vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was never notified by bank of america of the data breach from XX/XX/XXXX. My debit card XXXX was hacked XX/XX/XXXX. Bank Close debit card representative hung up on me. Called back had to enter a Different debit card number XXXX to get through. Explained to the representative what had just happened. He proceeded with more information and to get me out my new card.However he also closed the card ending XXXX in error. I get my 2 new cards out in the mail.A few days later with the wrong name on them. I get the replacement cards a few days later corrected. On XX/XX/XXXX My bank of america credit card limit was drastically reduced, No warning no ladder putting me over my limit impacting my credit. I have never been late one single day on this credit card.I have been a customer of this bank since XXXX that is XXXX  years! .I retired from BOA.. I do believe the two incidences had something to do with each other. I feel like. 
Due to the data breach they went in and lowered my credit limit on my credit card to minimize their risk, Also, noting.I was a XXXX  citizen and I feel age discrimination also came in to play With this decision. Multiple conversations phone calls.Letters emails went back to them. I got some lame response from a customer service representative today. With a generic reason they lowered my credit limit on my credit card. I did advise of my concerns. Which fell on deaf ears. I was not advised of the data breach Until I heard it from someone else. I'm questioning the integrity of this decision. I think they have filled me as a consumer but not notifying me Of said breach. This is calls me undue stress XXXX  and a missed day of work after my card was declined at a store, Knowing I had just paid over a XXXX dollars on the credit card. Concerned about using the debit cards due to the data breach. But it seems they don't want to be held accountable for this action. This is not based on any credit history. I currently have I immediately pulled my credit report and there is nothing there to warrant this action as a XXXX  year. Customer with no issues. Use with this bank deposit. XXXX XXXX, XXXX XXXX XXXX, only they're dishonesty. Or miss information and neglect and notifying me that they breached my information XX/XX/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 2024-04-05 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: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: GA

Complaint narrative:
After receiving a copy of my consumer report. I noticed numerous inaccurate information reporting. Im understanding that the Credit Reporting Agency will investigate and assure that all information will that is being reported is accurate. The payment summary is reporting 120 days late in XX/XX/2021 and 90 days in XX/XX/2021. I find that information to be incorrect. Account is XXXX XXXX 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 2024-04-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of Identity Theft ; someone has stolen my information and opened several accounts. I have had no knowledge of these accounts. I have requested validation, made pursuant to the Fair Debt Collection Practices Act which is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations to pay these accounts and have received no response. It is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if this debt can not be validated it must be requested that all credit report agencies delete the entry.

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 2024-04-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of Identity Theft ; someone has stolen my information and opened several accounts. I have had no knowledge of these accounts. I have requested validation, made pursuant to the Fair Debt Collection Practices Act which is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations to pay these accounts and have received no response. It is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if this debt can not be validated it must be requested that all credit report agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX This is not my account. I was XXXX. This is identity theft.

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 2024-04-05 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: SC

Complaint narrative:
XXXX XXXX XXXX This is not my account. I was XXXX This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 2024-04-05 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: MOHELA
State: ID

Complaint narrative:
I do not have any loans prior to Fall XXXX semester, which is in good standing. My spring XXXX loan is the one that is very messed up. I have XXXX XXXX XXXX XXXX XXXX  and interest has been deferred on all student loans until XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I was not contacted by the provider, Mohela, at all and they did not contact my references. I got an email in XXXX stating that my loan has been transferred to them and welcome. XXXX XXXX they sent me an email stating I can setup my online account. XXXX XXXX they email stating they have been trying to contact me via mail and phone calls ; this is completely false. I never got a single piece of mail from them and not a single phone call. I signed into my account shortly after receiving the email that they haven't been able to contact me and there were no notifications. I verified that all of the information is correct. By XX/XX/XXXX, they have sent a notification to my credit report saying they havent been able to contact me and it dropped my credit score 1XXXX points. I have contacted both Mohela, sat on hold for hours with no one ever picking up, and XXXX twice disputing this credit score update. XXXX closed my first dispute stating that they tried to contact Mohela but they havent responded even though its been over a month. The second dispute, they wrote that Mohela was able to get ahold of me. I was the one who contacted both Mohela and XXXX, not the other way around. My credit score still hasnt been updated. I went from an excellent credit score with all of the correct marks to poor. No one is fixing it. I have contacted my school, XXXX, Mohela, and this agency so far. I will have to get a new or renew my lease for my apartment soon so I need my score to be updated before then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2023 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
There was a company that kept trying to withdraw {$2.00} from this account over and over again and each time that it did so the bank kept charging me a return check fee of {$34.00} and this happened so many times that they closed the account with me still owing them all this money for return check fees even though I don't even know what this company was that was trying to charge {$2.00} and I asked the bank to put a stop to it keeping me from getting other bank accounts and affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XXXX, my ex-wife and I had gotten a second mortgage with XXXX XXXX  on the house I currently live in for {$38000.00}. Around XXXX ( I don't remember the exact date ), that mortgage was transferred to XXXX. During the transfer, our payments were supposed to be put into an escrow account until the transfer was complete. Once it was complete, XXXX had no record of those payments or the account. After trying to work the issue out with XXXX, we contacted a federal agency for help. It might have been CFPB, but I don't recall. XXXX could not produce evidence that they had the right to collect any money from us and could not show that payments that were made were applied to the mortgage. We were advised to stop paying until they could produce proof. XXXX sued us and the case was dismissed without prejudice for lack of evidence. From that point on, nothing was done with that mortgage. Now I am trying to either refinance or sell this house to give my ex-wife her share of the equity. There is still a lien on the house from this mortgage in the amount of around {$46000.00}. This loan was transferred to XXXX in XXXX, which was then acquired by XXXX, and subsequent assets were transferred to New Residential Investment Corporation. Their servicer, Shellpoint Mortgage Servicing has sent a payoff letter to the title company I was working with for the refinance. I do not recall receiving any paperwork from XXXX, XXXX, or Shellpoint. I sent a loan validation request letter though certified mail, which they received XXXX of XX/XX/XXXX ( I have the return receipt ). In that letter I requested information be provided within 30 days. I waited that amount plus some additional considering it sometimes takes a while for the mail to arrive. On the XXXX of XX/XX/XXXX I sent a second request through email, attaching the original validation request letter, and asked for a response by today ( XXXX XX/XX/XXXX ). I have yet to hear back from them. My issue is that I do not want to pay any money to them if they can not verify they have the legal right to collect it. Also, and please correct me if I am wrong here, I believe that if they do not have the legal right to collect then they do not have the legal right to release the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation