vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. 

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
I XXXX XXXX requested experian to rectify and update my personal information including 1.address alteration 2.name rectification 3.sole social security validation 4.impeccable date of birth acknowledgment I also refuse inclusion of any telephonic contact and request the removal of all addresses deemed inaccurately reported by the U.S post office

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Previously I transferred about XXXX USD from my checking account to my credit card by mistake. XX/XX/XXXX, I called Bank of America ( XXXX ) to request a refund of this overpayment. The telephone agent helped me initiate an online refund to my checking account. And she told me that it will take 7-10 business days. Then I wait. Today ( XX/XX/XXXX ), I still haven't received the refund and the money still stays on my credit card balance, which is against the law : the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ). 

I have already made a complaint on XX/XX/XXXX. BofA called me on XXXX XX/XX/XXXX, but I didn't answer the call because I was attending a course. After the course, I called her back, but there was no reply ( about XXXX ). And she still has not yet called me back until now! 

I don't understand why this is so hard to transfer my own money. Why it takes so long???!!! Over 7 business days, of course, even over 10 business days!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am in the process of applying for a consumer loan ( XX/XX/2024 ) with a finance company. I already have one loan with the company, so my information is in their system. 

However, when the loan company tried submitting my name, address, social security number, and date of birth, a message stating that my Equifax and XXXX credit reports were frozen. I contacted both credit bureaus ( created an online account ) and went to the section on freezing information. No freezes were located on either of my credit bureaus. On XX/XX/2024 I contacted the loan company with this information. The loan company resubmitted my information and the same message from the day before was shown... the my credit reports were frozen. 

Neither Equifax nor XXXX will explain how to remove the freeze from my credit reports so that I may apply for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: ND

Complaint narrative:
Received a notification on my credit report that a collection from XXXX of {$100.00} from XXXX, XXXX. I thought my account with XXXX was closed and was paid in full. This credit collection was put on credit report XXXX, XXXX - 5 years later from Transworld System Inc, I thought it was a scam or identity theft, I disputed with all 3 credit bureaus, XXXX took it off my credit report, XXXX and XXXX did not. 

I called Transworld beginning of XXXX and they said it was me and I owed this, I called XXXX and they couldn't give me any info because account was closed and sent Transworld . 

I called Transworld back and was told if I paid {$75.00} it would be settled, so I paid {$75.00} in XX/XX/XXXX. 

Now I continue to call Transworld to close the account, I hear every time that a manger has verified the discount and has closed it, but it still shows on credit report. 

I still don't believe owed this debt, I have bought 3 houses and refinanced mortgages, so my addresses and information ( phn and email ) are easily obtainable, not sure how after 5 years something can be put on your credit report without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: WI

Complaint narrative:
I did not authorize these companies to have my information. I have reported this information to the police as identity theft. I have also filed a complaint with the ftc as I have requested information on these account to Transunion, XXXX. I have the right to privacy! This is identity theft I never received any benefit from these unauthorized inquiries neither do I have any accounts with these companies. There has to be permissible purpose and I never gave consent in writing, verbal to report anything to my consumer file. Attached is the identity theft affidavit of all the accounts and address that are non mailable and unauthorized.

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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing these charges and to no result of being removed from my credit report. Ive called to credit bureau and I was lead here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC 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 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681 n states person who fails to comply is liable to that consumer for not reporting accurately and i have over 17 deleted items on my report. Attached is my proof of claim and demand the remittance of {$1000.00} per claim in damages due to disenfranchising me and causing harm, life liberty and pursuit of happiness. see attached for evidence

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 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My mortgage was originally being serviced by Caliber Home Loans. My loan number was XXXX. I have PMI on my mortgage, but I applied to get it removed based on a significant increase in my homes value. On XX/XX/23, I sent the application, along with the {$100.00} check needed to order the BPO on my property. On XX/XX/23, Caliber cashed my check. However, on XX/XX/23, I received an email notifying me that my loan was sold to XXXX XXXX. Caliber never provided me with a BPO report on my property, but still cashed my {$100.00} check and did not refund me. I tried multiple times to call Caliber and get in touch with an actual human agent ; however, because my loan was inactive, the automated system would hang up when any inactive loan numbers or phone numbers are entered. I then tried logging onto my Caliber account and using their messages portal, in which I sent messages on XX/XX/23 and XX/XX/23 notifying them of my issue. The only response I got from this were messages saying this was an issue for the PMI team, and my message was being forwarded to them, and I should expect contact soon. I never received any follow-up contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In case of my previous complaint no. XXXX, 1. Action Taken - a. XXXX  XXXX XXXX, Case Manager  XXXX ( XXXX ) confirmed that I've never opened checking account or credit card with XXXX  XXXX XXXX XXXX my lifetime. 
b. XXXX states that there's no track history to match up with my SSN & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX ( as of XXXX ). 

2. Answers from XXXX  XXXX XXXX : a. XXXX rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies may have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. CurrenXXXX Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me miserable & depressed since 2022 that I've identified the issue first time. 

4. Requests : in my perspective, XXXX  XXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In case of my previous complaint no. XXXX, XXXX. Action Taken - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) confirmed that I've never opened checking account or credit card with XXXX XXXX XXXX XXXX my lifetime. 
XXXX XXXX states that there's no track history to match up with my XXXX & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Answers from XXXX XXXX XXXX XXXX XXXX XXXX  rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies XXXX have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. Current Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me XXXX XXXX XXXXXXXX XXXX XXXX  that I've identified the issue first time. 

4. Requests : in my perspectiveXXXX XXXX XXXXXXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
My cash app account has been frozen since last night. I am unable to use my card, withdraw money, cash out, transfer, send or receive funds. My entire paycheck is on this account and theyre giving me XXXX access to my funds. They said a fraud team is investigating my account and could take 72 hours or longer but they would email me once the investigation ends. They have not contacted me in any way to ask me about any of my charges or anything. Theyre also telling me I have no consumer rights with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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. 

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
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 on unpaid XXXX and XXXXXXXX XXXX. I was only three months from paying off my XXXX Honda XXXX which I had purchased new four years earlier and they refused to work with me and were trying to repo my car for the {$5000.00} balance so I had no other option than to go buy another car and finance the balance into the loan. I had XXXX XXXX  in equity in my car so my new loan was only for XXXX XXXX  with this balance rolled in, but I had intended to keep my car for many years as it only had XXXX miles on it when I traded it in, this caused me great hardship and they will answer for it to XXXX XXXXXXXX XXXX as I am a twice widowed mother with no help!! They were paid in full by XXXX XXXX and the car was never repossessed or written off if they did write it off to get a tax break after they were paid in full in XX/XX/XXXXXXXX you need to alert the IRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXXXXXX XXXX, so you can tell them I reported it to you!! They have refused to remove this comment as it allows them to make me look bad on my credit reports and they are revengeful, I also disputed it with XXXX and they did NOT update it, so they also need to be fined for breaking the FCRA, they simply put the same remarks as prior and said it was verified and updated, which is a lie!!! Please enforce the laws and make them remove the lie that it was written off, it was paid in full so they can not claim a tax break on a debt that they then took the full amount for a few weeks later, that is also against the law!!! I also want a copy of my complaint shared with the FTC!! I want all of my credit reports corrected, then I want a corrected copy of my reports, all three from all credit bureaus, mailed to you and me both!! I do not want this complaint closed until all is completed and I let you know it is done!! I also want both Honda Financial and XXXX fined for breaking the FDCPA and FCRA!!! Please enforce the laws!!

Company response to consumer: Closed with explanation