vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
XXXX has stolen money submitted unilaterally that I sent on XX/XX/year> for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.

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 2024-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has stolen money submitted unilaterally that I sent on XX/XX/24 for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name:XXXX Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report Below is a list of hard inquiry that I don't know of XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Credit Cards XX/XX/XXXX TransUnion Public Information Top

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name:XXXX Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report Below is a list of hard inquiry that I don't know of XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX Public Information Top

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
A company Wakefield and Associates suddenly appeared on my credit report and has been contributing to my low score. I have no knowledge of this account and also do not have any knowledge of the company they say is the original creditor. I have no idea why this is being listed on my credit and hurting my score when it is not my debt and must belong to another with the same name or else is somehow fraudulent. I do not owe this company any amount of $ and have no contract with them or the company they are associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX is still reporting on my credit report for over 7 years

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Nowhere in the consumer law shows where it is okay to transfer or sale my personal information to another company without my written Consent, permission and authorization even when it comes to my student loans. I was on a program with federal student loan where my loan would have been forgiven this year due to my income. They broke a contract an sold my information to another company. 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2024-01-24 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: Weber & Associates, Inc.
State: OK

Complaint narrative:
Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account Type : Collection Agency/Attorney Account Rating : Payment After Charge off/Collection. Portfolio Type : Collection Owner Of Account : Individual Original Creditor : XXXX XXXX XXXX XXXX Placed in XXXX XXXX Last Verified Date XXXX XXXX XXXX Amount Owed {$1500.00} Past Due Amount {$0.00} Last payment {$0.00} Last Payment Date N/A. This is what is showing in my credit report. I have never been to a clinic or hospital of such for services, this account was was opened fraudulent. It could be someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AZ

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}

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 2024-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX is still reporting on my credit report for over 7 years

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 2024-01-24 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MOHELA
State: TX

Complaint narrative:
Nowhere in the consumer law shows where it is okay to transfer or sale my personal information to another company without my written Consent, permission and authorization even when it comes to my student loans. I was on a program with federal student loan where my loan would have been forgiven this year due to my income. They broke a contract an sold my information to another company. 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
After we sent in the XXXX packet, instead of getting assistance with our mortgage payments, we were told our mortgage payments would increase due to escrow going up. I asked for information as to how that's possible when our payments should decrease due to being tax exempt. Planet Home Lending has done nothing to help us fix the issue that they created in the first place. We sent them everything they requested and instead of helping us, they denied our application. We did everything they asked of us and they increase our payment, charging us late fees, and have yet to tell us why. There are numerous complaints about this company on the XXXX  website and they continue to ignore the consumer, interrupt when the consumer is trying to give information, fails to communicate with other departments, do not return phone calls to consumers, and lie. We were told we would have only one point of contact but when requesting that person they aren't available and we are forced to speak with someone who has no clue about our account, refuses to read comments, and sends the call to a csr that tells me I need to talk to the department that transfered me. Please, someone please, take any accounts that are government backed mortgages away from this servicer. Please do not allow them to purchase any loans and please make them stop the way they do business. They need to be looked into for violations of the Fair Dept Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A company XXXX XXXX  XXXX suddenly appeared on my credit report and has been contributing to my low score. I have no knowledge of this account and also do not have any knowledge of the company they say is the original creditor. I have no idea why this is being listed on my credit and hurting my score when it is not my debt and must belong to another with the same name or else is somehow fraudulent. I do not owe this company any amount of $ and have no contract with them or the company they are associated with.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, someone, without my authorization, withdrew {$1400.00} from my ChaseBank checking account, twice, totaling {$2800.00}. In addition, I was charged with a fee of {$40.00}, twice, totalling {$80.00}. 
There was also an unauthorized money transfer of {$4000.00} from my savings into my checking account, prior to the two withdraws mentioned above. 

My account was subsequently locked but I was not notified. 

I had no idea there were unauthorized accesses to my account and therefore did not log into my account until XX/XX/2023, by which I realized my account was locked. 

Upon contacting chase, they informed me my account was locked due to possible fraudulent activities being detected. This was when I first discovered the unauthorized withdraws. I filed a fraud case with Chase bank and a week later, heard nothing. On XX/XX/2023, I called chase again and was told my case was closed because I filed the fraud complaint past their 90 day deadline. 

I got a lawyer to send a demand letter in XXXX of XXXX and got XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
As of XX/XX/XXXX I have have made numerous complaints to Experian about an address that was reported on my credit report that wasn't my address instead of removing they updated my current address and didn't remove the wrong address. Then I made reports about inquires on my credit report and once again they refuse to remove false reporting. As of XX/XX/XXXX I was informed by CFPB that Experian replied to my complaint from last year to inform that I'm a third party. I've sent Experian my Drivers license and also uploaded a copy to CFPB due to Experian telling me they never received my mail. This is Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. These are the fraudulent information Experian refuse to remove XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX I made a complaint to the FTC and 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bright Capital Inc
State: KS

Complaint narrative:
These people are a complete rip off. They took {$89.00} from me and I NEVER signed up for a membership. I NEVER even gotten an email saying thanks you or NOTHING to welcome me and my membership. I just looked on my account and I see a {$89.00} transaction for a membership that I never agreed to. There is no one to talk to. I tried to contact the chat but that is again complete scam doesn't work and I didn't get any refund yet. My info : XXXX for their reference. Thanks

Company response to consumer: Closed with explanation