vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-20 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: NY

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( Date ), I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX account number XXXX XXXX  XXXX bank Account number XXXX XXXX  XXXX XXXX Account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX  days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
Violation of My Consumer Rights!!!

This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-11-20 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: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
My husband and myself is trying to purchase a home, and this is affecting our mortgage. Back in XXXX  I applied for an apartment ( XXXX XXXX XXXX XXXX XXXX ) we did not get approved. We were told we would receive our deposit back if we did get approved due to our credit. I have gone back and forth for 3 months trying to get my money back and the refuse to give it back. So, I disputed with my bank and funds were given to me {$200.00} each ( for myself and husband ). Bank completed the dispute with no accurate information and XXXX XXXX sent us to collections. I called National credit systems to resolve this matter which is the credit agency who bought the account over from XXXX. I spoke with someone she advises that she can dispute the collection with all 3 credit bureaus if she finds errors such as incorrect information, but she needed to check with me paying {$1.00} to check my credit history she ran my card for the {$1.00} she saw them on my credit and husbands XXXX XXXX XXXX she advises she found two errors I had 2 different move in dates in XX/XX/scrub>XX/XX/XXXX which that was a red flag because you can not have two different move in dates. She asked me if i wanted to dispute them I said yes because i was not entitled to pay that as it was supposed to be given back anyways because we did not get approved. So, she said to proceed we must pay {$190.00} each to them they will send a letter to all bureaus to have it removed because they had un accurate information being used. My bank disputed this and closed the claim due to inaccurate information. That is illegal and bribery to take money from someone to have something removed. XXXX XXXX 's reviews and National credit system is known for this, and I would like it handled and removed from my report and husbands asap. I have gone through a lot dealing with these people since XXXX  and is now affecting me because of it. They never answer their phones and when they do they say they no longer have my account i need t speak with National.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
Transunion, XXXX, XXXX and XXXX has been allowing the following companies XXXX Card, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX to report said accounts held by these companies as both charged off and missed payments each and every month. This is fraud and unfair, misleading and abusive practices. Allowing these companies to reage and update the account as a missed payment is extortion! And it has a created damaging effects to my credit report and my way of life. This is illegal as they have reported the debt as a lost on their tax and still reporting my credit tell as charge off but allowing the company to extort me for more money by reporting late payments to the account. XXXX companies have already reported the income to my tax transcripts and income. Per the internal revenue code income can not be reported to a credit report. TAKE THIS OFF IMMEDIATELY! REMOVE WITHING 4 DAYS CONTACT THE COMPANIES AND HAVE THE FILE UPDATED PROPERLY FAILURE TO DO SO WILL RESULT IN A CIVIL XXXX FOR SECURITIES XXXX and a complaint into the attorney general for18 USC 894

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 2024-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I called XXXX agency on XX/XX/scrub>XXXX  a little after XXXX XXXX XXXX. The agent did not state the mini XXXX. I had request to dispute the debt. He stated he would simply send me an itemized statement. I do not want an itemized statement as I had made clear. He said it would still be reported to my credit which I found very threatening as I take my credit very seriously. I am disputing this debt for quality of care. I asked to speak to a supervisor and he refused to get me a supervisor. I do not feel as if I owe this debt and I do not appreciate how this call went and I do have the right to have my dispute investigated which the agent had denied me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, On XX/XX/scrub>XX/XX/ I tried to make a minimum payment of {$33.00} THROUGHT THE app and my checking chase account that apparently did not go through for XXXX statement. today I logged into my account and saw {$29.00} late fee on the account. I immediately put in a payment again for {$35.00} and called the bank. My main concern was about me being reported as a late payment customer. The person on the phone kept misgendering me for the entire call, calling me 'miss ' even after I told her not to do so. I asked for her help and she kept repeating herself that {$29.00} fee will be assessed and I will be reported. I have a consistent record of payment on the same, after the billing statement day. There was a computer or app error this time, If i would have noticed it, I would have paid it within cycle, I was really checking on the next statement to pay today. I am looking for some help here please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

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 2024-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Etrade Morgan Stanley Private Bank sent me a direct email with a promotional offer of XXXX $ for doing two direct deposits of XXXX or more. I went ahead and clicked on the link and opened the account. The account has been opened and was about to fund it and as part of the validation of the promotion, I checked with the customer service reps both on chat and phone on whether I was enrolled or not. Both the chat reps and phone reps kept issuing new case/reference numbers and the promotion team keeps saying there was a 'mystery ' old account but no one has given me a reason as to why my promotion enrollment was rejected. If there was an issue to begin with, why send me a direct email with promotion and make me open an account to begin with. This is clearly bait and switch and a constant run around from them without resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
We were refused the removal of XXXX even though the XXXX is at the level that does not require XXXX to be on a mortgage. The reasoning was we had missed payments, the payment history is not and should not be a part of the XXXX release as the value of the home well exceeds the purpose of XXXX  to begin with. XXXX  is to protect the investor from loss in the event of default or foreclosure however if we we to default and go into foreclosure the investor would profit on our loss of the home as the saleable price is over {$200000.00} ABOVE the loan payoff at this time. The investor, XXXX XXXX a Government agency or under government control is fleecing us for an unnecessary and vindictive reason even though they would gain if they got control of the property, they are NOT using the funds to pay for the XXXX policy, they are simply pocketing it and that should be 100 % illegal if it is not already!!

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
JPMCB account with balance of {$6400.00} is showing as " charged off/closed '' as of XX/XX/scrub>XX/XX/XXXX I never received a XXXX from the creditor. How can the creditor write it off on their taxes as a loss but not provide me with correct documentation. My credit report shows " charged off ''. 

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debit that your agency claims I owe. According to my credit report the account # is : XXXX. 

1. Verification of Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by state and federal laws.

Please consider this letter a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
JPMCB account with balance of {$6400.00} is showing as " charged off/closed '' as ofXX/XX/XXXX I never received a XXXX from the creditor. How can the creditor write it off on their taxes as a loss but not provide me with correct documentation. My credit report shows " charged off ''. 

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debit that your agency claims I owe. According to my credit report the account # is : XXXX. 

1. Verification of Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by state and federal laws.

Please consider this letter a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: WV

Complaint narrative:
JPMCB account with balance of {$6400.00} is showing as " charged off/closed '' as of XX/XX/scrub>XX/XX/XXXX I never received a XXXX from the creditor. How can the creditor write it off on their taxes as a loss but not provide me with correct documentation. My credit report shows " charged off ''. 

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debit that your agency claims I owe. According to my credit report the account # is : XXXX. 

1. Verification of Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by state and federal laws.

Please consider this letter a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, 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 2024-11-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief