vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the debt you are claiming I owe. I have never entered into a contract with your company or the original creditor. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.

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 2024-09-20 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: NC

Complaint narrative:
I am a victim of identity fraud theft I have tried to handle this situation for years and only gotten worse this needs to get resolved XXXX XXXX  -open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX-open - XX/XX/XXXX XXXX  XXXX- open XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Original creditor : 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 2024-09-20 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: NC

Complaint narrative:
I am a victim of identity fraud theft I have tried to handle this situation for years and only gotten worse this needs to get resolved XXXX XXXX -open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX-open - XX/XX/XXXX XXXX XXXX- open XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Dear Sir/Madam : I am writing to you regarding a closed account that appears on my credit report, associated with account number, which was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I have been through a difficult financial situation, which has prevented me from keeping up with the payments on this account. I am fully aware of my responsibilities and take full responsibility for the delays, but due to my current circumstances, I do not have the financial capacity to pay this debt. 

For this reason, I would like to request your help in removing this account from my credit report as an act of goodwill. This removal will allow me to begin improving my credit history and move towards greater financial stability. 

I greatly appreciate your time and consideration. I am willing to provide any additional information you may need to review my request. You can contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your understanding and for considering this request. 

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 2024-09-20 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: FL

Complaint narrative:
I've previously informed your organization about accounts on my consumer report linked to identity theft, which I never authorized with a written signature. I'm formally requesting these accounts be promptly blocked and removed from my report. Their presence has caused me significant distress and inaccurately represents my credit history. I'm prepared to take legal action if this isn't addressed properly, as these fraudulent items have hindered important financial goals like purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
These inquiries are not associated with me, and I have no ties to the creditors listed.

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 2024-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a savings account with Capital One with about {$6500.00} in it. When I called and asked to get the money in the account I was told the money was being held so it could be returned to its origin. 
My savings account was used to deposit the rental income from a home I rented out at the time so the money that was in the account was lawfully and legally mine and nobody else 's. When asked about more details or a timeline on When they'd be done I wasn't given any answers except that there hasn't been an update on the account since XX/XX/year> and there's been nothing since. Refusing to return money that I legally earned is theft and I would like my money returned to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: WA

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 violated 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 :

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 2024-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
My account with XXXX ( both savings and checking have been suddenly restricted on XX/XX/XXXX. I called the bank multiple times on XX/XX/XXXX to ask what is causing the restriction and how long the investigation will take, but no one was helpful in giving me detailed reasons and clear timeline. They just asked me to wait and they don't know how long their internal team will take to investigate. They asked me if I recognize any fraudulent transactions within my account, I confirmed that all the transactions are recognized by me. all my transactions are legit as well, it was between my own ( internal and external ) accounts with me as the owner ( treasury direct, XXXXXXXX XXXX XXXXXXXX and etc. ). 

As of XX/XX/XXXX, my account is still under restriction. I called again, and they are telling me the same thing that they don't know why and their internal team is still pending reviewing and asked me to wait ( but they don't know exactly how long the review will take. 

I have near {$20000.00} in the XXXX saving account, now that they restricted my account resulting me not able to access the fund. I need the money to pay for bills/mortgage. This is very frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
MOHELA transferred my loans to a different servicing site ( XXXX XXXX. In doing so they changed my due date, turned off autopay, lost my payment details, and then charged me late fees for the situation that can only be of their own making. In attempting to contact them the wait times are unreasonable ( 5-10 hours ) and I've been transferred between agents and dropped more times than I can count. The inbox that they set up on their website conveniently only retains records for 2 months ... making it impossible to gather the evidence required to support any claim of their wrongdoing. This company has been an absolute nightmare to deal with. Knowing that they are the XXXX who sued the US government arguing loan forgiveness was illegal makes this level of unsatisfactory service more anger inducing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Intentional delay of the mortgage recast process. I have followed the recast procedure, paid the necessary curtailment principal and processing fee, yet there is nothing has changed and my inquiries have continually been met with " unknown difficulties '' and inevitable delays. 

XX/XX/24 Called Shellpoint Mortgage at XXXX to inquire about the process and fees of recasting process. I was informed that a {$5000.00} minimum is needed to initiate the recast as well as a {$250.00} fee. Once payment is received, recast should take 1-3 business days for new monthly payment to reflect on Account. 

XX/XX/24 I decided to proceed with the recast proceed. I called Shellpoint Mortgage at XXXXand make a principal curtailment of {$5700.00} and fee of {$250.00} totaling {$6000.00}, and submitted the signed authorization form. I was informed that I would received a confirmation of the recast in 1-3 business days. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. I was informed that there is an unknown technical difficulty and that a ticket has been submitted to fix it. Recast should take an additional 1-3 days once the fix is completed. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. Representative confirmed that the technical difficulty has been resolved, and recast should take an additional 3-5 days going forward. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. Representative confirmed that all steps have been completed, unsure why the recast has not been applied, and informed me that a ticket has been submitted and recast should take another additional 5-7 days to complete. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. I spoke with representative XXXX, who informed that all steps have been completed, but no action has been taken since and she is uncertain why this is. I have now been informed that I would receive an update by mid-XXXX. 

I have followed every aspect of the recast process as required by the company, and I have spent more than three hours on the phone in six separate occasions dealing with this matter. Disappointingly, I was met with continual and seemingly intentional delays even though the funds for principal curtailment and process fee have been taken at the first instance. This level of service is unacceptable.

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 2024-09-20 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 have no connection with the listed creditors, and these inquiries were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Subject : Mohelas Loan Reporting Errors and Failure to Discharge Loans per XXXX XXXX XXXX Issue : I am filing this complaint regarding Mohelas mishandling and inaccurate reporting of my consolidated student loans, as well as their failure to comply with my XXXX XXXX XXXX 

Details : My student loans were consolidated and transferred to Mohela. However, Mohela is inaccurately reporting several of my loans as discharged by XXXX when they should have been marked as Paid-in-Full by Consolidation. 
Mohela claims they never received certain loans from XXXX, but these loans were consolidated and should have been fully accounted for. 
Additionally, I have a XXXX XXXX XXXX, which entitles me to have my consolidated loans discharged, but Mohela has not taken action to comply with this discharge. 
Loans with Discrepancies : Loans from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which should be marked as Paid-in-Full by Consolidation, are being incorrectly reported as discharged by XXXX. 
Mohela is holding me responsible for a balance that does not reflect the full consolidated amount, and these loans should have been discharged per my XXXX XXXX award. 
Impact on Financial and XXXX  Well-being : Inaccurate Loan Balance : Mohela is holding me accountable for a loan balance that does not correctly reflect the full amount that should have been consolidated and discharged. 
Failure to Discharge : Despite my XXXX XXXX award, Mohela has not XXXX my loans, causing ongoing financial strain. 
Negative Credit Impact : These errors have negatively impacted my credit report, as the incorrect reporting of loans has distorted my credit situation. 
Desired Resolution : Investigate Mohelas reporting errors and ensure that all loans are correctly marked as Paid-in-Full by Consolidation and transferred to Mohela. 
Discharge all my consolidated loans immediately in accordance with my XXXX XXXX XXXX, as required by law. 
Correct my loan balances and update my credit report to reflect the discharged status and remove any negative impacts caused by these discrepancies. 
Thank you for your attention to this matter. I look forward to a swift resolution and confirmation that my loans have been properly handled and discharged, as required by law. 

Contact Information : Name : XXXX XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2024-09-20 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX  Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NY

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 explanation
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
XXXX XXXX XXXX Reported: XXXX XXXX XXXX + XXXX Closed XXXX  Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX  Reported: XXXX XXXX XXXX + XXXX Closed XXXX XXXX& Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX  Closed XXXX Reported: XXXX XXXX XXXX XXXX XXXX ClosedXXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX In good standing XXXX Reported: XXXX XXXX XXXX XXXX XXXX Needs Attention XXXX XXXX XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX  Reported: XXXX XXXX XXXX XXXX XXXX  Needs Attention XXXX XXXX Reported: XXXX XXXX XXXX XXXX XXXX  Needs Attention

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 2024-09-20 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: TX

Complaint narrative:
My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme XXXX XXXX XXXX I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.

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 2024-09-20 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:
My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme stress and XXXX. I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.

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