vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: NY

Complaint narrative:
I am promised accuracy on my consumer reports based on Federal laws and there are more than 42 errors also collections & charge offs. Company in question is ( TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have disputed these items multiple times because of these errors its affecting my ability to obtain more and new credit because of damaging low credit scores which is insane because I am aware of my status of unlimited credit living as a private citizen and also status of a XXXX XXXX out all jurisdiction without prejudice. Below is a list of laws supporting my claims pertaining towards collections, charge off, privacy, misleading information, unauthorized permission, and many more All companies on my consumer reports are in violation of all these laws ( 15.USC1681 ) ( 15.USC1681B ) ( 15.USC1681C2 ) ( 15.USC1681S2 ) ( 18.USC-8 ) ( 15.USC1681B2 ) ( 15.USC1681-4 ) ( 15.USC1681EB ) ( 15.USC1611 ) ( 15.USC1681SA\B ) ( 15.USC-SA1-5 ) ( 15.USC1681/602A/604 ) There are so many Violations I can keep going just by looking at all these accounts. I'm going to attach copies of the many letters I sent out to the companies.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern I was a victim of the equifax data breach and recently called because there are unauthorized inquiries on my credit report. I have asked that the this information be removed due to me having no knowledge of those information listed as inquiring on my report. My information was leaked by your company and now this. Please delete the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I opened a Kraken Account on XX/XX/year>. Deposits have been made to them on XX/XX/XXXX ( {$54000.00} ) and XX/XX/XXXX ( {$100000.00} ). Kraken informed me on XX/XX/year> that they were closing my account in XXXX hours. I could withdraw remaining balance of $ XXXX, but efforts went to nil as they were not clear about wire transfers requirements. I have emails from Kraken of updated withdrawal methods on XX/XX/XXXX to my XXXX Account XXXX. Ticket # XXXX. 

Kraken closed my account on XX/XX/XXXX without transferring or letting me to withdraw remaining balance. On XX/XX/XXXX I received email from Kraken asking for more bank statement information which I provided. same ticket number. On XX/XX/XXXX I provided detailed bank account statements for XX/XX/year>. I asked them to temporarily restore my Kraken Account asap to let me withdraw the remaining balance ( $ XXXX ). 
I have not heard back from this request.

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 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I am trying to enroll in the PAYE repayment plan and submitted my application on XX/XX/year> on the studentaid.gov website. They have processed the application and forwarded it to MOHELA for implementation. They have not placed me in the right plan for the last 3 months. This could lead to a longer time for PSLF forgiveness. I have attempted to call MOHELA, but the wait times and unhelpful customer service agents make it challenging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I bought a XXXX pre-paid visa gift card, XXXX transaction went fine in store, tried to use it on XXXX and they declined the charge XXXX separate times, but took the money. I have been on the phone with them for XXXX hours, and i keep just getting read the same prompts over and over. I just want my money back and they have ruined a little girls XXXX now. I hope you ban them from ever issuing cards in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: AR

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-19 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: CT

Complaint narrative:
I am writing to follow up on my previous disputes regarding inaccuracies on my credit report and to highlight discrepancies in reporting among the three credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough reinvestigation of the following accounts to ensure that my credit reports are accurate and consistent across all three bureaus.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING OF AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : CREDENCE RM ACCT # 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 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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a complaint against both the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Chase regarding a disputed transaction on my Chase Freedom Rise card. On XX/XX/year>, I was charged for a therapy session provided by XXXX XXXX XXXX, which I arranged through their contact number ( XXXX ) XXXX and website https XXXX XXXX Prior to the session, XXXX XXXX XXXX, managing the front desk, assured me that XXXX XXXX was a licensed psychologist capable of independently conducting sessions in Georgia. 

However, post-session, it became apparent that XXXX XXXX lacked the professional conduct expected of a qualified psychologist. After verifying her qualifications and questioning the wellness center, I discovered that she is not licensed to practice independently and was under the supervision of XXXX XXXX XXXX XXXX. This critical information was deliberately concealed from me until after my session. The consent documents I had signed mentioned only XXXX XXXX, indicating an attempt by the center to obscure the fact that she was not qualified to provide the services independently. 

XXXX XXXX 's lack of qualifications severely compromised the quality of the service provided, affecting my trust and raising concerns about the integrity and confidentiality of the therapy. When I challenged the wellness center about her practice and requested cancellation of my automatic payment, they ceased communication and deleted my account from their patient portal, preventing me from downloading any documentation. 

Despite providing Chase with evidence of the misrepresentation and the poorquality of the service, Chase concluded that since the service was rendered, irrespective of its quality, I am obliged to pay. They insisted that I resolve the issue directly with the wellness center, even though I had told Chase that all my communications have been ignored. Furthermore, Chase refused to assist in canceling the automatic payment set up with the merchant, advising me to monitor my account myself.

Given these circumstances, I am seeking intervention from the CFPB to address this clear case of fraudulent misrepresentation and the refusal by Chase to acknowledge the core issue regarding the quality and legitimacy of the psychological service billed. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On Monday XX/XX/XXXX My car was REPOSSESSED By XXXX XXXX XXXX XXXX XXXX. Ive Not Received any Knowledge of it being repossessed due to the CEASE AND DESIST Ive in place for the finance company to validate the contract & send an Updated LIEN. Theyve took my car and I went to the tow truck place and told them that my vehicle is in my name and Im the lien holder & tried to show them the UCC-1 that has been filed back in XX/XX/XXXX. They didnt show me any documentation at all when I asked what westlake XXXXent them to get my car. told westlake this numerous of time & they still have not acknowledged this. Theyve towed my kids stuff, Im XXXX XXXX XXXX I had miss my doctors appointment my kids missed school because of this!

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 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Filed a police report and FTC report, disputed accounts with the credit bureau and requested a debt validation letter and documentation on debt, nothing has been sent. The workers at the company are very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 2024-12-19 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: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to not acknowledging fraudulently opened accounts. XXXX XXXX Acct # XXXX {$2100.00}, XXXX XXXX XXXX Acct # XXXX {$560.00}, XXXX Acct # XXXX {$290.00}, XXXX  XXXX XXXX Acct # XXXX {$190.00}, XXXX XXXX Acct # XXXX {$5000.00}, XXXX XXXX Acct # XXXX {$620.00}, XXXX XXXX Acct Acct # XXXX {$1400.00}, XXXX XXXX Acct # XXXX {$4000.00}, XXXX XXXX  Acct # XXXX {$1000.00}, XXXX XXXX Acct # XXXX {$1400.00}, XXXX XXXX Assistance Acct # XXXX {$890.00}, XXXX XXXX Acct # XXXX {$1200.00} Be advised these accounts are reflecting duplicate reporting as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to not acknowledging fraudulently opened accounts. XXXX XXXX Acct # XXXX {$2100.00}, XXXX XXXX XXXX Acct # XXXX {$560.00}, XXXX Acct # XXXX {$290.00}, XXXX  XXXX XXXX Acct # XXXX {$190.00}, XXXX XXXX Acct # XXXX {$5000.00}, XXXX XXXX Acct # XXXX {$620.00}, XXXX XXXX Acct Acct # XXXX {$1400.00}, XXXX XXXX Acct # XXXX {$4000.00}, XXXX XXXX  Acct # XXXX {$1000.00}, XXXX XXXX Acct # XXXX {$1400.00}, XXXX XXXX XXXX  Acct # XXXX {$890.00}, XXXX  XXXX Acct # XXXX {$1200.00} Be advised these accounts are reflecting duplicate reporting as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Subject : Formal Complaint Against PHH Mortgage Services Corporation Dear CFPB, I am filing a formal complaint against PHH Mortgage Services Corporation regarding their failure to provide accurate and timely information about XXXX mortgage loans I originated in 2006, as well as their inconsistent and unhelpful customer service. 

Here is the background of the issue : I originated XXXX separate loans with XXXX XXXX in 2006 : A {$140000.00} loan recorded in XXXX XXXXXXXX XXXX XXXXXXXX  under Doc # XXXX, Book XXXX, Page XXXX. 
A {$35000.00} loan recorded in XXXX XXXXXXXX XXXX XXXXXXXX  under Doc # XXXX, XXXX XXXX, XXXX XXXX. 
I was recently informed that these XXXX loans may have been merged by PHH Mortgage Services Corporation. 
Over the past four weeks, I have repeatedly requested documentation from PHH Mortgage Services Corporation to confirm whether the loans were merged. Unfortunately, the company has failed to provide clarity or accurate records, causing significant delays in my efforts to sell the property. 

Specific issues include : Inconsistent Information : Different representatives provide conflicting answerssome claim the loans were merged, while others insist they were not. 
Failure to Provide Documentation : Despite multiple assurances that I would receive the requested documents, XXXX sent paperwork for an entirely different property, which was irrelevant to my case. 
Excessive Delays : I have spent hours on the phone and followed up numerous times, only to encounter repeated roadblocks and confusion. 
This lack of transparency and accountability has caused considerable frustration, delayed my ability to sell the property, and wasted valuable time. 

I am seeking the CFPBs intervention to : Ensure PHH Mortgage Services Corporation provides clear and accurate documentation regarding the status of these loans. 
Hold the company accountable for their poor customer service practices and failure to provide timely and accurate information. 
Thank you for addressing this matter. I am happy to provide additional details or documentation to assist in your review. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Within the last year havent had reported several missed payments and are STILL reporting inaccuracies on my account

Company response to consumer: Closed with explanation