vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following statement below was sent to TransUnion : Subject : Unauthorized Removal of Account and Request for Compensation Dear TransUnion Consumer Relations, I am writing to bring to your attention a concerning incident regarding my credit report and the unauthorized removal of an account without my permission. I have spoken with an XXXX  base Supervisor, XXXX, who confirmed that a representative from TransUnion accidentally removed the XXXX account from my file, causing significant damage to my financial standing. Despite XXXX confirming that there is a paper trail leading back to the error, she has stubbornly refused to rectify the issue. 

Firstly, I want to emphasize that I am an authorized user on the XXXX account, and at no point did I grant permission to anyone, including TransUnion, to remove this account from my credit report. The removal of this account has had a detrimental impact on my credit score and financial stability. 

During my conversation with Supervisor XXXX, I found her to be unprofessional and unhelpful. Despite acknowledging the mistake made by TransUnion, she became frustrated with the issue and abruptly hung up on me. Such behavior is unacceptable and does not reflect the level of service and professionalism expected from TransUnion. 

Due to the negligence of TransUnion and the resulting damage caused to my finances, I will be seeking retribution for the harm inflicted upon me. I hereby request compensation in the amount of {$5000.00} for the loss of creditworthiness, ongoing financial repercussions, and the time and effort I will have to invest in rectifying the situation. 

In addition to this letter, I have also lodged a report with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX  ), and the Florida Attorney General 's Office. These complaints have been filed to ensure that this matter is thoroughly investigated and appropriate action is taken against TransUnion. Furthermore, I intend to file a civil lawsuit to seek legal recourse and hold TransUnion accountable for their actions. 

I kindly request a prompt response from your XXXX XXXX department to address this issue and provide an acceptable resolution. I believe it is crucial for TransUnion to rectify this situation as soon as possible to restore my credit report to its accurate state and compensate me for the harm caused. 

Please treat this matter with the utmost urgency, and I look forward to a prompt resolution from TransUnion. I can be reached at the contact information provided above should you require any further details or clarification. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and 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 non-monetary relief
Consumer complaint received 2023-10-13 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: NE

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I've made more payments than the original loan. And my car was repossessed over XXXX XXXX  short of a payment. The total balance i had to pay was XXXX to have title max release my vehicle. Thats already double the amount of the original loan. I want this account to be settled and close out and I want my title back., and that account still has a balance of XXXX XXXX XXXX  and something. I've already paid double.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NE

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it 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 non-monetary relief
Consumer complaint received 2023-10-13 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NY

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 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper took over as my mortgage servicer. They keep marketing products to me, but the basics of taking care of my mortgage ( specifically paying the right amount and right policy number to my home insurance company ), they've now messed up two years in a row, and getting a human representative on the phone to make corrections is nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is not my first time seeking help with the Consumer Financial Protection Bureau. Chase, having taken my extension of credit via acceptance of my open ended credit plan via my Credit Card ( SSC ), used a third party company to base my credit worthiness, which I only consented too because I was not nade aware I did not have too. I was never offended an opt out option. The use of credit of was never clearly and conspicuously make aware to me. This is only a handful of the violations tgey performed against me. I then sent a notarized affidavit of consideration plus cease and desist that they have failed twice now to rebut and thusly violent. They also, prior to the notarized affidavit, failed to comply with my verbal cease and desist request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
BOA failed to investigate fraud complaints of XXXXXXXX XXXX Claims were XXXX  and had not been investigated to this date. I had all BOA alerts and safeguards in place. I informed bank that I WITHDRAW my fraud claimed and please set a closure date for them to return to me my XXXX XXXX XXXX No one at BOA will talk to me and I have no idea of my funds since they also closed access to my accounts. I have a XXXX} BOA credit card due and since I have no access to my money or my account info, this bill can not be paid. I have visited bank and was escorted out by police. A quoteleave now because I do not care how old you are, I will take you to jail. Bad words for a bank holding ransom my money

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 monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Auto Loan with Bank of America was paid off on XX/XX/2023. On XX/XX/XXXX, we contacted B of A representative XXXX per telephone at XXXX. We were told that BofA will release the lien within 8 days and we should receive our pink slip within 3 weeks. Nothing happened, so we contacted XXXX again the middle of XXXX- she said she would check on it. On XX/XX/XXXX, we received a letter from XXXX XXXX at Bof A that said they had contacted the CA DMV to confirm our title work and that we should receive our title within 60 DAYS. Her telephone number is XXXX. On XX/XX/XXXX, we contacted XXXX at XXXX and she stated that they still had not received the lien release/title from the CA DMV, and said they would submit another request to the DMV. On XX/XX/XXXX, we contacted XXXX XXXX again and she stated that they had not received the electronic title yet and that she would reach out to the CA DMV as well as the dealer we purchased the vehicle from and would call us back on XX/XX/XXXX. 
Today, XX/XX/XXXX, we received a call back from XXXX and she found out that the DMV had issued what BofA needed on XX/XX/XXXX! However, she had no explanation as to whether our title was lost in their system or what had happened to it. Her " solution '' was to request another lien release and send it to US and that we would go to the DMV and request ( and pay for ) a duplicate pink slip. Their loan has been paid off for 4 months now, and we still do not have clear title to our car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
A {$9400.00} loan for a non-degree certificate program I participated in ( XXXX XXXX ) was sold to a XXXX party servicer. I recently received notification of an unpaid balance of {$1100.00} from SIMM Associates , Inc . It appears that SIMM Associates , Inc. reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of {$6000.00} was applied to the principal balance, but XXXX XXXX XXXX XXXX have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am XXXX. Under the agreement from the program per the program contract, payments can be paused for up to XXXX months at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX XXXX in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX  has continued calling me multiple times a day. XXXX XXXX XXXX XXXX reviews on SIMM Associates XXXX Inc. reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers. It is unclear what the connection is between XXXX XXXX, who the loan was supposedly sold to, and SIMM Associates , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Nelnet, Inc.
State: CO

Complaint narrative:
I made a payment of XXXX, it was the balance of my loan. The payment wasn't process for XXXX  days and as a result, the account accrued more interest. I called and talked with someone, who with XXXX approval, said they'd XXXX out my account and send me a letter of notification. Neither happened. I used the XXXX XXXX online feature, and XXXX week later I've had no response. My interest is now > XXXX Small but ridiculous. I paid it but am furious I'm paying again. This also means other people are paying more than they should on their accounts if payments don't stop the interest accrual on the updated primary loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
To whom it may concern, This is a good will letter asking for Celtic Bank XXXX credit card to remove the 30 day late payment from credit file. I am currently undergoing XXXX and had no one to assist me in paying my bills. This 30 day late has dropped my score significantly and I need special financing on medical equipment and they wont approve me due to the 30 day late payment. I am inXX/XX/XXXX need of this life changing device. Medical insurance is not covering the entire cost and ai have to finance the rest. Going forward I have set up automated payments so this wont happened again. Please excuse this 30 day late and have it removed from my credit file so I can get financing on my medical equipment. At the time of this payment I couldnt even walk and had a breathing tube down my nose. Thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Nelnet, Inc.
State: CA

Complaint narrative:
My student loans were transferred to Nelnet from Great Lakes. Once they transferred, I applied for deferment since I am eligible ( currently a student more than half time ). They have had months to process this deferment request. I did not pay my student loon payment that was due yesterday because I do not have to due to be being eligible for deferment. They now say my account is past due, have added interest to the loans, and reported to the credit agencies that I missed a payment, ruining my credit score which has far reaching affects. This is unacceptable. They need to right this situation ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: VA

Complaint narrative:
n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account XXXX ) had violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1792 ) prohibits collectors from various unfair practices, such as failing to validate the debt obligation, threatening litigation or other legal action, collecting on or reporting to credit on a debt you don't owe, harassing you, and engaging in fraudulent behavior.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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