vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
After 2 very long calls and a chat session, Transunion has confirmed that they've lost/deleted my entire Transunion Credit Report. I am XXXX XXXX XXXX ( XXXX in a few weeks ) so it's a lot of information. This is causing a huge problem in trying to qualify for certain loans and financing and their representatives on the phone have told me they have no idea how to fix something like this. 

The last copy of a Transunion report I have is from XXXX  but it at least shows that at one point they had my information and they were making it public. 

I'm just trying to find out how I can get this fixed. Thank you for any help you can provide. 

In the upcoming steps you've asked for my identifying info so you can verify my identity with Transunion and file the complaint. You won't be able to do that because when they try to find me they get an error that says " credit report doesn't exist ''.

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 2024-10-31 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:
Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations
associated with the above-referenced account. Your agencys incorrect reporting of this account 
violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage 
to my credit profile. Immediate correction is required to avoid further escalation.
Violations Identified for the XXXX Account
1. Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts.
2. Discrepancies in Last Activity Dates
o XXXX  lists the last activity as XX/XX/2024, while Experian reports it as 
XX/XX/2024, and Equifax reflects XX/XX/2024. This inconsistency directly violates 
611 of the FCRA, which mandates accurate and consistent reporting.
3. Failure to Align Payment History with Account Status
o The payment history indicates multiple late marks even after the account is 
marked paid and closed, which creates an inaccurate reflection of the account's 
standing.
4. Dispute Status Not Updated
o The account is incorrectly marked as "Account Not Disputed", despite previous 
efforts to correct the reporting. This non-compliance with 623 of the FCRA
demonstrates a failure to properly handle disputes and ensure accurate updates.
5. Conflicting Remarks and Status
o Remarks state, "Closed or paid account / XX/XX/XXXX, fixed rate," yet late 
payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations
associated with the above-referenced account. Your agencys incorrect reporting of this account 
violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage 
to my credit profile. Immediate correction is required to avoid further escalation.
Violations Identified for the XXXX Account
XXXX Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts.
2. Discrepancies in Last Activity Dates
o XXXX  lists the last activity as XX/XX/2024, while Experian reports it as 
XX/XX/2024, and XX/XX/XXXXreflects XX/XX/2024. This inconsistency directly violates 
611 of the FCRA, which mandates accurate and consistent reporting.
3. Failure to Align Payment History with Account Status
o The payment history indicates multiple late marks even after the account is 
marked paid and closed, which creates an inaccurate reflection of the account's 
standing.
4. Dispute Status Not Updated
o The account is incorrectly marked as "Account Not Disputed", despite previous 
efforts to correct the reporting. This non-compliance with 623 of the FCRA
demonstrates a failure to properly handle disputes and ensure accurate updates.
5. Conflicting Remarks and Status
o Remarks state, "Closed or paid account / XXXX XXXX, fixed rate," yet late 
payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.

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 2024-10-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Late Payments on Account # [ XXXX, XXXX, XXXX, XXXX, ] Dear Sir/Madam, I am writing to dispute the late payment ( XXXX ) reported on my credit file under the account referenced above. After reviewing my credit report, I have reason to believe that the reporting of these late payments is inaccurate, incomplete, or unverifiable. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe, you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law. 

I expect this matter to be resolved within 30 days, as stipulated by the FCRA. 

Thank you for your attention to this important matter. 

Sincerely, 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 2024-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
After several phone calls to Mohela with no luck getting my refund resolved I wrote and mailed a letter to Mohela on XX/XX/year> and stated " My account was paid off on XX/XX/year>, and overpaid in the amount of {$1800.00}. Please let me know how you can help me obtain my refund of {$1800.00} on confirmation # XXXX as soon as possible. 

I overpaid my account by {$1800.00} please reference confirmation # XXXX and would like to be refunded this amount as soon as possible. I have contacted and connected with your customer service team on three occasions and unfortunately each time there was some sort of issue with either completing the refund request, or accessing my account and for some reason Im told they couldnt even access the notes made by each customer service agent regarding my phone calls. Each time I was told a supervisor would call me back within 48 hours and much to my disappointment have yet to receive such a call. 

I did not received a reply to this letter so I called Mohela again on XX/XX/year> and spoke to a supervisor named XXXX ID # XXXX. XXXX confirmed that this amount was overpaid and said she would put in the request to process the refund in the amount of {$1800.00}. She said that she would call me back on XXXX XXXX to confirm this refund request has been processed but unfortunately she did not call me. When asked the timeline when I would receive my refund she said the process takes 5-7 days then gets passed on to The Dept. of Treasury and they would in turn issue my check in 6 weeks. 

As of XX/XX/year> I have not received my refund so I called Mohela again and spoke to XXXX who was advised to advise me to speak with XXXX XXXX again. I was transferred but not to XXXX directly, and instead had to answer voice prompts of which I apparently answered incorrectly so my call was automatically disconnected. 

I'm at my wits end at this point. I am hoping you can help me get my refund please. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: IL

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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint against American Express ( Amex ) due to misleading information and lack of transparency surrounding an {$800.00} Amex gift card I purchased for online transactions. My goal was to use this card for essential payments to XXXX XXXX XXXX ( for condo fees ) and XXXX XXXX XXXX ( for a digital document fee ). On XX/XX/year>, I attempted to make these payments online multiple times between XXXX XXXX and XXXX XXXX, but each transaction was declined by Amex, despite valid funds and reputable merchant services. 

Upon contacting Amex Gift Card Customer Support immediately afterward, I was informed by the agent that they could not identify the reason for these declines. The agent indicated that an error in Amexs online advertisement led to a misunderstanding ; apparently, not all online merchants accept the Amex gift card, even though this limitation was not disclosed to me at the time of purchase. The representative confirmed that Amex would neither issue a refund nor provide any alternative solution to resolve this issue, effectively preventing me from accessing my own funds.

This lack of transparency, combined with Amexs refusal to refund the balance or provide a workable alternative, has caused significant inconvenience and limited my ability to fulfill essential financial obligations. I am now unable to use the funds I allocated specifically for these transactions, resulting in both financial and time-related stress.

Resolution Sought : Refund of {$800.00} : I am requesting a full refund of the gift cards balance to recover the funds I intended to use for necessary online payments.

Clear Disclosure of Merchant Acceptance Policy : I ask that Amex revise its advertising to include a clear disclaimer about limitations on merchant acceptance for the gift card. This would prevent other consumers from experiencing similar issues in the future. 

I appreciate your attention to this matter and look forward to a resolution that allows me to access the funds I have already paid for and planned to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
There are many problems with this lender but for the sake of this claim- I had to declare bankruptcy to protect my home due to their deceptive practices, and as I was exiting bankruptcy after 5 yearsthey didnt cash one of the final payments from the court. The check was eventually canceled all the while they were charging me late fees etc. They didnt miss a payment in 5 years but miss the next to last one.after the check canceled, the court moved the money to unclaimed funds. It sat there for MONTHS until I got them to finally request the funds. The court then alerted me the funds were mailed to them and almost a year later the funds have still not been accounted for or posted to my account. They do this hoping home owners wont be able to pay and fall into foreclosure. This lender and servicer are terrible. They should not be allowed to process or lend to potential home buyers. They send people to my home to check if the home is occupied and charge me for that. I have over XXXX in fees that should not be charged to my account. Please help me find this missing payment. This bank has cost me enough. I only declared to prevent them from being able to take my home. NONE of the legal processes were followed and my NEIGHBORS are the ones that told me my house was in foreclosure originally. You can see how distraught I have become over this bank and lender. I have made request after request and my lawyer has made attempts as well. We get the same song and dance that they will investigate and get back to meonly they never do. Your assistance is greatly appreciated.

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 2024-10-31 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31 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:
I have known that i was a victim of identity theft for a while now, however i have been unsucessfull in. getting this account removed. Finally i have to resort to filing a police report. The account is XXXX XXXX. Please block this account from mycredit as required by 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 non-monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-31 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: AL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-10-31 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Multiple collections for nondescript accounts have been added to my credit report over the span of 30 days with no notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Debt Verification Request Account Number : [ Account Number or Reference Number ] Dear [ Debt Collectors Name ], I am writing to request verification of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I recently received a notice from your company concerning this debt, and I am requesting that you provide sufficient verification.

Please provide the following information : 1. Verification of the debt, including the original creditors name and address.

2. Proof of the amount owed, including any fees, interest, or additional charges added to the original balance.

3. Verification of your authority to collect this debt, including any documentation that you are authorized by the original creditor to collect on this debt.

Until I receive this information, please consider this debt to be in dispute. Additionally, under the FDCPA, I request that you cease all communication with me regarding this debt except to provide the requested information or to notify me of any specific actions taken with respect to this account. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Sincerely, [ Your Name ] Important Note : Send this letter via certified mail, with a return receipt requested, to have proof that you sent it and the agency received it. Always keep a copy of the letter and the return receipt for your records.

Company response to consumer: Closed with non-monetary relief