vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company purchased a debt that is not mine and have been told numerous times via dispute. under the FCRA they had 30 days to provide a signed application showing it was opened by me the consumer. they dont have this because it is not mine! legally they have to remove it and their failure to do so is a direct violation of the FCRA. they mailed a statement showing no charges with a name on it, but that does not qualify for proof of ownership under the Fair credit reporting act. They purchased this debt cheap and are using credit reporting to try and force me to pay a debt that is not mine or owed. Please be aware that if this is not removed from my credit in the next 30 days you will be sued. It is illegal to report this to the Credit Bureaus with out validation and providing the requested documentation, which is a application showing i signed and opened the card! nothing else is sufficient to prove debt is valid under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I noticed an unauthorized hard inquiry. This inquiry was not initiated by me, nor do I have any record of granting permission for such an inquiry. 

Under the FCRA, credit reporting agencies are obligated to investigate disputes and correct any inaccuracies within 10 days of receiving a dispute. Therefore, I kindly request that you promptly investigate this matter and remove the unauthorized hard inquiry from my credit report. 

look forward to receiving confirmation of the removal of the unauthorized hard inquiry from my credit report within the legally mandated timeframe. 

Thank you for your cooperation in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CORELOGIC INC
State: FL

Complaint narrative:
I noticed an unauthorized hard inquiry. This inquiry was not initiated by me, nor do I have any record of granting permission for such an inquiry. 

Under the FCRA, credit reporting agencies are obligated to investigate disputes and correct any inaccuracies within 10 days of receiving a dispute. Therefore, I kindly request that you promptly investigate this matter and remove the unauthorized hard inquiry from my credit report. 

look forward to receiving confirmation of the removal of the unauthorized hard inquiry from my credit report within the legally mandated timeframe. 

Thank you for your cooperation in resolving this issue.

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 2024-04-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank Delaware is reporting a credit card as a charge off on my XXXX credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NC

Complaint narrative:
EQUIFAX IS NOW REPORTING LATE PAYMENTS AND SHOULDNT BE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX billed us for days after our auto insurance policy expired claiming we automatically renewed with them. We did not renew with them because they substantially increased the quote for renewal by over 30 %. They later billed us for 10 days ( approximately {$90.00} ) after the policy expired claiming they cancelled for non payment but we owed them for the 10 days claiming they provided coverage which we did not need, seek, or agree to. We disputed and explained that we never chose coverage through them but they claimed they were still owed money and refused to stop billing us. They can referred the fraudulently claimed amount to a debt collector which reported late payments on the amount XXXX fraudulently billed us to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: OR

Complaint narrative:
I made payments to Mohela on a loan that has been forgiven under the PSLF program. I previously made a complaint about not receiving a refund for payments made after the loan had been forgiven. Mohela answered the CFPB complaint by refunding part of the payments made during that timeframe, but withheld {$750.00} of that refund because I had initiated a new Department of Education loan in XXXX of XXXX. It seems that they deduced that any payments that I made from XX/XX/XXXX through XXXX would go towards the new loan, even though nothing was due on that loan and the payments were made to the Department of Education, not Mohela. In addition, there is no record of them applying these payments to my current loans. Under the CARES Act, all student loan payments made from XXXX through XX/XX/XXXX are eligible for refund. I notified Mohelia several times over the phone that " Due to CARES Act student loans legislation, Id like my student loan payments refund from XX/XX/XXXX through XX/XX/XXXX. '' This totals {$750.00}. They have failed to respond to three attempts to collect this refund. I've attached a receipt that demonstrates the 5 payments made for {$150.00} each.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: LA

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  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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
II have submitted several claims in regard to several lost XXXX XXXX XXXX XXXX. The Claim numbers are as follows : XXXX XXXX XXXX XXXX I have repeated attempted to XXXX XXXX ( XXXX ) in regards to the claim. I have left multiple messages and have not received any callback. All of the items in these claims are of New condition purchased on XXXX. The above claims were denied for the following reasons : " No coverage is provided for a covered purchase which is/are : 4. one-of-a-kind items including antique, artwork, furs, or previously owned and used items ( except when refurbished by the original manufacturer ). '' None of these claims have any items that are one-of-a-kind, are not antique ( According to 19 CFR 10.53 - antiques are items of at least 100 years old ), are not artwork, furs, and are not previously owned. I am not sure why I am being denied, and any attempt at discussing the denial has been met with no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted and made previous complaints with with CRA 's about XXXX XXXX reporting incorrect info with them. I have asked for who was spoken to and physical proof with name numbers etc. This information was not given to me only that they allegedly contacted them and verified everything was correct and accurate which it is not. All information across all CRA 's are different, which is putting me at risk for identity theft which goes against FCRA 15 USC 1681. this is also defaming my character by reporting false and inaccurate information. XXXX has reported that the account is closed but is still reporting information defaming my character.An account is supposed to be charged off after 120 days and closed. A charged off account is not to be reporting any amount due if it was charged off and wrote off and filed on that company 's taxes with a 1099 C form which legally is used to cancel out a debt of XXXX XXXX or more and the copy B is to be sent to the consumer. I would like this matter resolved in the said amount of time by law according to FCRA 15 USc 1681

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted and made previous complaints with with CRA 's about XXXX XXXX reporting incorrect info with them. I have asked for who was spoken to and physical proof with name numbers etc. This information was not given to me only that they allegedly contacted them and verified everything was correct and accurate which it is not. All information across all CRA 's are different, which is putting me at risk for identity theft which goes against FCRA 15 USC 1681. this is also defaming my character by reporting false and inaccurate information. XXXX has reported that the account is closed but is still reporting information defaming my character.An account is supposed to be charged off after 120 days and closed. A charged off account is not to be reporting any amount due if it was charged off and wrote off and filed on that company 's taxes with a 1099 C form which legally is used to cancel out a debt of XXXXXXXX XXXX or more and the copy B is to be sent to the consumer. I would like this matter resolved in the said amount of time by law according to FCRA 15 USc 1681

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm deeply troubled by the addition of this late payment to my account, given my consistent history of punctual payments. This issue is causing me significant distress, and I urge you to rectify it promptly by removing the late payment from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 2024-04-29 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: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-29 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: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: AR

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I used Wells Fargo ( " WF '' ) bill pay to issue a payment. I made the request on XX/XX/year>, and WF estimated that the check would be received by the vendor on XX/XX/XXXX. The money was removed from my account on XX/XX/XXXX, even though it was physically impossible for the funds to be paid to the vendor by this date. On XX/XX/XXXX the check had still not been received by the vendor. WF has now had my money for 20 days. They did not pay the money to the vendor and I don't have my money, the money is in the possession of WF. They gave themselves an interest free loan from my checking account. Because WF refuses to return the money to my account, I do not have the funds to pay the vendor. I have no idea when my money will be returned to my account. When I write a paper check, the money is not removed from my account until the check is cashed by the payee. If the funds do not exist in my account to cover the check, the check is returned for NSF. How much money is WF making from these interest free loans?

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 2024-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
T I do not have a contract with this company. Please validate the debt

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
Please eliminate these inquiries. I am not aware of them, and the company conducted them without my consent

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from trueacord allegedly saying that I owe money. I don't know what they are talking about I don't recognize that the letter was sent under a similar name. That I believe is not me.

Company response to consumer: Closed with explanation