vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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 OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2024-06-19 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:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I checked my credit report and i see account that are fraudulent in my credit report please remove these accounts from my credit report .they are hurting my ability to have 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 2024-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Additionally, please further note that in XXXX at the conclusion of the XXXX  XXXX Bankruptcy filed, both Wells Fargo and XXXX indicated that XXXX XXXX XXXX paid as agreed and was never late. I am attaching the XXXX deed of exemption that I signed on XX/XX/XXXX and the other signed and filed in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for solely 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 explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Subject : Dispute of Invalid Collection Account Reported by National Credit Systems I am writing to formally dispute the validity of a collection account listed on my credit report. Despite multiple attempts to contact National Credit Systems via mailthree of which were returned to XXXX have been unable to resolve this matter. Furthermore, when I contacted a representative from National Credit Systems on XX/XX/XXXX, I was informed that she was not authorized to provide me with their mailing address. I subsequently spoke with the manager responsible for my collection account over the phone, but he was unable to assist me. 

Details of the Disputed Account : - Debt Collector : National Credit Systems - Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - **Amount : {$5500.00} I believe this account violates both federal and state laws regarding debt reporting and the applicable statute of limitations. 

Although, the Consumer Financial Protection Bureau ( CFPB ) oversees the enforcement of federal consumer financial protection laws, while state governments have their own laws and regulatory bodies that may also govern contracts and debt collection practices within their jurisdictions. 

Under the Fair Credit Reporting Act ( FCRA ), any negative information reported by a collection agency must be accurate, timely, and verifiable. Section 605 ( a ) ( 5 ) of the FCRA stipulates that a collection account may only be reported for a maximum of XXXX years from the date of delinquency that led to the collection activity. However, my credit report indicates that the date of delinquency for this account exceeds the applicable statute of limitations for debt collection in Texas. 

In Texas, the statute of limitations for debt collection related to an apartment lease is XXXX years, as per the Texas XXXX XXXX, XXXX XXXX. Given that the date of delinquency for this account is from XX/XX/XXXX, it should no longer be reported or collected upon. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that this account is removed from my credit report. Additionally, I ask that National Credit Systems cease all collection activities on this invalid debt. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX and various alternate employee of Portfolio Recovery Associates , LLC continue to call back to back and harass and intimidate as well as place me under duress with coercive tactics, claiming a business relationship exist and none does. This entity employee XXXX XXXX admits to participating in identity theft of my personal information and continued to demand I tell him my social security number and date of birth when requested several times to cease and desist. 

No business relationship exist with this entity or any of it's representatives or agents and there is no original note, contract or agreement with my authorization and or signature evidenced otherwise. This entity has likely reported negatively on my credit report with all three bureaus and made unauthorized inquiries in their pattern of corruptive practices including access to my XXXX XXXX XXXX XXXX Account constituting Fraud. This company in collusion with others are guilty of Frauds and Swindles which have caused me irreparable harms.

15 U.S.C. 1681-1681x18 U.S. Code 1341 - Frauds and swindles Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 1692-1692p.

805. Communication in connection with debt collection 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 810. Multiple debts811. Legal actions by debt collectors 812. Furnishing certain deceptive forms 802. Congressional findings and declaration of purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
I am writing to file a complaint regarding identity theft that has impacted my credit report with TransUnion. Despite my efforts to resolve this issue directly with TransUnion, the fraudulent information remains on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, TransUnion is required to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving proof of identity, a police report, and an identity theft affidavit. I have provided all necessary doc umentation, and I demand that TransUnion immediately remove all fraudulent accounts and inquiries associated with the identity theft from my credit report.

15 U.S.C. 1681c-2, Fair Credit Reporting Act ( FCRA ) - " Block of information resulting from 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 2024-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Please see prior complaint ID XXXX, submitted on XX/XX/year> for additional details and history, and XXXX response XXXX Please see prior attachments with that complaint. 

On XX/XX/year> I initiated a wire transfer for {$25000.00} from my personal XXXX  account to my personal XXXX XXXX account in XXXX XXXX XXXX, XXXX. The funds were wired first to XXXX ( domestic bank intermediary ) but never arrived at my account in XXXX. XXXX partners with JP Morgan Chase to provide the wiring services. The funds remain missing. I have numerous emails from XXXX support team advising that I contact XXXX to return the funds. XXXX refused to do so. I subsequently filed a complaint with the CFPB ( see complaint ID above ) and XXXX responded on XX/XX/XXXX, and claimed they returned the missing funds to JP Morgan Chase on XX/XX/XXXX. They recommended I contact JP Morgan Chase to retrieve the funds. I met with a JP Morgan Chase banker in XXXX, XXXX  on XX/XX/year>. I was informed that only XXXX XXXX who originated the wire transfer and partners with JP Morgan Chase for wire transfer services ) can retrieve the funds. I contacted XXXX by email on XX/XX/XXXX requesting them to retrieve the funds, and they responded on XX/XX/XXXX that they can not retrieve the funds, and there is " nothing they can do from our end ''. They advised that I should work with the recipient bank ( JP Morgan Chase ) in having the funds recovered, but also suggested that JP Morgan Chase would have returned the funds to my XXXX  account if truly received from XXXX ( implying XXXX was dishonest in their response to CFPB ). My complaint relates to all parties involved, who have participated in the transfer of funds, and have been unhelpful at locating and returning the funds : XXXX, JP Morgan Chase, and XXXX. However, it is likely that JP Morgan Chase now holds the funds, and I need them to return the money to me, either through XXXX, or by any other mechanism. None of the parties will assume responsibility or take any action to recover my missing money, and I am again " stuck '' between several of the big banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX Account # ending # XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
TransUnion is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, TransUnion, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to TransUnion, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). TransUnion is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you 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 explanation
Consumer complaint received 2024-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one Capital One has no data or information in relation to these accounts that is negatively reported on my credit report. 
Date open XXXX XXXX 2019. I have contacted all three credit bureaus in regards to capital one reporting information that does not belong to me. I have gotten any results back still remains on my credit report since 2019.it is not far to have someone else negative accounts affecting my credibility..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: GA

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 confidentially under 15 USC1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute an inquiry, from Equifax on XX/XX/2024, as inaccurate as I did not authorize it. According to the fair credit reporting act when 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 according to 15 USC 1681 ( e ) ( b ).

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate or incomplete. The act mandates that credit reporting agencies must investigate disputes, correct any inaccuracies, and provide a response to the consumer within 30 days.

I request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I have attached a copy of my credit report with the disputed inquiry highlighted, along with any supporting documentation to substantiate my claim.

Please provide me with a written confirmation once the unauthorized inquiry has been removed. If you require any further information, please contact me at the phone number or email address listed above.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Frequent calls for someone other than myself to collect on debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-19 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 did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-19 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts 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 2024-06-19 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:
PLEASE BLOCK AND REMOVE I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NM

Complaint narrative:
Filed for bankruptcy on XX/XX/2011. Item XXXX was my student loan. Held at the time by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX.Did not hear from anyone for over a year, then I am contacted, told I am over XXXX months behind on my loan, and a loan I took out for XXXX was now over {$40000.00}. I have been XXXX by these folks ( Now AES ), as they promised to come after me for my paychecks, messed with me regarding repayment restructuring, " sold ' my loan to AES, but it was the same company. But when they " sold '' my loan, they " misplaced ' my payment that month, ole company said they did not receive, they were lying, new company said they never received, so I was now behind, again, and owed more late fees, and can never catch up to get this loan paid down. 
They NEVER responded to the bankruptcy. 
They could have contacted my lawyer, or me, at anytime. They were sent all the information my other creditors got. They never responded. That year of not paying has put the loan out of reach of ever paying it off, despite paying over {$400.00} every month. 
Company is as crooked as XXXX. 
Also, no matter what the program is, I do not qualify for it for reasons I do not understand. XXXX pauses the loans for everyone? I do not qualify. Loan forgiveness for paying more then XXXX years? I do not qualify. It's just complete XXXX.

Company response to consumer: Closed with explanation