vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: OH

Complaint narrative:
I noticed a credit entry for a XXXX student loan on my Transunion report. My credit accounts were frozen but the student loan was still attached unimpeded. I never initiated a XXXX  and any contact with XXXX where the loan originated. I created an account with XXXX and then saw the loan details including a phone number XXXX which is not mine. I contacted XXXX and informed them of the fraud. They gave me XXXX names that I had never heard of ( XXXX XXXX and XXXX XXXX were contacts to the loan ). I also contacted XXXX XXXX XXXX to find that I had an account there that was frozen. When I finally talked to them, I started the account recovery process. I was told that the XXXX account had been created XX/XX/2023. A XXXX XXXXas submitted to XXXX on XX/XX/2023 and accepted XX/XX/2023. The XXXX account was then frozen by using wrong passwords to block any changes. The email associated with the accounXXXX was XXXX to me ( XXXX ). I then contacted XXXX and gave them the same information as above. They are working on it. I also traced the above phone number ( it is landline ) to a name and address in NY. I gave them that information as well

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 2024-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have received mail from Jefferson Capital Systems and texts from XXXX XXXX XXXX  regarding a XXXX XXXX account from XX/XX/2021. The reported debt amount is {$1300.00}. I have never opened a XXXX XXXX account under my name. I thought this debt collection notice was a scam, but now it is on my credit report and affecting my credit score. 

XXXXXXXX XXXX texts include a reference number # XXXX. Jefferson Capital only gives me the first few digits of the reference number, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-26 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:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX # XXXX MACYS/CBNA # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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 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 2024-03-26 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:
XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, XXXX U.S.Code XXXX Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed 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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a letter to the credit bureaus and they updated it as if it belonged to me. I am a victim of identity theft ( XXXX XXXX, a credit card company I have an account with ) and my information was compromised. ( see attached ) I would like for XXXX XXXX to update my account and change the inaccuracies of the late payments ( XXXX - XXXX ). I also feel this company has unfair practices, explanation of interest/charges were misleading and unfair. These fees were manipulative and were a sales tactic to attract customers with low advertised prices, only to tack on additional charges later. It is very deceiving and frustrating. 

I DO NOT owe Midland Credit Management. Please make them remove it off of my credit reports. I sent certified letter to the credit bureau, called and to no avail did I receive any relief. Please help! Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged 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  Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/2023 XXXX  | XX/XX/2023

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
These inquiries were not authorized by me, and I have serious concerns about their legitimacy. I urge you to conduct a thorough examination and swiftly remove them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: SC

Complaint narrative:
I was not notified or contacted in person about the debt. Didnt even know I owed debt as XXXX paid all the money to school and I am paying that loan back. I did quit the school due to my daughter XXXX. So as far as I knew I had no debt because I did it owe the school at the time of unregistering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Never received change of interest UNTIL XX/XX/24 WHEN i REQUESTED THE INFORMATION. Sent the letter to the wrong address. Lender did not provide adequat time required by Lender to inform Mortgagee of rate change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
I noticed a credit entry for a MOHELA student loan on my XXXX report. My credit accounts were frozen but the student loan was still attached unimpeded. I never initiated a XXXX  and any contact with XXXX where the loan originated. I created an account with MOHELA and then saw the loan details including a phone number XXXX which is not mine. I contacted MOHELA and informed them of the fraud. They gave me XXXX names that I had never heard of ( XXXX XXXX and XXXX XXXX were contacts to the loan ). I also contacted XXXX XXXX XXXX to find that I had an account there that was frozen. When I finally talked to them, I started the account recovery process. I was told that the XXXX account had been created XX/XX/2023. A XXXX  was submitted to XXXX on XX/XX/2023 and accepted XX/XX/2023. The XXXX account was then frozen by using wrong passwords to block any changes. The email associated with the account/XXXX  was XXXX to me ( XXXX ). I then contacted XXXX and gave them the same information as above. They are working on it. I also traced the above phone number ( it is landline ) to a name and address in NY. I gave them that information as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Unable to get credit, at least minimum credit, refuse credit approval

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> afternoon, my phone number and email address were compromised in what I suspect was theft. I received upwards of XXXX spam emails and text messages on my phone within XXXX hour timeframe from various merchants and websites ( different languages ). Within these emails and text I also found XXXX from Discover noting that I had applied and was approved for a credit card, furthermore another email from XXXX ( my bank ) sent me an email noting that there was a credit check completed, again without my authorization. 

I called both Discover and XXXX to address this and was able to put a freeze on my credit account through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Had credit card statement. Paid in full ( $ XXXX ) on XX/XX/XXXX and then double paid ( another $ XXXX ) on next day ( XXXX ) Citibank has refused to return excess double payment as of today ( 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 monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On the XXXX XXXX XXXX the below/ attached letter was sent to all credit reporting agencies. 

I am writing as my final notice to XXXX TRANSUNION/ XXXX to remove the XXXX XXXX XXXX  Account XXXX from my Credit Report as the account has been closed and I am officially opting out of reporting the said account.

Per the Fair Credit Reporting Act ( FCRA ), I XXXX, a Federally Protected Consumer and natural person hereby revoke Any and Every Authorization, I the consumer may have given you knowingly or unknowingly, written or unwrtten, verbal or non- verbal per 15 USC 6802.

This act is in violation of the Privacy Act of 1974 and an invasion and intrusion to my privacy.

It is a fact that no account can be reported without my consent pursuant to 16 CFR 313. 

XXXX XXXX XXXX  has affirmed their position in reporting the account closed and have reportedly opened a request with the Consumer Financial Protection Bureau ( CFPB ) for a removal from my credit report with all Credit Agencies.

In addition to violationg 15 USC 6802, this act further violates 15 USC 1681b for permissible purposes under the law and will be reported to the appropriate authorities. 

If no action is taken within XXXX banking days, this letter will be uploaded to the CFPB website as communication evidence for further investigation. 

I look forward to a positive resolution on 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 2024-03-26 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: NY

Complaint narrative:
On the XXXX XXXX XXXX the below/ attached letter was sent to all credit reporting agencies.

I am writing as my final notice to XXXX XXXX EQUIFAX to remove the XXXX XXXX XXXX  Account XXXX from my Credit R

eport as the account has been closed and I am officially opting out of reporting the said account. Per the Fair Credit Reporting Act ( FCRA ), I XXXX, a Federally Protected Consumer and natural person hereby revoke Any and Every Authorization, I the consumer may have given you knowingly or unknowingly, written or unwrtten, verbal or non- verbal per 15 USC 6802.

This act is in violation of the Privacy Act of 1974 and an invasion and intrusion to my privacy.

It is a fact that no account can be reported without my consent pursuant to 16 CFR 313. 

XXXX XXXX XXXX  has affirmed their position in reporting the account closed and have reportedly opened a request with the Consumer Financial Protection Bureau ( CFPB ) for a removal from my credit report with all Credit Agencies.

In addition to violationg 15 USC 6802, this act further violates 15 USC 1681b for permissible purposes under the law and will be reported to the appropriate authorities. 

If no action is taken within XXXX banking days, this letter will be uploaded to the CFPB website as communication evidence for further investigation. 

I look forward to a positive resolution on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
On the XXXX XXXX XXXX the below/ attached letter was sent to all credit reporting agencies.

I am writing as my final notice to EXPERIAN/ XXXX XXXX to remove the XXXX XXXX XXXX Account XXXX from my Credit Report as the account has been closed and I am officially opting out of reporting the said account. 

Per the Fair Credit Reporting Act ( FCRA ), I XXXX, a Federally Protected Consumer and natural person hereby revoke Any and Every Authorization, I the consumer may have given you knowingly or unknowingly, written or unwrtten, verbal or non- verbal per 15 USC 6802.

This act is in violation of the Privacy Act of 1974 and an invasion and intrusion to my privacy.

It is a fact that no account can be reported without my consent pursuant to 16 CFR 313. 

XXXX XXXX XXXX  has affirmed their position in reporting the account closed and have reportedly opened a request with the Consumer Financial Protection Bureau ( CFPB ) for a removal from my credit report with all Credit Agencies.

In addition to violationg 15 USC 6802, this act further violates 15 USC 1681b for permissible purposes under the law and will be reported to the appropriate authorities. 

If no action is taken within XXXX banking days, this letter will be uploaded to the CFPB website as communication evidence for further investigation. 

I look forward to a positive resolution on 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank did not notify me of renewal of CD, and renewed it for a XXXX month renewal. They did not send me notice of the renewal. 

The CD 's matured on XX/XX/XXXX, and I asked them on XX/XX/XXXX to release the CD, without penalty. 

They refused. They also refused to change the renewal to a shorter term. 

This exact complaint was placed in the consumer financial protection bureau on XX/XX/XXXX, by another customer.

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