vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In 2016, I was approximately 3-4 months behind in my home mortgage XXXX XXXX was the servicer at the time. In an attempt to become current, I sought help from XXXX. an agency that is " supposed '' to help homeowners. In the process, {$64000.00} to a current balance of {$150000.00} to {$210000.00}. 

I need a detail account of HOW and WHY {$64000.00} was added to my loan? I did not pull any money out and I did not have any home repairs done. Am I the victim of predatory lending?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
On or around XXXX XXXX to XXXX XXXX several unauthorized transactions were made from unknown person ( s ) in various amounts from my Chase Bank 's account. The bank did not stop the suspicious transactions ( withdraw ) from my account which proves that the bank has inefficient security system. I became a victim because of banks weak security system. 
The bank initially accepted its fault, and deposited back the money into my account. I immediately withdrew the money after the bank deposited back the amount into my account because I feared that I might get victim again. 

Later, bank argued that it was not banks fault and demanded the money back which it has deposited to my account. The bank even took the amount from my account which I deposited into it. I have not authorized bank to do so. Bank unilaterally made a decision to make me pay the money which it had deposited into my account. The banks illegal and harassing act towards me has made me suffer a lot. 
The amount in controversy is {$9000.00} ( XXXX XXXX dollars ). 
On XXXX XXXX, I sent letters to : ( 1 ) Chase Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX, and JP Morgan Chase Bank, N.A., XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXr , XXXX XXXX  , NY XXXX via certified mail services. I did not receive any responses from both aforementioned places.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
I have submitted multiple requests, via certified mail, to Experian trying to get them to correctly update their error in what has been reported on my credit report. I have sent multiple certified letters dated as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX : All certified letters were indeed signed and picked up by Experian, including proof of Experian 's error. Experian replies and states the same letter, without doing any investigation as requested by me, every time that the letter received isn't mine and will not proceed to correct their error. All my certified letters included the nature of the dispute ( update the XX/XX/XXXX report to current ; not 30 days late ), account number ( # XXXX ), months ( over 30 days late in XX/XX/XXXX ) to be corrected, my driver 's license, a copy of a current bank statement with my current address, and the documents to correct the error. This has cost my time, and money, and has damaged my credit score which has caused a serious financial loss in obtaining any loans, purchasing a house or property, and vehicles. This is an Experian error, that has greatly caused financial loss and a much higher interest rate that has and is still putting me at a grave financial cost due to Experian 's error. This is still going on after, in total, seven certified letters, with the same updated proof to Experian. Please help me in this matter. This Experian error has, in addition to others, cost me not to get an education loan to improve our education, improve income, help my community, and be financially secure ; in not getting loans with much lower interest rates, I am still paying for due to Experian lack of providing me what the law states, but Experian refuses to follow.

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 2024-06-28 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-28 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: NY

Complaint narrative:
I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 
I have submitted all required documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions involved. Despite the severity of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been sparse, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling neglected and unsupported by the institution I trusted to protect my credit and financial well-being. 
I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that you implement measures to prevent such incidents from recurring, as it is evident that my personal information was mishandled and exploited. 
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 non-monetary relief
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 
I have submitted all required documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions involved. Despite the severity of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been sparse, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling neglected and unsupported by the institution I trusted to protect my credit and financial well-being. 
I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that you implement measures to prevent such incidents from recurring, as it is evident that my personal information was mishandled and exploited. 
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 2024-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> I have no any utility accounts in XXXX XXXX California. I never lived in XXXX, I'm Identity theft victim, some one used my SSN number for registering utility account.

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 2024-06-28 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:
I am writing to file a formal complaint regarding four student loan accounts that are inaccurately reported on my credit report. These accounts were not known to me, and I have neither made payments nor received any correspondence regarding them until now. Despite my lack of knowledge or involvement, it has come to my attention that payments are being reported to credit bureaus in my name. 

Specifically, I am concerned about the following issues : Unauthorized Reporting of Payments : Payments are being reported to credit bureaus for loans that I did not take out and have not been informed of until recently. 

False Reporting of Closed Accounts : It appears that these accounts are falsely reported as closed. Such misinformation can adversely affect my credit score and financial standing. 

Misleading Information to Maintain Freshness : It appears that false information is being provided to credit bureaus, suggesting that payments have been made, likely to keep the accounts active and the reporting date fresh. 

These actions are not only inaccurate but also potentially damaging to my credit profile and overall financial well-being. I request a thorough investigation into this matter to rectify the inaccuracies and prevent any further misleading information from being reported. 

Furthermore, I believe this conduct violates several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : The FCRA mandates accurate reporting of consumer credit information and provides consumers the right to dispute inaccurate information on their credit reports. 

Fair Debt Collection Practices Act ( FDCPA ) : If applicable, this act prohibits debt collectors from using deceptive or unfair practices in attempting to collect debts. 

Truth in Lending Act ( TILA ) : TILA requires creditors to provide consumers with accurate and meaningful information about loan terms and conditions. 

I hereby request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into these four accounts and take appropriate action to correct any inaccuracies, prevent further misinformation, and ensure compliance with all relevant laws and regulations. 

Please find enclosed copies of any documentation I have regarding this issue for your review. I appreciate your prompt attention to this matter and look forward to your response. 

I am demanding a deletion of all four XXXX XXXX college account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
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 mis-statements 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. 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 this account. I demand you to delete fraudulent account now.

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 2024-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCSPLUS INCORPORATED
State: GA

Complaint narrative:
NTL CDT SYS aka NCSPlus Incorporated listed themselves as a Lender for a debt that has not been established as mine and has been disputed since they entered this information on my credit report as an open account since XX/XX/year> in the amount of {$56000.00} with XXXX XXXX XXXX as the Original creditor whom I have also disputed this debt against me along with filing a counter suit to the allege debt to which I don't owe. 
The company has entered this information under several different name on my credit report but it is still the same company - A dispute was replied after this company initially contacted me on XX/XX/year> and NCSPlus Incorporated still reported this account to the XXXX as a valid correct account. It was disputed with XXXX and NCSPlus Incorporated by me and it was not corrected or deleted. After I sent proof of debt not being correct, not valid and that I have not contracted with them nor was I a client that owed the debt. I was then sent another letter by NCSPlus Incorporated dated for XX/XX/year> threating to report me to XXXX, XXXX, and XXXX although they have already reported this information to the credit bureaus where they ( NCSPlus has already ruined my credit and I was denied a mortgage loan due to this incorrectly reported account ) that I never had with this company and defiantly for not the amount of {$56000.00}. I was further threatened to make payment even after disputing the debt amount, ownership, and validity of the debt. No judgments have been secured in this matter nor has a judgment been entered for this debt on behalf of the creditor nor NCSPlus Incorproated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureau refused to investigate I disputed XXXX XXXX XXXXXXXX XXXX as incorrect. And Experian refused to investigate, and instead email and stated it needed further identifying information from me, instead of investigating my dispute.

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 2024-06-28 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: FL

Complaint narrative:
NOTICE TOAGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT I am writing to formally dispute the information you have reported on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration proceedings provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, I am offering you a one-time opportunity to settle. You can compensate me with {$6000.00} for the mental distress, XXXX emotional distress, and financial hardship this inaccurate reporting has caused me. Additionally, you must delete the disputed trade-in from all reporting agencies. 

Here is a breakdown of the costs you will incur if this matter proceeds to arbitration : - Filing fee for both parties- Arbitration initiation fee- Arbitration deposit - Legal costs incurred throughout the arbitration process According to XXXX, these costs will be covered by you, and they can amount to XXXX XXXX XXXX of dollars. Therefore, it is in your best interest to settle this dispute amicably. 

I also demand that you cease and desist all illegal activities related to this matter, including any form of communication other than through mail. As per 15 USC 1692c ( c ), you are prohibited from contacting me via any other means once you receive this notice. This statute states : " 15 USC 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond to this letter within 15 days to confirm the removal of the disputed trade line and your agreement to compensate me for the damages incurred. Failure to respond will result in the initiation of arbitration proceedings, which will be significantly more costly for your company.

Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 
However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : New Inaccurate Names : 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 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 2024-06-28 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 
However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : New Inaccurate Names : 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 explanation