vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
On XX/XX/XXXX I started receiving text messages stating that my account was due for amount of from XXXX XXXX. I called the XXXX inquiry about the message and provided my mail address and phone number. The repersentive of XXXX stated that XXXX was no longer in business and that the company sent all account connections with XXXX XXXX  to them and that I had a balance of {$130.00} due on the account. I mention to the representative that I had already paid out the balance on the account in stores did not have any remaining balance left over and ask that the representative prove information of the remaining balance. I confirmed my mailing address as well as email and the representative stated that they would provide the information months past no mail of phone calls only text message stating a balance due. I contact the company again requesting the information as well as dispute with Experian. No documents were provide and received I submitted another dispute with experinan XX/XX/XXXX awaiting response as well as contact the company requesting the documents.

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 2025-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
Re : CPFP Case No. : XXXX ( the Case ) ; XXXX XXXX XXXX ( the Consumer ) and XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX ( the Property ) To whom it may concern : The Bank of New York Mellon ( BNY ) has completed its research of the Property. Our research shows that BNY performed administrative services in connection with your loan on the Property a number of years ago. The servicer for your loan is the party who is required to service the loan, which includes, among other things, determining whether to modify, foreclose on, or respond to Consumers concerns related to, the loan. BNY advises you to reach out to your servicer for assistance. Please update your records to reflect that your lender or servicer is the appropriate responsible party to respond to the Consumers concerns. BNY The statement you sent me is inadaquate send me the documentation you have and check the law 31 CFR 1020.410 - Records to be made and retained by banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$260.00}. Inquiries : XXXXXXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My XXXX was forcibly robbed from my possession the evening of XX/XX/year>. By the time I was able to get to another device and freeze my banking account or disable my stolen phone, there were two fraudulent charges made from my bank account through the phone. One of these was an XXXX XXXX payment, another was a XXXX payment. I reported the crime with Chase 's customer support service once open the following morning of XX/XX/year> and gave them all information about the robbery and fraudulent activity. On XX/XX/year>, the fraudulent claims were finished processing, and one claim was approved and one denied. The reason for the denied claim was that their team found evidence that my XXXX XXXX ID scan was used to verify my identity, so they did not see it as fraudulent. This did not, however, apply to the other claim and they were unable to provide any source or evidence from the claim that my XXXX XXXX  was used to make the transaction, which is impossible as I did not have possession of my device at the time of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accurate information on my credit report like loan and payment History No mind still reporting on my Credit file Im asking it be move immediately I have Dispute this account several time the credit.bureau Never verified these account was mind I feel like these companies in violation according to the 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 explanation
Consumer complaint received 2025-01-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXXXXXX  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 seven 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. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX EMPLOYERS NOT RECOGNIZED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX 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 seven 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. 
NAMES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX EMPLOYERS NOT RECOGNIZED 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 2025-01-12 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: Global Lending Services LLC
State: GA

Complaint narrative:
I am writing regarding my Global Lending Services account XXXXwhich has been paid in full and is now closed. While I appreciate that the account reflects a {$0.00} balance, I am disputing its continued reporting on my credit report as it is no longer relevant or necessary for my creditworthiness. 
Legal Basis for Dispute I request a thorough investigation of this account and its removal from my credit report based on the following laws : 1. 15 USC 1681c : Closed and obsolete accounts with no balance or active obligations should no longer appear in consumer credit reports.

2. 15 USC 1681s-2 ( a ) : Furnishers of credit information must ensure its accuracy and relevance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I submitted a dispute to XXXX to verified a debt for midland credit management XXXX and they keep telling me its verified and its ky debt please review this no matter how many time I dispute they they keep telling me the same thing I asked for proof of debt a signature something but I have not gotten anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year> RE : You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) so check this out recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didntnotify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXX Account # XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
I am a victim of the XXXX data breach, which resulted in my identity being stolen and used to create a fraudulent account. I disputed this account through TransUnion and submitted the required documentation, including an FTC Identity Theft Report. While the credit bureau removed the account linked to the collection account, they have failed to remove the collection account itself. Despite both accounts being disputed simultaneously using the same FTC report, TransUnion is now claiming the report does not meet the criteria to remove the collection account. Furthermore, the dispute has remained open for over 30 days without any documentation from the creditor verifying the account 's accuracy. TransUnion has even reopened the dispute beyond the XXXX day period, still with no communication from the creditor. Also, without the removal of the account. As a consumer, I have the right to request the removal of this account after the dispute was opened for 30 days with no validation of the debt from the creditor.

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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I just notice a fraudulent hard inquiry on my credit report made by XXXX CARD on XX/XX/year>. I'm not sure on this happened. I called my bank to let them know that it was not me who made this inquiry. They said that I should place a credit alert and freeze on my personal credit profile. I told them I would like this inquiry removed from my credit report immediately.

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 2025-01-12 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: Self Financial Inc.
State: GA

Complaint narrative:
This information is negatively affecting my creditworthiness, and I am requesting an immediate. I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneouinvestigation Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
I had went to the hospital and had insurance at the time I went, but didnt have my insurance number on hand. I later called the hospital and gave them my insurance number and resolved the issue with the hospital a few months later I see this debt reporting on my credit I do not owe this deck collection company. They do not own the debt ive asked for proof of ownership and was never provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
THEY CONTINUE TO REORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
All the accounts that i have on experian are not mine i have sent multiple messages to them Disputing transactions and they dont give me an answer i requested that information be sent to me regarding these accounts on Experian i get no response other than the accounts are accurate my social is XXXX XXXX XXXX Full name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trl XXXX XXXX La 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 2025-01-12 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: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: CA

Complaint narrative:
Creditor Debt : XXXX XXXXXXXX XXXX Current XXXX Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Reference : XXXX Debt Amount : {$12000.00} Reason : The XXXX XXXX XXXX XXXX was repossessed in XX/XX/XXXX and vehicle was sold at auction leaving me with the remaining balance of interests in debt! I was not able to pay the prior months of this vehicle prior to the repossession because of the a job lay-off I endured during that time. I can not afford to pay this debt anymore and it is now listed on my credit report preventing me from financing or leasing a new vehicle in 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