vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has come to my attention that there may have been a compromise regarding my credit with your institution. Upon reviewing my records, I observed that an account previously removed has reappeared in my XXXX credit report. It is imperative to note that under Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal obligation to promptly remove and block any account determined to be the result of fraudulent activity. The disputed account in question does not pertain to my financial obligations. Attached herewith is the required FTC Report # XXXX for your reference and action. I kindly request the expeditious removal of this account from my credit profile. Should there be any inclination to consider the possibility that this account pertains to me, I insist upon the provision of all documentation bearing my signature. It is worth emphasizing that regulatory standards necessitate a meticulous verification process, ensuring the absolute accuracy and verifiability of any purported account. Failure to furnish relevant records and insisting on account verification without substantial evidence may compel me to pursue legal recourse. I trust that compliance with statutory mandates will facilitate the swift resolution of this matter. The disputed account, having been opened without my consent or knowledge, warrants immediate removal, in accordance with Section 605B of the Fair Credit Reporting Act. For your reference, the pertinent details of the disputed account are as follows : : EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}

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 explanation
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to bring to your attention serious concerns regarding inaccuracies present on my TransUnion credit report. Despite repeated attempts to rectify these errors, they persist, posing significant challenges to my financial well-being. 
Since XX/XX/scrub>XX/XX/2020, I have diligently worked to address fraudulent and unknown accounts, as well as errors in personal information, on my credit report. Regrettably, these efforts have been met with limited success. The following accounts require immediate attention and resolution : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I have noted an alarming discrepancy in the personal information section, with a total of 32 different names listed. This misinformation is not only inaccurate but also undermines the integrity of 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 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.

Complaint narrative:
Company : Mr Cooper Issue : I had an autopay set up for my home mortgage when this company took the loan over ( as usual without my permission or acknowledgement ) from my previous bank. 
Now I can't set up my payment again as the site gives 403 error. I also had NO help from the live chat agents as they keep diverting me. Finally I had one agent charge my XXXX account but I don't see it reflected in the Mr cooper site and still get threaning notifications saying i have to pay a fine. 
I'm appalled at this lack of control i have as a user in this mortage system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.

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 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a checking account online so that my father could send me a wire transfer so I could purchase a vehicle. When I saw it showed as available for withdrawal in my account later that day, I went to the bank to pull out some of the money. However, I was told that even though it's showing available, that it's still waiting to be verified. I called Ameris Bank the next morning on XX/XX/XXXX to see if the money was processed and available for withdrawal ; the employee I spoke with confirmed with me that the money was indeed available and that I could come make a withdrawal. I went up to the back and after waiting for about 30 minutes in line I finally made it to the bank teller who told me that the funds were still waiting to be verified and she's not sure why someone else told me on the phone that the money is available. She told me to check back later in the afternoon. So later that afternoon I called back up there and was told they still haven't heard anything yet and would reach out to me as soon as they found out something. Not much later, I tried to log into my Ameris Bank app on my phone and my account was all of a sudden locked randomly. I called to speak with someone about getting it unlocked and while talking with them about it they asked me what's the issue with my wire transfer. I told them I have no idea I've been waiting on it to become available. The employee told me that the wire transfer was not being released because I just opened up the account and my dad sent me a large wire transfer which caused 2 red flags and they are now investigating my account and holding my money. My father who sent the money to me, reached out to Ameris Bank with a banker from his bank to try to help verify that everything was legit, that I opened the account for him to send me the wire transfer so I could purchase a vehicle and leave a couple XXXX dollars in the account as well, and even offered to send his Police Officer identification with a copy of his receipt for the wire transfer. However, Ameris Bank is still refusing to release my money to me and it's causing me to miss work because I can't buy the vehicle I was getting without the money, and it's causing me extreme stress. I just want my money to be released to me so that I can purchase a vehicle and return to work. I have been trying to do everything I can to sort this out with the bank but no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: WI

Complaint narrative:
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: WI

Complaint narrative:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-02-16 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: OH

Complaint narrative:
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. 

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
never received initial notice that an alleged account of mine was being sold to collections. i only noticed one day while checking my credit report. ive written letters requesting more information on this account and a signature from me proving the debt belonged to me. this company refuses to send me any information on a supposed debt they are trying to collect from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: IN

Complaint narrative:
Due to the XXXX XXXX XXXXXXXX XXXX this was closed and I also should be receiving some kind of compensation due to My taxes being taking before due to this fraudulent unauthorized agent Me or My Parents never signed for also I have tons of prove the account was closed but still negative on My consumer report for years I have dealt with this false and fraudulent account for over 20 plus years it's back open since XX/XX/2024 clearly Illegal Unacceptable and needs to be removed immediately from each and every Debt Collection Agencies and Third and Fourth Party Vendors and Companies and I also want to file a lawsuit for discrimination, identity theft, slander and predatory lending and also all fees and losses due to this Illegal matter I have sent in multiple complaints about this issue no help and it's public records XXXX XXXX XXXX XXXX is apart of the settlement and clearly and finally been busted and still I wasn't not notified by USPS mail, email or phone it's truly amazing how Corporations steal take and make false Unauthorized decisions for your financial well being XXXX has Breached My data also XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and the XXXX XXXXXXXX XXXX and illegal immigrants please remove immediately effective asap sign XXXX XXXX XXXX XX/XX/2024 I also would like help find legal services for id theft protection and filing a civil lawsuit against all partys involved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that there may have been a compromise regarding my credit with your institution. Upon reviewing my records, I observed that an account previously removed has reappeared in my XXXX credit report. It is imperative to note that under Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal obligation to promptly remove and block any account determined to be the result of fraudulent activity. The disputed account in question does not pertain to my financial obligations. Attached herewith is the required FTC Report # XXXX for your reference and action. I kindly request the expeditious removal of this account from my credit profile. Should there be any inclination to consider the possibility that this account pertains to me, I insist upon the provision of all documentation bearing my signature. It is worth emphasizing that regulatory standards necessitate a meticulous verification process, ensuring the absolute accuracy and verifiability of any purported account. Failure to furnish relevant records and insisting on account verification without substantial evidence may compel me to pursue legal recourse. I trust that compliance with statutory mandates will facilitate the swift resolution of this matter. The disputed account, having been opened without my consent or knowledge, warrants immediate removal, in accordance with Section 605B of the Fair Credit Reporting Act. For your reference, the pertinent details of the disputed account are as follows : : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- TRANSUNION : XXXX XXXX XXXX Balance : {$920.00}

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention that there may have been a compromise regarding my credit with your institution. Upon reviewing my records, I observed that an account previously removed has reappeared in my Equifax credit report. It is imperative to note that under Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal obligation to promptly remove and block any account determined to be the result of fraudulent activity. The disputed account in question does not pertain to my financial obligations. Attached herewith is the required FTC Report # XXXX for your reference and action. I kindly request the expeditious removal of this account from my credit profile. Should there be any inclination to consider the possibility that this account pertains to me, I insist upon the provision of all documentation bearing my signature. It is worth emphasizing that regulatory standards necessitate a meticulous verification process, ensuring the absolute accuracy and verifiability of any purported account. Failure to furnish relevant records and insisting on account verification without substantial evidence may compel me to pursue legal recourse. I trust that compliance with statutory mandates will facilitate the swift resolution of this matter. The disputed account, having been opened without my consent or knowledge, warrants immediate removal, in accordance with Section 605B of the Fair Credit Reporting Act. For your reference, the pertinent details of the disputed account are as follows : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 2024-02-16 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: GA

Complaint narrative:
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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