vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2023 BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Never open account. ID Theft

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 2024-02-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE INQUIRIES FROM MY CREDIT REPORT. 


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. 



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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 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
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a loan I took out for a friend of mine ( big mistake, I know ) then I let him do payments. He was falling behind on payments, and I was on him about getting everything paid off. He said he would take care of it, the borrower used to call me, and I would be aware of the issue in which I made some payments personally. They abruptly stopped calling, stopped sending me emails so I assumed the issue got resolved. Turns out they sent it to collections without my knowledge and did not warn me in advance. Either in person or via email. Now I have a bad mark without the opportunity to take care of it in advance. I am trying to find a new home and keep getting denied. If anyone can help or if there is any advice, please let me know. Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
I have an American Express gift card for {$1000.00} that I am unable to use. I have tried multiple retailers, online and in person, and it has been declined every time. I called the number on the back of the card and it is just an automated menu and I am unable to talk to a customer service representative to try to resolve this issue. I have a gift card that someone spent a lot of money on that I am unable to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-27 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: TX

Complaint narrative:
this account is reporting to my credit reports twice which is inaccurate. the amount is also inaccurate. and child support is also not a loan or line of credit and therefore should not be reported to my credit profile.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from 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 2024-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
My XXXX XXXX XXXX  matured on XX/XX/XXXX. On XX/XX/XXXX ( within 10 days grace period ) I closed the account and requested Ally bank a check be sent to me so I can roll it over to XXXX bank ( within 60 days ). This request was completed on the phone as well as by Ally form attached as a secure message to my online account. Ally bank ignored it, instead renewed my XXXX XXXX 
It took many phone calls and secure messages for the bank to acknowledge their error, and a check for part of my matured XXXX finally came on XX/XX/XXXX. However, since the bank already renewed the account, they deducted from my XXXX check a PENALTY amount. The rest of the check I immediately mailed to Synchrony bank. I requested Ally to return my XXXX money to the rolled over XXXX account which was already open at XXXX XXXX XXXX funded my rolled over account, and agreed to add the portion Ally illegally took, to the rollover XXXX account. They insisted Ally must explain their error in a letter with the check. They request Ally to send the check and letter to my residential address. So far Ally didn't and communication with them seems to go on deaf ears and lost in the shuffle. case number : 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 monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Regarding Bank of America 's promotion of credit card check payment, complaint ID : XXXX, submitted XXXX, status closed, " I still have not received the fees of {$400.00} from the Bank of America Credit Card ending in XXXX. This is due to the misexplanation by the Bank of America staff regarding the use of credit promotional checks. I incurred late fees amounting to {$4600.00}, in addition to the original tax fees of {$4200.00}. 

The Bank of America staff assured me that using the payment for tax would not be a problem, leading me to pay the tax bill. However, the Bank of America failed to forward the amount to XXXX XXXX XXXX twice, resulting in non-payment to the county. '' Please let them know what caused I used to pay their credit promotional check,

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 2024-02-27 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: NM

Complaint narrative:
XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT REPORTED A COLLECTION ON XXXX XXXX WITH A DOLLAR AMOUNT OF XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT. THIS COMPANY ALSO IS NOT LICENSED IN NEW YORK TO COLLECT A DEBT. I AM NOT SURE IF THIS IS A SCAM OR NOT BUT IT SIGNIFICANTLY HURT MY VREDIT SCORE, AND I DIDNT HAVE A CHANCE TO DISPUTE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
XXXX information services 15USC.1681SEC602 A consumer reporting agency can not furnish an account without written consent or instructions. After reviewing the information from my report I found inaccuracy in the said acct ending in XXXX. Which is not mine. I disputed the account with XXXX XXXX in XXXX and the collection was removed to only re appear on XX/XX/XXXX after my

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - 11/19 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - 11/19 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX5 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
As of XX/XX/2024, Synchrony Bank is starting to charge {$1.00} per month as " XXXX XXXX XXXX, '' which is pure greed and unjust enrichment. I am being extorted into accepting the change in terms and the {$1.00} " Paper Statement Fee or losing access and the use of my XXXX XXXX Account as I will be forced into closing my account if I don't accept the change in terms. be forced to close my account if I reject the fee. I believe this to be illegal as it's classified as a " junk fee. ''

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 2024-02-27 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: TX

Complaint narrative:
This account XXXX  act # XXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.

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 2024-02-27 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: CL Holdings LLC
State: GA

Complaint narrative:
I sent a validation letter to the company XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX. 
The information I requested to validated is listed below. 

The following information is required. Please fill out form below entirely : XXXX. Name and address of XXXX XXXX : XXXX. Name on file of alleged debtor : XXXX. Alleged account number : XXXX. Address of file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to the debt collector or purchased? __NO __YES XXXX. XXXX paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : XXXX. Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. 
XXXX. Signed agreement Debtor has made with XXXX Collector, or other verifiable proof Debtor has a contractual obligation to pay XXXX Collector. 
XXXX. Any agreement that bears the signature of XXXX, wherein agreed to pay XXXX. 
XXXX. All statements while this account was open. 
XXXX. Have any insurance claims been made by any creditor regarding this account? ( yes, no ) I have not received a response and it has been over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
I was in a payment arrangement with my mortgage company that ended XX/XX/year>. My XXXX mortgage payment was posted to my mortgage account on XX/XX/XXXX. On XX/XX/XXXX someone left a door knock on my front door. When I left the house on the XXXX at XXXX I saw the door knock. When I thought about it someone had knocked on my door between XXXX for about XXXX minutes on the XXXX. This door knock is from XXXX Mortgage which seems to be working with XXXX XXXX which services my XXXX Mortgage. I called the number on the door knock XXXX XXXX but was on hold for XXXX minutes and then disconnected, XXXX XXXX XXXX is on XXXX and was now open I then called them at XXXX. The XXXX that answered my call advised me that they have the right to come to my property any time they want to confirm I live there and I asked is that why they came without an appointment or phone call? This XXXX could not tell me why they came to my home. How and why am I expected to open my door to a complete stranger??? I have not received any calls from my mortgage company nor has any mail been returned, but they are going to send someone to my home. Is XXXX Mortgage the strong arm of XXXX? Why all of a sudden are people being sent to my home? Was it because I did not pay my XXXX mortgage until XX/XX/XXXX? What other XXXX customers that were in arrears as of XX/XX/XXXX had a door knock with or without an appointment? What are the zip codes of those in arrears because this seems like another form of relining. This is bullying and intimidation. What was this person knocking on my door going to say if I had opened it?? I don't know many single women or people in general who answer the door to a random door knock when they are not expecting someone.? As of today, no one from the mortgage company has called to explain why they came to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Nelnet, Inc.
State: CA

Complaint narrative:
This is a simple complaint against the department of XXXX. I have spoken with them both personally and on a conference call with a XXXX  party. Every time I spoke with them, they claim I don't have any student loans. The last time I spoke with them on the conference call, a XXXX from the Department of XXXX stated that she can't find a single student loan with my name, address, or my social security number. When I then try to dispute the student loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the Department of XXXX claims I don't have any accounts or that I am not found on any student loans? It's been months of trying to correct this only to not receive any help in doing so from either the Department of XXXX  or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
This account does not belong to me it belongs to 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