/year> and nothing is in my SoFi account i need help with this please and i confirm with social security my account number and routing number is correct on their system please help me with this problem SoFI Bank has not released my funds yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-10-09 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: VT

Complaint narrative:
On XX/XX/year> XXXX XXXX submitted my credit card account as delinquent. I don't dispute that there was a balance. The balance was less than {$5.00}. when I made a payment at the point of purchase terminal I was not able to access my account balance resulting in the underpayment. 

On XX/XX/year> Experian dropped my credit score XXXX points. I submitted a dispute to Experian asking that my payment history be taken into account and requesting that the delinquent account status be removed. Experian has settle my dispute by declining to drop the delinquent account status. 

On XX/XX/year> I contacted XXXX XXXX customer service via the number printed on the credit card. The gentleman that I talked with said that they submit a report to Experian every 30 days and that the next report will have the delinquent status removed. He said that I would receive a letter confirming our conversation via regular mail.

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 2024-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
I'm unaware of this debt. I wasn't given an opportunity to to dispute this debt. didn't receive any proper notification in regards to this debt. This debt also violates the Hippa Law. If you feel you've given me and or sent me the proper notification regarding this debt please send me a certified copy of proper notification and receipt with my name on it and signature. also provide the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
I'm concerned about the unfamiliar inquiries on my credit report. I didn't authorize nor consent to these companies accessing my information or have applied to them, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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 2024-10-09 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: FL

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I cant even log into an account because I was a former customer. Theres no live line. No one to speak to. No emails nothing! 
I did the self credit builder account with a few hiccups but it was worth it I used my former deposit and was supposed to receive a partial check and the rest went to a credit account. I paid it off and was supposed to receive a new card. After that I never got the new card, I moved into a new apt there was nothing but charges on my account. From other states, countries, they said they had a system hack. I paid OFF MY BALANCE. Next thing my account is charged off and Im still in a deliquent state from over 2 years ago for XXXX $! That I paid as soon as I got my taxes. Its still lingering on my report and XXXX  me. I had to pay to bury my grandma and my credit is ruined by the same company I PAID TO HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: DC

Complaint narrative:
XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX Hunter Warfield , Inc . 

XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Incorrect Charges and Request for Immediate Removal of Credit Report Entry Dear XXXX XXXX XXXX am writing to formally dispute the charges of {$14000.00} currently attributed to me and handled by your agency. Upon reviewing my records, I found that this amount is inaccurate and unjustified. Initially, I was informed that the outstanding balance was {$11000.00}, which I also contest as incorrect. My original lease agreement was with XXXX, and I did not renew my lease upon its expiration. I terminated my lease and vacated the property long before Hunter Warfield acquired any involvement. 



XXXX, the company to which my lease was originally assigned, either went bankrupt during the XXXX pandemic or sold the property. During this transition, no new lease agreement was signed, and I had already vacated the premises. I have also reviewed all related court documents, and none indicate that I owe any outstanding balance to XXXX or Hunter Warfield. Therefore, the charges being pursued by your company are entirely unfounded. 



Additionally, this debt had been removed from my credit report, and I was dismayed to find that it recently reappeared on my XXXX report. I respectfully request that this entry be removed immediately as it is an inaccurate reflection of my financial history. I owe no financial compensation to Hunter Warfield, nor did I ever enter into an agreement with your company for any charges. This situation has caused a significant hardship, particularly during and after the XXXX pandemic, impeding my ability to secure housing and recover financially. 



This fraudulent and unfair charge will be escalated to the District of Columbias XXXX XXXX XXXX XXXX XXXX XXXX, as well as the Consumer Financial Protection Bureau. It is imperative that this issue is resolved promptly to avoid further action and to prevent any additional negative impact on my credit history. 



I expect immediate attention to this matter and the prompt removal of this erroneous charge from my credit report. Please confirm in writing that this account has been fully resolved and that the negative entry has been removed from all relevant credit reporting agencies, including XXXX. 



Thank you for your immediate attention to this urgent matter. I look forward to your swift resolution of this dispute. 



Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I LOST MY JOB IN XX/XX/XXXX AND WENT ON UNEPLOYEMENT. IN XX/XX/XXXX THE UNEMPLOYMENT RAN OUT. I WAS WORKING WITH RCAP AND RAFT IN ORDER TO RECEIVE HELP WITH PAYING THE BACK MORGAGE. THE LAST PAYMENT I MADE WAS IN XX/XX/XXXX. RAFT/RCAP NEED THE MORGAGE STATEMENTS IN ORDER TO APPORVE THE PAYMENTS WITH FOR THE BACK MORGAGE PAYMENTS. I HAVE BEEN COMUNICATING THIS WITH SANTANDER AND REQUESTING THESE STATEMENTS. ACCORDING TO SANTANDER THEY NO LONG HOLD MY MORGAGE AND THE MORGAGER HASNT SENT ME A STATEMENT SINCE XX/XX/XXXX. I HAVE TOLD THEM TO KNOW AVAIL THAT THE ONLY THING I NEEDED WAS A STATEMENT BECAUSE I WAS APPROVED TO HAVE THE BACK PAYMENT PAID FOR ME BY RAFT.

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 2024-10-09 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( GENESIS CRDT ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( GENESIS CRDT ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Hello On XX/XX/XXXX, XXXX XXXX  I transferred XXXX $ from my BofA checking acct to my XXXX XXXX acct via ETF - funds transferred in that manner from BofA to XXXX, both institutions on the same online platform, are credited/debited immediately On XX/XX/XXXX, XXXX XXXX  I purchased XXXX $ of XXXX Preferred acct shares. The acct being a mutual fund acct, the transaction would be performed at closure of the market that very day. 

Instead, notwithstanding the immediate availability on the sweep acct of the ETF from BofA, the purchase transaction was performed XX/XX/XXXX, and the XXXX $ were debited to my XXXX XXXX acct on XXXX XXXX XXXX should not be allowed to proceed in this manner, transfer and transactions should be performed in a timely fashion and not following XXXX 's 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 2024-10-09 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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