vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: AL

Complaint narrative:
I am writing to dispute multiple inquiries and an account on my TransUnion credit report that I believe to be fraudulent. These inquiries and the account have had a detrimental impact on my credit profile, and I am requesting a thorough investigation and prompt removal of these inaccuracies from my credit report. 
The details of the disputed inquiries and account are as follows : XXXX. XXXX by XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX XXXX. Account with XXXX  XXXX  ( Account Number : XXXX ) I have no recollection of authorizing or applying for credit with XXXX  XXXX XXXX, XXXX XXXX XXXX, or XXXX  XXXX  on the specified dates. These inquiries and the XXXX  XXXX  account do not correspond to any legitimate credit applications or accounts initiated by me, and I have not entered into any credit relationships with these institutions during the indicated time frames. 

Given the fraudulent nature of these inquiries and the questionable account, I am deeply concerned about potential identity theft or unauthorized activity on my credit report. I have taken immediate measures to safeguard my personal information and have initiated a credit freeze with the major credit bureaus to prevent further unauthorized access. 

I kindly request a comprehensive investigation into these inquiries and the XXXX  XXXX  account to determine their validity. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries and the account on my TransUnion credit report. 

Furthermore, I urge TransUnion to take the necessary steps to expeditiously remove these fraudulent inquiries and the XXXX  XXXX  account from my credit report, as they are adversely affecting my creditworthiness and financial standing. It is essential to uphold the principles of the Fair Credit Reporting Act ( FCRA ), which mandate accurate and fair reporting, and these discrepancies do not align with those standards. 

I kindly request that you keep me informed of the results of your investigation and any actions taken to address this dispute. If additional information or documentation is required from my end, please do not hesitate to reach out to me at 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 2023-12-06 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: DC

Complaint narrative:
I already complained about this inquiry. 

I wanted to send you my copy of my Identity Theft report. 

This complaint is not a duplicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I Spoke To Supervisor XXXX XXXX XXXX She Was Unable To Assist Me She Did Not Answer My Questions I Explained To Her 3 Times That I Had A XXXX And She Was Talking Down To Me Unprofessional And She Did Not Actually Assist Me She Never Provided The Correct Cut Off Date For Deposits Or Transfers When In Fact Per THE Banker At XXXX XXXX XXXX IN All Transactions Posted Before Midnight Would Cover Any Negative Balances. I Made Sure To Cover The Payment Of {$44.00} and It was still Returned On Monday The Entire Time I Talked To Her She Was Arrogant, Rude And Argumentative I Want To Know Why The Banker Advised Me All Deposits And Transfers Made Before XXXX Would Cover Any Negative Balances. Why Are They Not Consistent With What The Information They Provide? According To XXXX After 20 Minutes She Advised The Cut Off Time Was XXXX. Because Of This Information I missed an important ( Medical ) Payment That Was Due And Now I have To pay a {$97.00} Return Fee From That Merchant Because Of Fifth Third Giving Me Incorrect Information I Would Like To File A Formal Compalint Against This Company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CA

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : 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 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 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 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 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 XXXX XXXX Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of outdated accounts from my credit report. After reviewing my credit report, I noticed that there are several accounts that are more than seven years old and should no longer be reported.

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 2023-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
Hello, I've been trying to login into the account and verify my identity. I have been contacting the company since XX/XX/2022 but no answer. I've tried calling the number but noone answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: ID

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of outdated accounts from my credit report. After reviewing my credit report, I noticed that there are several accounts that are more than seven years old and should no longer be reported.

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 2023-12-06 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-06 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Foursight Holding LLC
State: GA

Complaint narrative:
Hello! I had a car loan through foursight Capital. I was making my payments online through credit card until one time I had to make it through cash and they claimed they never got it but they had it the whole time while treating me ridiculously rude. Saying I never sent in my payment. Then they eventually found it and it was too me for my next payment. Well, I called to make my payment through credit card and the lady told me We close in 7 minutes to call back tomorrow. That I had time to make my payment and that no one was going to come and repo my car. I got up the next day to find the repo man with my car already jacked up tried to get it where I could keep my car by calling them while he was there and they insisted that I pay the whole loan. Wouldnt take my payment online had to do a money order right then and there and now I cant even get a loan or anything because they put it on my credit. To make it even worse they did this days before my Birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Our mortgage was transferred from XXXX XXXX to Mr. Cooper. In Mr. Cooper 's letter of XX/XX/2023, we were notified that derived from its escrow analysis there would be a shortage and the amount needed to bring the account current would be {$2200.00}. In past years, prior to Mr. Coopers acquisition of our mortgage obligation from XXXX XXXX, when such an analysis had resulted in a shortage, we paid that amount, primarily to keep our payments as steady as possible as we rely on fixed incomes. Therefore, we paid this shortage but to our amazement and utter surprise, we have been informed that the monthly payment would still increase as the action of paying the shortage did not result in what we were attempting to accomplish. 

In several conversations we have been unable to get an answer to why the monthly payment amount has changed so significantly. As noted in these calls to their representatives, my understanding of the escrow analysis and the subsequent is that he analysis is a projection of, and for protection against any shortage during the ensuing 12 months. Additionally and more importantly, the information provided by Mr. Cooper on its internet page states : You can prevent this additional monthly payment increase by paying the shortage as a lump sum before the new payment effective date, but this lump sum payment is not required and is completely voluntary. We paid the shortage. The staff members to whom we spoke say this is not the procedure and there is no recourse. Our monthly payment amount increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase Bank unexpectedly closed my account without providing any reasons. As an XXXX XXXX I have relied on Chase for over eight years for routine banking needs, including XXXX XXXX XXXX XXXX XXXX XXXX. The account closure occurred following a standard transaction for my XXXX XXXX, a typical and recurring payment in my banking history. 

This unexplained action has caused significant inconvenience and concern. I have always adhered to the banking norms and am unaware of any actions from my end that might have led to this closure. Therefore, I request a detailed explanation from Chase regarding the specific reasons and circumstances that prompted this decision. 

I am prepared to cooperate fully and provide any necessary information to clarify this matter. However, I wish to ensure that my personal details, such as my name, account number, address, and Social Security number, remain confidential at this stage of the complaint. I am seeking the CFPBs assistance in resolving this issue promptly and transparently to understand and address any misunderstandings or errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There was an XXXX XXXX XXXX, once I found out my information was compromised I started to do research on the matter and learned how to access my credit report. I called and sent letters to the creditors that I did not recognize or give permission for these accounts to be open. I also sent in proof of identification and FTC report numerous times. This breach has affected my credit score and livelihood. I have spent countless hours trying to the bottom of this. 

Capital One Fraud Began XX/XX/XXXX Amount {$2800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC
State: DC

Complaint narrative:
I have already paid off the debt for Total Visa Card ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as XXXX XXXX XXXX XXXX ( reference number XXXX ). I have realized that I have been paying XXXX for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid XXXX XXXX XXXX XXXX {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and XXXX via their online portals regarding validation of the debt and have not received a response from either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: DC

Complaint narrative:
I have found a credit inquiry on Equifax and that inquiry is not mine 's. XXXX XXXX XXXX  never extended me no line of credit. I never did any business with them. 

I do not know why they are on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: LA

Complaint narrative:
XXXX XXXX is my name and I am a victim of Identity theft. I have been reaching out to these companies since XX/XX/2023 stating that these are not my unknown inaccurate accounts but they have been ignoring my letters. By Law these companies are not to report anything on my behalf without my written consent and that they are to investigate to make sure that the information reported is 100 % accurate. Each company is reporting something different on each account, which is a violation of the FCRA. These companies continue to violate my consumer rights and is negatively tarnishing my name. I have experienced XXXX XXXX, financial hardships, and embarrassment due to this inaccurate unknow information reporting on my credit report. I am not being treated fairly and I want these companies held accountable for breaking the law!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: LA

Complaint narrative:
XXXX XXXX is my name and I am a victim of Identity theft. I have been reaching out to these companies since XX/XX/2023 stating that these are not my unknown inaccurate accounts but they have been ignoring my letters. By Law these companies are not to report anything on my behalf without my written consent and that they are to investigate to make sure that the information reported is 100 % accurate. Each company is reporting something different on each account, which is a violation of the FCRA. These companies continue to violate my consumer rights and is negatively tarnishing my name. I have experienced XXXX XXXX financial hardships, and embarrassment due to this inaccurate unknow information reporting on my credit report. I am not being treated fairly and I want these companies held accountable for breaking the law!!!!

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