vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: CT

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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:
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. I have already tried to fix this with your company. Equifax is the only Credit reporting agencies reporting the unverified accounts. I will be moving forward with filing a statement of claim if these errors are not corrected in 7 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
My discover card was stolen a couple months ago along with my entire wallet ( including my ID card ) and phone. It was used to create XXXX  XXXX in fraudulent transactions. I disputed all the fraudulent charges made on my discover card and the majority were denied and readjusted to my discover account now showing on my balance. I need these charges taken off my balance as I did not make them & they were done fraudulently. I was told that the main reason for the readjustments were due to the merchants having proof of my ID card being used & transactions being approved via email or text. But as I had mentioned to the discover rep while creating the dispute, my ID card was stolen along with my discover card and my phone. My phone did not have a passcode on it leaving it open for anyone to use. 

Once the transactions were readjusted, I called the discover customer care center who forwarded me to the discover rep XXXX who told me the reasons why the transactions were readjusted. After I told him the reason why those were invalid and to have the readjusted dispute transactions taken off my balance, he began to insinuate that I had in fact made the transactions and almost started interrogating me in regards to the transactions. This was very unprofessional for Discover after being a loyal client for over 3 years paying my credit card in full every month. 

I filed a police report regarding the incident and an FTC identity theft report and have still been denied the disputes. I told XXXX over the phone to either check the security footage of the merchants where the transactions occurred or the signatures given to the merchants where the transactions occurred to figure out who did this with my card. I was told he was unable to check these things. Those XXXX pieces of evidence I listed would figure out who made these transactions and would clearly show that it was not me who made them. Yet Discover is claiming that they have " sufficient evidence '' to deny the disputes. What evidence? That my ID card was used during the purchases? That a verification code was approved via email or text? Anyone who looks even remotely close to me could have used the ID successfully. Employees checking ID 's quickly glance at them and most of the time don't care as long as you present them a real ID. & whoever had my phone had access to the gmail app and also all my text messages. These are not valid reasons to deny my disputes and I will not be held liable for XXXX XXXXXXXX in fraudulent charges that I did not make. 

This is unfortunate that I have to result to creating this report to settle this situation that should have been handled professionally by discover who I saw as a decent credit card issuer before this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I used the service for the first time to take a payment for items I was selling. The customer inpute their card information and I received a receipt, which I sent to the customer via text message. Total purchase was {$7800.00}. After a day or so the funds were not in my account, so I contacted the company. They said they had sent me an email with questions I needed to answer before they could release the funds. I sent them a copy of the invoice which included all of the customers information, and I answered all of their questions about my business. I then recieved an email from them stating that they determined my business to have a high probability of charge backs so they would be closing my account. The {$7800.00} would sit with them for 120 days before they would release it to me. I called them to tell them to send the money back to the customer, and the customer would pay in cash instead and they informed me that because they closed my account they could no longer issue refunds either. 
Essentially they have {$7800.00} of my money that they are holding hostage for 4 months. The customer has the product as I was expecting to recieve the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2023-11-28 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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Over the past several months, there have been MANY fraudulent transactions from my bank account ( XXXX XXXX XXXX ) being sent through Cash App to accounts I do not know. 
Several years ago, I had a Cash App account because I got paid from a side job off the books using Cash App. After that job, I closed my Cash App account and have not used it since. When these transactions began happening, I signed on to my old account again to see if these transactions were happening through there- but they were NOT. 
I have spoken on the phone with both XXXX and Cash App and they both tell me to reach out to the other company. I spoke on the phone to XXXX person at Cash App who seemed to be helpful- he was able to see that there are two Cash App accounts with my name on it- probably the one I used several years ago and another one created by someone else. However, our conversation got cut off and I was never able to get in contact with him again. NO ONE has been helpful in getting my money back. 
I do not have access to my XXXX account currently, ( Due to the amount of fraudulent activity and the amount of times that I needed to dispute charges, they made the decision to close my account. ) so I am unable to show the charges. I am missing around {$30000.00} since the beginning of XXXX and I believe there were more charges through Cash App from before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
My grievance is with the loan servicer Mohela. I should be at XXXX payments of my loans this month ( XX/XX/2023 ), however I was placed in a random forced forbearance in beginning of XXXX. I waited on hold for XXXX XXXX hours to get the forbearance lifted. I was told that my XXXX payment ( already paid ) would retroactively count towards XXXX despite their mess up. XXXX forbearance was lifted. XXXX weeks after that I got a email stating that I missed my XXXX payment. I signed back in to find that Im again in forbearance until XX/XX/. My XXXX  count still shows only XXXX out of XXXX, but now also shows XXXX ineligible payment ( my XXXX payment ). I did not receive any letter, stating that interest does not accrue during this current forbearance, or that it will count towards XXXX. I actually got a letter stating that interest will continue to accrue during this time of forbearance, not mentioning anything about XXXX. It is almost impossible to get anyone who can actually help on the phone for XXXX reasons ; XXXX. It takes hours of holding to actually get anyone on the phone, and XXXX. Once they answer they are generally training so do not know how to help you. This is too time consuming for someone with a full time job. Irritatingly, different people you talk to give you different answers for the same question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2023-11-28 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:
Equifax, this complaint is my final communication regarding your claim that the account below is being reported accurately. Complaint # XXXX, which I will attach to this complaint, states that the company listed on my credit report is not the correct agency. The original creditor has not validated this debt, and the agency listed on my credit report can not validate the debt because they are not the point of contact. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for XXXX  XXXX. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. Equifax is the only credit bureau reporting this inaccurate account. I also sent a debt validation letter to the collection agency over 30 days ago, and they have failed to respond so how are you reporting this account as accurate? I will attach the debt validation letter which is dated and time stamped. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: WI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-28 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I requested documents, insurance documents, RightPath Servicing relied on to make the claim that the proof of insurance I provided, an HOA master policy, was insufficient coverage for the property. RightPath Servicing provided 43 pages of response letters, Note, Mortgage and other communications but not one insurance document they would have relied on to compare the master policy coverage to the HO6 coverage. In their response letter dated XX/XX/2023 it states : " You will need to call the condominium organization and the provider of the master policy to inquire about their classification for personal property, as we do not have enough information to comment on the matter ''. I have done as required, provided proof of insurance coverage to the servicer. The servicer is required to contact the insurance provider if they need clarification on " classification for personal property '' if the lender has any questions regarding such classification. The servicer, RightPath Servicing, has been provided the contact information for the insurance provider and must satisfy the reasonable basis for assessing a premium charge or fee related to forced placed insurance before implementing such a charge. The servicer has assessed a premium charge before satisfying a reasonable basis. If the servicer is unclear of the language in the master policy then the reasonable basis for assessing for forced placed insurance has not been met.The servicer also claims that forced placed insurance was previously in place but has not provided the requested documents to show proof of their claim. If there was forced placed insurance previously in place, that would mean my monthly charge for this insurance would have been included in my monthly mortgage payment but RightPath Servicing had increased my mortgage payment by {$1000.00} per month for forced placed insurance. The requested documents, proof of an existing forced placed insurance policy, is necessary to determine if the servicer was charging for a fee that was already being assessed. This complaint can not be satisfied by claiming its similar to previously answered complaints, this complaint is for failure to comply to a previously filed request for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank has been sending me paper statements since I opened my checking account. I have NOT and did NOT request these statements. Initially, these statements were {$1.00} then a few months ago they increased to {$3.00}. I called in to inform them that I did NOT request these monthly statements and requested my {$3.00} refund. I was given the {$3.00} refund and was informed that I had to download their application ( APP ) and sign in my account to stop getting charged the {$3.00}. I dont wish to download TD bank app or receive their paper statements. Is it legal for me to be charged {$3.00} if I refuse to do both? I have since been charged again on XX/XX/23. Thanks for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
HUNTER WARFIELD at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX or ( XXXX ) XXXX Account number XXXX {$2400.00} This Company has been falsely reporting to my consumer report since XX/XX/2020 With out my permission or written consent. Ive spoken to the original account holder XXXX XXXX XXXX XXXX. Who told me this account was considered a loss and closed out with a XXXX balance I nor the person using XXXX XXXX name on the original account owes this debt. Yet this company who can not provide me with documentation with an original contract saying that I owe them Hunter Warfield and not another companys name. The debt is not owed by me or any one else for that matter and it was closed and settled with a XXXX  dollar balance this Company bought a debt that was already written off and was attempting to collect from me illegally. I have never conducted business with HUNTER WARFIELD They are violating my rights and defaming my character. Refusing to remove it is willful non compliance with FCRA LAWS. Ive been dealing with this for a while. I want this account removed immediately from credit report. I have filed with my state attorney general and the fair trade commission on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I still have a active fraud alert after I repeatedly disputed and turned off the alert

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 2023-11-28 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$19000.00}.

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 2023-11-28 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: FL

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$19000.00}.

Company response to consumer: Closed with non-monetary relief