vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$490.00}. Credit card account opened at XXXX XXXX in XX/XX/XXXX under the account ( XXXX ) in the sum of {$1800.00}. XXXX XXXX XXXX XXXX XXXX XXXX  account opened XXXX under the account number ( XXXX ) in the sum of {$2800.00}. XXXX opened XXXX account number ( XXXX ) with a balance of {$460.00}. A XXXX XXXX XXXX XXXX opened XXXX under the account number ( XXXX ) with the balance of {$1700.00}. XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX in amount of {$17000.00}. XXXX account opened on XX/XX/XXXX under account number XXXX in amount of {$260.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to call transunion to resolve an issue that kept occurring causing me to not have access to my credit report and getting denied due to not being able to verify my identity. When I called I was able to reset my password but they had to transfer me to a different department to find out whats wrong w my credit report, after they transfer me to their online department I wait some time before saying hello several times. The person on the other end mumbled something then fell back asleep. I then got frustrated and hung up cause the guy was talking over me I asked to speak with his supervisor and he didnt respond we had to yell into the phone for his response

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 2024-10-05 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: VA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX XXXX, Account Showing open when been closed for years, and showing late or delinquent that is incorrect Reporting incorrectly ) ( XXXX Account, showing open When Closed and reporting inaccurate information ) ( XXXX XXXX XXXX Reporting delinquent inaccurate information showing open when closed ) ( XXXX  XXXX Show inaccurate and delinquent info this false ) ( XXXX XXXX XXXX XXXX XXXX Account showing delinquency and late information and its inaccurate )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> around XXXX, Chase bank, located on XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX, CA discriminated against me and refused to give me a money from my own account. The teller told me to insert my debit card and enter my pin number, I did this 6 times because he kept pretending my card was not working. Finally, I swiped the card, entered my pin, then he took an additional 10 minutes pretending to type and scroll on his computer screen before calling over the branch manager. The branch manager XXXX REFUSED to issue a money order to me. I asked her to handover my Driver 's license back to me, to which she replied " No. '' After an awkward pause, she finally said " she needs it to input my information into the system. '' I have NEVER been asked for an ID or license to get a money order from my own account. Generally, I swipe or insert my debit card, enter pin number and the money order is printed without question. 
XXXX, the bank manager lied and said my account was flagged for fraud after i inquired about why the bank was giving me so much hassle. I later went to a different chase branch in XXXX XXXX just a couple hours afterwards and was given a money order by inserting my debit card and pin without question or demand for ID. This prompted me to call chase 's corporate number and they've confirmed my account was never flagged for fraud and that there were no suspicious activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : NCB Management Service Address : XXXX XXXX XXXX XXXX PA XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida, XXXX Dear NCB Management Service. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I entered into a variable heloc with TD Bank in XX/XX/XXXX. I was told that I could fix the rate by calling a representative at XXXX XXXX XXXX. After fixing the rate, I continued to make consistent payments and when I learned of the prime rate dropping 50 basis points in XXXX of XXXX, I called TD to see if I could refinance to a lower rate. Instead, I was told that the fixed rate option offered by TD for their heloc is not tied to the prime rate and that my actual rate in XX/XX/XXXX would be higher than when it was in XX/XX/XXXX when I entered into the heloc. My complaint is about the lack of disclosure to me that the fixed rate was not tied to prime. If I knew this information, I would have made different considerations before entering into a heloc with the bank. I also do not think its appropriate for the rate of the fixed rate product to be determined by the bank and not tied to any reference rate ( i.e., index ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
My family and I were forced to moved back into an XXXX XXXX XXXX XXXXXXXX which should be condemn by the Investors.. 
We are under a Hardship situation. Loan Depot is holding on to Insurance Funds {$10000.00} which needs to be released to pay up a Lien Holder, if not paid the XXXX XXXX can forced Foreclose Proceeding as a share holder. 
As per below my attorney is asking Loan Depot Policy & Procedures in place for the Releasement of the Funds to settled the deal. 
Loan Depot Loss draft Department representatives keep passing the info around and I have to repeat my selves twice in reference to the situation, I asked to speak to a supervisor or manager who promised to get back to me. Its 15 days now, Loan Depot keep frustrating me and my family and telling " Untruths '' that the processor has it but when in fact every time I call it avoidance and long period of waits with no results. 
This tool of Intimidation hoping we go away and lapse time to process Foreclosure Lein to avoid foreclosure. 
CFPB, pleading for your help for the Owner to response or for the Investor to make a site visit and condemn the Apt which is in Ruins. 
below is the statement we send to Loan Depot about the disposition and conclusion. 
MY cost to settled the Lien is {$25000.00}. 
{$10000.00} Holding in loss draft department Loan Depot {$10000.00} out of pocket Time Frame is 30 days, 8 days more to submit my deal to go through the Plaintiff, we need the LoanDepot.com information, including their corporation name, contact information, address, and the account they are holding in escrow. Further, we will need the detailed breakdown of information on the requirements necessary to ensure the release of said funds. Please get this to me as soon as possible, while we have a 30 day control date for settlement documents to be submitted, they do take time to prepare for the other counsels involved, so the sooner the better.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
this is an addendum to COMPLAINT ID XXXX I found emails that I saved with the final bill sent to me in XXXX, the payment confirmation for the portion that I paid, and confirmation that service was disconnected on XXXX XXXX The bill covered the entire month of XXXX despite disconnection of service on XX/XX/XXXX. After the chat I referenced in my previous complaint in which the XXXX  rep gave me the prorated amount to cover XX/XX/XXXX - XXXX. I paid that amount. I found a confirmation of payment email from XX/XX/XXXX, showing I paid {$22.00} to cover the service I received from XX/XX/XXXX XXXX. The bill they sent on XX/XX/XXXX was for {$48.00}. The remaining amount of the bill {$25.00} covers XX/XX/XXXX - XX/XX/XXXX. XXXX did not provide service to my residence during those days and therefore has no business charging me and sending a bill for services not rendered to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: TX

Complaint narrative:
Upon examining my credit report, I discovered multiple billing mistakes. The late payments do not correspond to my regular payment pattern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-05 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), once information is removed from a credit report, it can not be reinserted without new, valid information. This is supported by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the court emphasized the importance of accurate reporting and the requirement for consumer reporting agencies to conduct thorough Investigations. 
XXXX XXXX XXXX XXXX was remove on XX/XX/XXXX by Experian they have done a full investigation into this repo ( Chargeoff ) matter per Experian it was removed now its back on my Credit report I never received a 1099-C form for the repossession from the credit company. According to the IRS, creditors must issue a 1099-C for canceled debts of {$600.00} or more Account 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 2024-10-04 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: GA

Complaint narrative:
On XX/XX/year>XXXX  I submitted documentation challenging suspicious accounts. On XX/XX/year> I followed up with more documentation. The reporting agency company never replied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: PA

Complaint narrative:
This morning, I was shocked to find incorrect accounts on my credit report, and I cant figure out why. I check my credit report regularly, and this time there were random discrepancies. I even refreshed my browser thinking it might be a glitch, but the errors didnt go away. Now, Im really hoping that the documents I submitted will be reviewed carefully, so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-05 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:
I checked my credit report today ( XX/XX/year>XXXX  ) and identified an error on my credit report for XXXX Account # : XXXX Unfortunately, I have submitted multiple disputes, contacted the servicer and called Equifax but my report still has not been updated. 
According to 15 USC 1681EB you are required to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete this account immediately for violating 15 USC 1681EB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows :

Company response to consumer: Closed with explanation