vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
Subject : Request for Removal of Items Under 15 U.S. Code 1681c-2 Items that need to be removed immediately : Account- capital XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Dear Sir/Madam, I am writing to dispute certain information on my credit report, which I have identified as resulting from identity theft. Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information that a consumer identifies as resulting from identity theft within XXXX ( XXXX ) business days of receiving such a request. 

It has been more than 30 days since I provided notice, and the reporting of this information is now in violation of federal law. As I am a victim of identity theft, I demand the immediate removal of these items. 

Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a credit report under the following circumstances : XXXX. With the written instruction of the consumer to whom it relates. 

I never gave any written consent for the reporting of this information, which violates my rights as a federally protected consumer. No consent equals identity theft. 

As a consumer, I am demanding the deletion of the accounts listed immediately. 

Thank you for your prompt attention to this matter. Please confirm the removal of these items in writing.

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 2025-01-02 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: AL

Complaint narrative:
I reviewed my account reports and noticed that i had one payment on an account that i was never late on. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in screenshot inside this complaint. Please investigate and provide proof with statements showing that these statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi XXXX, I do not know what is going since my identity was stollen by those fraud people who open this fraud Capital One account without my knowledge. This fraud account balance changed from {$13.00} to {$1100.00} because of all the fraudulent activities. I am not responsible from this account and I shall get this fraud account delete from my credit report since someone else opened this account. I am aware that, as per ( 15 USC 1681 A and 15 USC 1666 B ), you are require to complete this reinvestigation or delete this fraud account within 30 days by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I had student loans from years ago, over time it was found and determined that the school was unaccredited ( XXXX XXXX XXXX ) and in XXXX  I applied for student loan forgiveness which was accepted and approved but now suddenly nelnet is back on my credit report with an open account, over a XXXX $ bill and activity from XXXX I am not in school and havent been for over 15 years and just when this was finally settled and gone it has repopulated and I just want these gone and cleared up and the company has been no help and Im tired of chasing my tail.. please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc.
State: PA

Complaint narrative:
On XX/XX/2024 XXXX XXXX  was sent a Cease and Desist Notice Regarding Communication and Collection Activities. They was also notified that thought the CFPB and the XXXX XXXXXXXX. First Credit Services acting on the behalf of XXXX has made repeat calls, and text to me on multiple occasions. 

XXXX after being made away that I did not wish to move forward with settling this debt and that I wished only to be contacted if they was eliminating it. XXXX funding in a effort to harass and annoy conspired with First Credit Services to repeatedly call and text despite the fact that XXXX has full understanding that I do not wish to be contacted about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was a victim of identity theft there were several checking and saving accounts opened without my consent. Im requesting to have these accounts removed and blocked from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is requifad to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
Hi Experian, I do not know what is going since my identity was stollen by those fraud people who open this fraud XXXX XXXX account without my knowledge. This fraud account balance changed from {$13.00} to {$1100.00} because of all the fraudulent activities. I am not responsible from this account and I shall get this fraud account delete from my credit report since someone else opened this account. I am aware that, as per ( 15 USC 1681 A and 15 USC 1666 B ), you are require to complete this reinvestigation or delete this fraud account within 30 days by law.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX  there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX  do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I request the removal of this collection account from my credit report. The original creditor, XXXX XXXX XXXX, sold my account to a collection agency without providing proper notification, which is a violation of my rights under consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CA

Complaint narrative:
I sold my house on XX/XX/XXXX. When my house was sold Mortgage Solutions took out my tax payment XX/XX/XXXX. As of the closing date they hadnt paid my county taxes so closing escrow had to pay it from my closing proceeds which totaled {$3200.00}. Ive contacted Mortgage Solutions shortly after asking where my refund was. I kept getting the run around until I filed a XXXX XXXX XXXX  complaint on XX/XX/XXXX. Mortgage Solutions responded to the complaint XX/XX/XXXX saying they have found my returned tax payment and was going to over night my refund via courier. I waited 1 week and called back to see why I hadnt received the payment. Turns out they never overnighted the refund check to me and supposedly sent it via normal mail. I call every day that says it will be there. Well its been almost a month and still no check. Ive been told that they can not reissue the refund until 30 days is up which apparently is XX/XX/XXXXXXXX  from when they mailed out the first check. I asked for this in writing and have been told I will get an email and still Ive received no call back and no correspondence other than when they responded to the XXXX  saying they would refund my taxes owed to me. Im beyond frustrated with this company as they are keeping money owed to me. This is causing undue stress on my life and is not a way to treat a veteran. This company needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
After my account was completed paid off, Lobel financial FLAGGED my account as a charge off to credit bureaus. This caused my score to decrease by XXXX points with all credit bureaus. There was nothing that I could have done better to avoid this as the account was always paid on time and completely paid off early. When I called Lobel Financial about this error they made, I was given a general explanation of why a charge off would occur. I was spoken to as if I never paid my account. After much more explaining to get someone from Lobel to actually understand my issue, the issue was blamed on credit Bureaus even though it is Lobel Financial that flagged my account and marked it as a charge off after the loan was paid off. This error they made caused my credit to plummet with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MO

Complaint narrative:
I see that XXXX XXXX XXXX XXXX is being reported on my consumer report as late and showing my payment history. The Privacy Act of 1974 is being violated by this reporting. Also, 15 USC 1681a-exclusions is being violated upon due to showing transaction history and my experience with XXXX XXXX . 15 USC 1681a-exclusions : report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had a permanent limitation put on my account and when I called PayPal, they said the money I had left in the account would go on hold for 120 days and on XX/XX/XXXX I would receive an email with instructions on how to transfer my money. So on XX/XX/XXXX, whenever I did not receive an email I called XX/XX/XXXX and told them I did not receive an email but my money was supposed to be released and the gentleman pretty much told me that I would have to patiently wait until I receive the email and I asked him if that means that it could be one day or 30 days and he just said yes, and I would have to patiently wait. Then I called the next day and the lady I spoke to informed me that I did receive the email on XX/XX/XXXX so I checked my spam folder and I saw it and I told her that it had no instructions and I was still faced with the obstacle of it, not allowing me to add my bank card or bank account to transfer the money and she said that she lifted the limitation on my account and on Monday that was three days away I would be able to log into PayPal add my bank card and withdraw my money. I asked her if she was 100 % positive she said yes and then on Monday it still didnt let me so Monday, XX/XX/XXXX I called again. The next lady I spoke to I explain the situation to her. She put me on a brief hold came back. Asked me if I could try again I proceeded it still did not work. She put me on hold for a second time came back to the line asked me to try one more time. I proceeded it still did not work. She then said she had to forward this to her back office team and I would receive an email from them in 48 to 72 hours. Well its been 72 hours and I still havent received and email. And Im tired of calling in getting the run around, and getting my time wasted. Clearly calling 3 different times and getting 3 different answers, is evident enough that no one knows exactly how to fix this issue, and my money will remain on hold under PayPal unjustifiably.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: Accelerated Receivables Solutions
State: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX, Accelerated recievables solutions, and XXXX XXXX services placed a debt into collections that arose due to a data breach, which I believe is an error. The sequence of events is as follows : Data Breach Incident : On XX/XX/XXXX, a data breach occurred at XXXX that exposed my personal information. I was notified of this breach when I noticed the collections and immediately took steps to monitor my accounts and credit reports. 

Unauthorized Activity : As a result of this breach, an unauthorized account or charge was opened in my name, which I disputed with all credit unions on variety of dates. I provided supporting documentation, including a copy of the breach notification, proof of identity theft, and dispute letters to the credit bureaus. 

Debt Collection : Despite my dispute, the credit companies placed the debt into collections, causing further harm to my credit score and financial standing. This action was taken without adequately investigating the dispute or resolving the matter. 

My Actions : Since learning of this issue, I have taken the following steps : Contacted all credit company to dispute the debt. 
Provided evidence of identity theft/data breach. 
Submitted disputes to the credit bureaus. 
Filed a FTC Identity Theft Affidavit on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Synerprise consulting services placed a debt into collections that arose due to a data breach, which I believe is an error. The sequence of events is as follows : Data Breach Incident : On XX/XX/XXXX, a data breach occurred at XXXX that exposed my personal information. I was notified of this breach when I noticed the collections and immediately took steps to monitor my accounts and credit reports. 

Unauthorized Activity : As a result of this breach, an unauthorized account or charge was opened in my name, which I disputed with all credit unions on variety of dates. I provided supporting documentation, including a copy of the breach notification, proof of identity theft, and dispute letters to the credit bureaus. 

Debt Collection : Despite my dispute, the credit companies placed the debt into collections, causing further harm to my credit score and financial standing. This action was taken without adequately investigating the dispute or resolving the matter. 

My Actions : Since learning of this issue, I have taken the following steps : Contacted all credit company to dispute the debt. 
Provided evidence of identity theft/data breach. 
Submitted disputes to the credit bureaus. 
Filed a FTC Identity Theft Affidavit on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am writing to formally request verification and supporting documentation for the information you have furnished to the credit reporting agencies regarding my account, numbered XXXX. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies that require immediate investigation and resolution. These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) requirements for accurate and fair reporting. 

Discrepancies Identified : Date of First Delinquency : XXXX reports the date as XX/XX/year>. 

XXXX reports the date as XX/XX/year>. 

Discrepancy : XXXX variance. 

Date of Last Payment : XXXX reports the date as XX/XX/year>. 

XXXX reports the date as XX/XX/year>. 

Discrepancy : XXXX variance. 

Payment History : XXXX shows the account as 30 days past due in XX/XX/year>. 

XXXX and XXXX show the account as " Current '' for the same period. 

These differences call into question the accuracy and reliability of the information you are reporting to the credit bureaus. 

Request for Verification : Pursuant to 15 USC 1681i, I request : Complete Documentation : Copies of all records, agreements, payment histories, and correspondence related to this account that verify the accuracy of the information reported to the credit bureaus. 

Proof of Ownership : Evidence that Synchrony Bank has the right to report and collect on this account, including a copy of the original agreement and any amendments. 

Details on Discrepancies : A detailed explanation of the discrepancies outlined above and how they were determined to be accurate during your reporting processes. 

Congressional Findings of the FCRA : The FCRA states that : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' It is essential that you provide the requested verification and documentation to ensure compliance with the FCRA and to maintain public confidence in the credit reporting process. 

Next Steps : Please provide the requested documents and verification within 30 days of receipt of this letter. If you are unable to verify the accuracy of the information, I request that you promptly notify all credit reporting agencies to delete this account from my credit file. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt 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