vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
I am writing to express my deep concern and frustration regarding the repeated attempts I have made to remove fraudulent items from my credit file. Despite my persistent efforts and submission of supporting documentation, these fraudulent items persist, posing a significant threat to my financial reputation and well-being. 

As a responsible consumer, I have taken all necessary steps to dispute and remove these fraudulent items from my credit report. However, it is disheartening to see that my efforts have been met with little to no progress, leaving me vulnerable to potential financial harm and identity theft. 

I urge your immediate attention to this matter and request that you expedite the investigation and removal of these fraudulent items from my credit file. It is imperative that your organization takes swift and decisive action to rectify this situation to ensure the accuracy and integrity of my credit report. 

Furthermore, I request transparent communication and regular updates on the progress of this investigation until it is satisfactorily resolved. I also expect your organization to implement measures to prevent similar fraudulent activities from occurring in the future, thereby safeguarding the financial interests of consumers like myself. 

Failure to address this issue promptly and effectively will leave me with no choice but to seek assistance from regulatory authorities and consumer protection agencies. I trust that you will take this matter seriously and prioritize its resolution without further delay. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX TransUnion Dispute XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Investigation of Unauthorized Credit Inquiry I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Thank you for your assistance in this matter, 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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please review the documents to confirm adherence to FCRA 605B? Some accounts listed on my credit report appear to be incorrect, leading to discomfort.

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 2024-03-06 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: GA

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please review the documents to confirm adherence to FCRA 605B? Some accounts listed on my credit report appear to be incorrect, leading to discomfort.

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 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
My home loan was recently transferred/sold from XXXXXXXX XXXX to a " Mr. Cooper Mortgage '' company. During this process XXXX XXXX said that my mortgage was transferred/sold and they could not help me any longer, and that I would have to call Mr. Cooper Mortgage . I no longer had access to my previous online account, and they would not help me over the phone. 
In the meantime, I kept calling Mr. Cooper Mortgage and asking for help to find out about my escrow account being short, making my house payment rise drastically. Mr. Cooper Mortgage kept telling me that they did not have any of the information, even though their own phone recording says that all information had been set up in their system. In all of my phone calls to Mr. Cooper Mortgage, they told me they had all of my information... everything EXCEPT my escrow information, which is what I needed the most. 
In the short time period I have been with Mr. Cooper Mortgage, they are by far the most difficult company I have ever had to deal with when it comes to talking with an actual person! It is extremely hard to get through for information. 
Since Mr. Cooper Mortgage would not help me during this transition, my house payment has risen drastically. I should have been given the opportunity to pay on my escrow shortage and lower my payment back down. I did send them a payment online once I saw it posted, but they are now telling me that it will not lower my payment. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

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

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  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 2024-03-06 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: IL

Complaint narrative:
On XX/XX/year> I looked at my credit report to make sure that my payment history was exceptional and I noticed a lot of hard inquiries from all 3 bureaus on my report that I didnt authorize. So I called XXXX and to no avail I didnt get any help. 

How can I be assisted with this issue and I just want this to be deleted off of 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 explanation
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
On XX/XX/2024 I looked at my credit report to make sure that my payment history was exceptional and I noticed a lot of hard inquiries from all 3 bureaus on my report that I didnt authorize. So I called Equifax and to no avail I didnt get any help. 

How can I be assisted with this issue and I just want this to be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX Synchrony pay pal responded stating You agreed and consented to the terms and conditions of the account via electronic method ; therefore, no physical copy of the application is available. 15 U.S.C. 1692 g required validation of a debt by the original creditor with signature from the consumer agreed to the terms and conditions and payment. A Bills doesnt validated a debt and acknowledged of having the wrong address show inaccurate reporting and third XXXX XXXX have no suffix on mine name another inaccurate reporting to the credit bureau . Originally Creditor by laws must validate a debt to continue to report it is illegal and violates FRCA.

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 2024-03-06 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
I am a victim of identity theft, my information was stolen and used to open several accounts, including chase, and XXXX. I was informed of the theft by my bank  XXXX, monitoring my credit report. Thats when I found a XXXX card for {$9800.00}, and a {$4000.00}, XXXX  bill. I reported the identity theft to my local police department, and was given a case # for XXXX XXXX use informing the above companies, that I am in fact, a victim of identity theft. 

After a few months, XXXX sold the debt to XXXX XXXX, a company that buys bad debt, and then tries to collect the debt, using some questionable practices. I informed XXXX that this was happening, and they got XXXX to remove the derogatory item from my credit report. 

Unfortunately, chase bank services are another issue, after calling, and writing numerous letters, providing them with all the information I have, including the police report, with case number. They insist they account is verified, by virtue of Payment made in my name, unfortunately not by me, because i never received a bill, because i never opened the account, nor signed any documents from XXXX accepting their terms, and conditions

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Securus J Holdings, LLC
State: CO

Complaint narrative:
JPay is extorting families, friends and associates " Sending Money '' to XXXX individuals!! CFPB hit JPay with {$6.00} XXXX in fines and restitution over FEE-HEAVY charges on " Debit Release Cards ( 2021 ). Hopefully, you can hit JPay with fines and restitution for FEE-HEAVY extortion " Sending Money '' to XXXX individuals!! 

Issues. First, the fee percentage charged is substantially different for a credit card ( 3.57 % ) and debit card ( 13.4 % ). Second, Colorado law says the maximum fee rate is 2 %. Third, JPay has failed to publish their fees and CSR failed to provide them upon request. 
Fourth, JPay offers no FREE option " Sending Money '' such as an electronic transfer from a checking account. An option provided by almost all companies billing customers. 

Additionally, I've yet to fact check XXXX individuals are charged a TWENTY Percent FEE ( 20 % ) by JPay or XXXX XXXX XXXX XXXX. This would be OBSCENE EXTORTION of the Person " Sending Money '' and the XXXX XXXX. 

Conclusions. First, XXXX  individuals are XXXX their XXXX  This is sufficient punishment. XXXX XXXXXXXX XXXX XXXX charging ANY FEE is OBSCENE EXTORTION and MUST be STOPPED. Second, JPay MUST be FORCED to Publish Fees and LIMIT FEES to 2 % in Colorado. 

Details for two deposits to date below. Can you help? Thank you JPay Deposits Personal details have been omitted and will be provided upon request. Personal details will be for CFPB and JPay internal investigation only. Personal details never to be published. 

XXXX - Deposit {$300.00} XXXX Credit Card - Cash advance fee {$15.00} - Cash interest charge {$0.00} - Total {$16.00} XXXX. JPay - Fee {$10.00} - Fee Rate 3.57 % XXXX, Totals - Fee & Interest - {$26.00} - Charge - {$310.00} XXXX - Deposit {$50.00} XXXX. Debit Card - No fee per bank, but not verified. 
2. JPay - Fee {$6.00} - Fee Rate 13.4 % 3, Totals- Charge {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
I had a case of identity theft and notified all creditors on my report. I received a response back from XXXX  XXXX XXXX stating they will be removing the account from credit reporting agencies. I sent a copy of this letter to all three credit bureaus by Certified Mail. In the letters I requested the deletion of the account, per the promise I received from XXXX  XXXX XXXX. It is now XXXX and XXXX  XXXX XXXX, Experian, and XXXX have failed to delete the account. I sent a similar letter to XXXX, and the account was promptly deleted. The law dictates that all of my consumer reports have the same information and be identical to one another. I am requesting Experian and XXXX to follow suit with XXXX in deleting this account so that all of my consumer files are the same. I have attached the letter from XXXX  XXXX XXXX and the deletion from XXXX to further expedite this request. I pray that Experian and XXXX acts in good faith to ensure this account is removed promptly. It is considered inaccurate information and is damaging my credit file. 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 2024-03-06 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: FL

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 report relates.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX no response and according to 15 USC 1661i ( 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. 
They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( if ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 report relatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX no response and according to 15 USC 1661i ( 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. 
They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( if ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 explanation