vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: PA

Complaint narrative:
Remove these inquiries, please. I'm unaware of the details, and the company acted 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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Without fail, I've maintained timely payments on this account, avoiding any instances of overdue status. I'm unsure as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, these should be addressed.

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 2024-03-21 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
I have several credit monitoring tools. How is it possible for there to be over 100pts difference in my credit 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 explanation
Consumer complaint received 2024-03-21 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: Asset Recovery Solutions, LLC
State: MS

Complaint narrative:
Asset recovery solutions has cold called an estranged relative claiming to have been given permission to call from the county. They continue to call after being told XXXX separate times to stop all calls. Cease and desist has been stated multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX {$4900.00} Not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: AR

Complaint narrative:
I called in the beginning of XXXX to ask about getting a payment refunded that Mohela was not supposed to pull because my account was supposed to be in a forbearance. They said they would process the forbearance for XXXX and refund my payment. I never received the refund. I called again to find out why I hadn't received a refund and the lady told me that the forbearance was submitted, but no one had applied it to my account, so they couldn't refund me the money. She said she would resubmit the forbearance and it would take up to 15 days for it to apply to the account. After it is applied, which she said there was no way of me seeing when it gets applied, she said I could call back and request the refund. 

My account is now past due because they still haven't refunded what would equate to 8 months of payments back to me. I feel like this is terrible negligence on their part and it is now affecting my family 's future. I have tried to send in messages, but they are not responded to for months, and all the response says is I have to call, which then requires calls that take no less than 30 minutes to try and find a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-03-21 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: CA

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.

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 2024-03-21 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: CA

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.

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 2024-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I paid my bill to XXXX  balance as always, inside of XXXX XXXX in XXXX XXXX, NV. I also turned in the equipment at the same time due to me moving. This was is XXXX due to needing to care for my XXXX grandfather in a different city. Fast forward to XXXX I was in process of buying a home, and when my credit gotten ran it showed that theres a collection for {$750.00} from XXXX XXXX XXXX. It also said it was placed XXXX XXXX. I then called to speak with them to see why, and the person that answered said they dont see an account in my name. Yet, theres a collection thats hurting my credit, in my name from XXXX. I then asked to speak to the manager or someone above him, and that person said the same thing. I disputed it and then it was sold to radius global solutions XXXX XXXX. Ive been trying to take all of the right matters to get this resolved but Im hitting dead-ends. My credit has been affected tremendously by all XXXX  credit bureaus XXXX, XXXX XXXX, and XXXX. The process on buying my familys home has become longer. I would greatly appreciate it if it could be removed completely and blocked from any other credit buyer immediately. If youd like to call or email me you may do so. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: NY

Complaint narrative:
This company 'XXXX XXXX ' has been falsely reporting incorrect, false information on my credit reports for XXXX years. I was an identity theft victim. This company was notified several times, they were informed about the unauthorized opened account. They closed the card, however closed the account as a charge off on my credit report. They were supposed to close the card and remove, they instead closed the account as a charge off unpaid as if they didn't know this was due to fraud, they have also sent a 1099 with no investigation. XXXX XXXX  is falsely reporting errors on my report!!! I have sent them the required and relevant correspondence. They have received the police reports, the dispute forms, my identification, my disputes from the XXXX bureaus of XXXX, Experian, XXXX also notified them. The NY attorney General notified them, the CFPB has notified them, they are not investigating legally, they are continuing to report inaccuracies on my file. They are in violation of the F.C.R.A. XXXX XXXX  IS ILLEGALLY REPORTING FALSE, INACCURATE INFORMATION OM MY PERSONAL CREDIT FILE. THEY WERE TO REMOVE AND DELETE THE ITEMSS ONCE THEY WERE NOTIFIED ABOUT THE FRAUDULENTLY OPENED ACCOUNT THAT WAS UNAUTHORIZED, THEY SAID THEY WILL CLOSE AND REMOVE THE ACCOUNT DUE TO FRAUD, EACH TIME THIS IS DISPUTED THEY PUT IT BACK. XXXX XXXX  HAS NO INVESTIGATION PROCESS IN WHICH I AM LIABLE FOR THIS ACCOUNT. THIS HAS TO BE REMOVED FROM MY REPORT THEY ALSO WERE REPORTING TO AN ADDRESS I WASNT ASSOCIATED WITH, ONCE I GAVE THEM MY ADDRESS ( FOR PURPOSES OF THEM MAILING ME DOCUMENTS REGARDING THE DISPUTE, THEY CHOSE TO REPORT MY CURRENT ADDRESS ILLEGALLY, THEY HAVE NO ACCOUNT OPENED AT MY ADDRESS OR PERSONAL INFORMATION IN 2019 AT THE TIME OF THE FRAUD. NOTHING MATCHED BACKED TO ME IN THEIR INVESTIGATION.

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 2024-03-21 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:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-21 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.

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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a statement from Chase basically displaying they have a check in my name for my remaining balance. I never got my remaining funds. I asked Chase to send it out to me and they are giving me no good reason as to why they can't send it to me. Just that they don't want to send it. Chase has been holding onto my funds for XXXX  years now. Do not bank here. They are thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had car loan with Ally Financial. It was for XXXX XXXX XXXX, which was paid off in XXXX. I have received the refund check in the amount {$280.00}. I misplaced the check, which means I did not cash it. However, I called Ally Financial and requested from them to re-issue the check. They promised to mail XXXX in, and made sure they have my current address of XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX. They failed to mail the check. So I called today again XX/XX/XXXX, and after speaking with the representative she advised that I need to be transferred to bankruptcy department. I asked why, since I did not file for the bankruptcy. I was unable to understand what she said due to poor XXXX. However, after she tried to transfer me, someone hung up on me. Ally never attempted to call me back or anything. Can you please help me getting my money bank, and making sure that my old and current accounts are not flagged for something I did not file for? 

Thanks Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: LA

Complaint narrative:
XXXX XXXX  overcharged me on a car loan with them in 2021 when I first started with them. they were reporting last payment on my credit even when I paid them which caused my credit so go down. the loan that was financed was double what the vehicle was for. i reached out to XXXX XXXX to verify the information and was told the information would be sent to me via mail. never received anything. they are still reporting incorrect loan amouth and days paid on my account

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 2024-03-21 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: LA

Complaint narrative:
XXXX XXXX overcharged me on a car loan with them in 2021 when I first started with them. they were reporting last payment on my credit even when I paid them which caused my credit so go down. the loan that was financed was double what the vehicle was for. i reached out to XXXX XXXX to verify the information and was told the information would be sent to me via mail. never received anything. they are still reporting incorrect loan amouth and days paid on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My vehicle was towed and than reposed by BOA my vehicle was a XXXX and they have not sent me no notification that my vehicle was reposed no communication by email no call nothing. But shows on my credit report a balance, i am not even sure if the vehicle was purchased or nothing like that

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2023, I attempted to dispute a public record currently being reported to my XXXX account. XXXX stated the company that reported the information has certified to XXXX that the information is accurate. Therefore, the information was not removed from my credit report. However, the United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Lastly, I attempted to dispute the inaccurate account again with both Transunion and XXXX via certified mail. This time asking for a response in writing on how they verified the information according to the " method of verification '' under FCRA 611 ( a ) ( 7 ). I asked that they include the courthouse, name of person at the courthouse, address of the courthouse and which document obtained to verify the bankruptcy.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They were to remove an account that is over XXXX XXXX XXXX from a bank and loan. They did not investigate in a timely manner and instead of removing it they put incorrect information and extended the timeline to remove it! 

I closed an account in XXXX  and they keep reporting and show and incorrect closed date! This account should not stay on until XXXX!!! No account can stay on my report for XXXX plus years. It needs to be removed immediately.

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 2024-03-21 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation