vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
Hello, I am reaching out regarding the following information I listed from reviewing my credit report. The inquiries listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the inquiries listed. Please advise thank you.

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 2024-05-18 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:
XXXX XXXX XXXX XXXX has illegally reported information to the credit reporting agencies and I have repeatedly asked for the removal of such information.

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 2024-05-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has illegally reported information to the credit reporting agencies and I have repeatedly asked for the removal of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has illegally reported information to the credit reporting agencies and I have repeatedly asked for the removal of such information.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Under FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-05-18 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: CA

Complaint narrative:
XXXX XXXX  charged me for an item I never received and didnt do anything to remedy the situation and sent me to collection. The purchase took place XX/XX/2023 for an item in the amount of XXXX dollars which is unbelievably unreal and I was held liable for merchandise I never received.

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 2024-05-18 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: PA

Complaint narrative:
Hello, I am reaching out regarding the following information I listed from reviewing my credit report. The inquiries listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the inquiries listed. Please advise thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation 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 TransUnion.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I was notified by Juno by CapitalJ , Inc. that my funds are not accessible via ACH nor debit card transactions. Juno claims they are not responsible. Their website " XXXX '' claims the issue is due to their banking partner XXXX XXXX  XXXX XXXX having issues. I couldn't find any information online that XXXX XXXX  XXXX XXXX was having any issues. I would like to access my funds immediately. I hope CFPB can help me with investigating why this is happening and when it will be resolved. I need access to my money! Please help me!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: MS

Complaint narrative:
I am formally writing this complaint because it has come to my attention that the account I have with your company is constantly being updated and verified by the consumer reporting agencies. Specifically, EXPERIAN. The account I have with your company is being disputed because it is shown inaccurately in my consumer report which is damaging to my financial reputation, and it ruins the integrity of my consumer report. 

This is not a refusal to pay anything so do not get the wrong idea and discriminate against me for exercising my legal right under federal law hence the Fair Credit Reporting Act. 

XXXX MORTGAGE SERVICES continues to verify with the consumer reporting agencies through e-OSCAR that the information being reported is accurate and complete. This is not the case. The account shows up as incomplete for the years XXXX, XXXX, and XXXX because it shows instances of No Data or a dash in the payment history section of the account implying that there is no record of the existing payment as seen in my consumer report. 

The Fair Credit Reporting Act prohibits unverifiable information and incomplete accounts from being reported to consumer reporting agencies. I request that you provide the correct information that is factually missing as shown in my consumer report. I will highlight the areas and attach what I am seeing directly from my point of view.

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 2024-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I requested a refund check for payments made during the XXXX forbearance period back in the summer of XXXX. The amount was {$6200.00}, and {$1100.00} but I only received a check for {$1100.00} on XX/XX/XXXX. I call my loan company ( Nelnet ) monthly regarding this, they noted the check was originally issued XX/XX/XXXX but was never received or cashed. We ( myself and Nelnet ) requested a stop payment and reissue for the check XX/XX/XXXX. I have called Nelnet numerous times over the past 2 years regarding this check. On XX/XX/XXXX I filed a complaint with FSA regarding this matter. As of XX/XX/XXXX Nelnet stated someone cashed the check, Nelnet did not contact me, I had called them. This check was fraudulently cashed and I requested a fraud packet with Nelnet on XX/XX/XXXX. I got a notice that Nelnet was closing my complaint with FSA on XX/XX/XXXX, stating FSA would not send a fraud packet as it was past the 12 month mark. I filed a local police report, however I still do not have the evidence requested regarding the fraudulently cashes check. I do not know, when, where or who cashed this check. 
As of XXXX this balance was added to my student loan. I now owed an extra {$6200.00} on my student loan, that I am being requested to repay back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have found fraudulent inquiries in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have sent this company cease and desist this company has refused adhered to the federal guidelines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when is listed that this company is not legally bonded and or insured to collect in the state of New York please have this company seize all collection activities this is my last attempt to complain outside of court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Mon, XX/XX/XXXX : I saw on my co-worker 's ( XXXX XXXX XXXX ) XXXX page that she has a used car for sale. I contacted XXXX XXXX XXXXXXXX regarding possible purchase. I wanted to check out the car on Saturday. Was told that it was a friend 's car and friend requires {$500.00} down payment to hold until Saturday. Money was requested via Venmo. I sent the money thinking this is a co-worker ( XXXX ) I know well, and I reached out so it is safe. Tue, XX/XX/XXXX, I received more messages on XXXX requesting an additional {$500.00} as they ( " XXXX and friend '' ) have an appointment to service the car and wanted me to be happy with my purchase. I declined stating I will test drive car as is and if I agree to purchase, I will accept any maintenance needed. Person kept pressuring me and that's when it dawned on me that something was not right. I reported to Venmo that evening, a report was taken, and I was told it would be escalated. I then messaged the person back stating I've changed my mind and want my {$500.00} refunded. Person agreed but then the refund turned out to be requests for even more money ( {$800.00} ). I stopped exchanging messages after Tuesday evening. I contacted Venmo Wed ( XX/XX/XXXX ) morning and share with them about the emails. Since XXXX evening, the person continue to try to engage me via XXXX messages through Wednesday. On Thur XX/XX/XXXX, my co-worker ( XXXX XXXX XXXX XXXX was back at work, I messaged her and immediately she told me her XXXX was hacked in XX/XX/XXXX. She filed numerous reports to XXXX and they still would not take down her page. She also filed an Attorney General 's fraud complaint and was told nothing can be done. Venmo meanwhile, sent me an email Thur XXXX stating there is nothing they can do and I need to pay them the {$500.00} ( I had contacted my bank Tuesday XXXX and put a stop payment on this transaction ). I have copies of the XXXX exchange, scam emails requesting more money, and Venmo emails if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: DE

Complaint narrative:
Could you please remove these inquiries? I didn't authorize them, and I have no knowledge about them.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, my mother XXXX XXXX XXXX passed away. She left no will and basically no real assets ( XXXX acre of property in XXXX, Ca. desert with an XXXX XXXX XXXX XXXX XXXXXXXX on it. ) She has $ XXXX in her checking account for my brother ( XXXX XXXX XXXX XXXX and myself, XXXX XXXX XXXX XXXX pay her final expenses with and bills. We were aware that she had some debt, credit cards, etc. She died suddenly without a will, she had one at one time, which she shredded when my youngest brother passed away from alcoholism since she sold the items named in the will and she said it was irrelevant. She had only XXXX children, XXXX had passed in XXXX. That left XXXX and myself, we called the bank, and they told us to bring her death certificate and our ID 's and they would close the account. We went to the bank with the requested items and they refused to assist us and told us to call a number which we did. One that call they stated we would need a court appraisal of her property in XXXX, Ca. and probate. Our attorney said we needed no probate as she didn't leave any assets worth a probate cost. We received quote for a court appraisal in the amount of $ XXXX {$4000.00}, money we sure don't have. Bank of America already put us in dire straits just paying for her final expenses and we were forced to have her cremated ( {$3000.00} ) against her wishes, rather than buried, because they refused to release her funds to her only XXXX heirs. It was also commented to us that she owed Bank of America some credit card charges. We told them to take the money out she owed and issue the remainder to us so we could pay things and taxes due on her property which is worth less than {$40000.00}. They have to this day refused to issue our mother 's money to us. My brother, XXXX XXXX XXXX committed suicide on XX/XX/XXXX. I am the sole remaining heir. I really fail to understand why they wanted an appraisal on the old mobile and property she was living in with me at the time of her death, it is my home and remains my home to this day. As a XXXXXXXX XXXX XXXX  senior myself, I don't have money to have lawyers and take them to court or even pay for a ridiculous appraisal of my home. What can I do to have these funds released to me? I feel they were stolen from us at a time when we needed to pay her final expenses and it created a terrible hardship on us. I will provide documentation as/requested. The bank took copies of everything.

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 2024-05-18 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: DE

Complaint narrative:
Could you please remove these inquiries? I didn't authorize them, and I have no knowledge about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lenmo Inc
State: UT

Complaint narrative:
I asked if it is possible to set up a payment plan. Instead of answering my question, they sent this message, " Your account is in serious trouble! 
Your Lenme Loan continues to be delinquent. Pursuant to the lender 's rights under its Agreement ( s ) with you. 

We will be handing your papers to the company lawyer and filing this loan to the credit bureau which will result in a negative impact on your credit report. 

With a perfected security interest, Lenme is now permitted to foreclose on and seize all your assets, unless you resolve the outstanding obligation. 
Our preference, of course, would be to work with you to bring the account back to good standing. To prevent any escalated activity, please pay the outstanding balance by clicking the button below. 
We look forward to working with you and getting your account back into good standing. "

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2024, I called my credit bureau asking to remove old addresses because I dont live there anymore and some I didnt live there at all it would be just a family members house. A couple weeks later I got an update that it hasnt been resolved.

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 2024-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit score on XXXX  XXXX on XX/XX/XXXX and my score was a XXXX. On XX/XX/XXXX I checked it and my score was a XXXX. Then I checked again on XX/XX/XXXX which showed my score was now a XXXX. On XX/XX/XXXX, I called XXXX XXXX, who advised they are only a monitoring service and that I needed to call Equifax. I called Equifax immediately after and the customer service agent said there was nothing she can see or do but only send me a credit report. Then on Monday XX/XX/XXXX I contacted XXXX, XXXX, and Equifax. I could not get a live person with XXXX. XXXX advised this was not something they can assist with. Afterwards I reached back out to Equifax. The customer service agent said he could not see or explain why my credit score would drop so drastically in a short period of time, especially given that I pay my bill in time. He stated it " should '' go back to normal. It is now XX/XX/XXXX and my credit score is still a XXXX.

Company response to consumer: Closed with explanation