vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to TransUnion, XXXX and XXXX disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The following debts belong to my father who died from XXXX  in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A XXXX XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices XXXX {$2600.00} XX/XX/XXXX ) ( Resurgent funding. 2 accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX  {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX  XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
The following debts belong to my father XXXX XXXX XXXX XXXX  in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A local XXXX XXXX county judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX XXXX Disputed twice still on XXXX credit report ). ( law offices XXXXXXXX XXXX XXXXXX/XX/XXXX ) ( XXXXXXXX XXXX 2 accounts. {XXXX XXXX Cards obtained XXXX XXXX. XXXX began XX/XX/XXXX. ( Mariner finance XXXX XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX XXXX. XX/XX/XXXX XXXX this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App is a mobile payment service that allows users to transfer money to one another using a mobile phone app. has been taking fees without my consent from my XXXX XXXX Personal Account unknowingly from XX/XX/2023 to XX/XX/XXXX, XXXX and is stating it was a business account which provides Goods and Services I DO NOT do any Business ' on this account again its a Personal Bank Account. 

Theyre excuse for charging the Fee ( s ) is that I was on a business account which handles goods and services. Instead of a personal account and thats why they were taking the fees they switched my account back to what they call a personal account finally on XX/XX/2023 and refunded me my fees going back ONLY seven days I would like all my fees credited back from the initial date of XXXX the XXXX 2023 since I had no knowledge and gave no consent and they continued taking fees for the three month period!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On the following dates XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX and many others by phone mail and online have disputed with Transunion. and as recent as XX/XX/XXXX I filed a CFPB complaint # XXXX. Informing Transunion of the constant errors on my report regarding a alleged public record which contains Docket # XXXX. 
SEE ORIGINAL DISPUTE.pdf Transunion have neglected to properly investigate. I have requested Method of Verification on numerous occasions and they Have failed to comply. 
( SEE METHOD OF VERIFICATON PDF ). 
They have failed to place the required notice of dispute. They have yet to provide me with the Name of the Furnisher. 
The alleged public record should only be allowed to be reported to my consumer file if Furnished or verified by the original creditor. Evidence A.pdf is a letter that was provided by the Deputy Clerk of the US Bankruptcy Court or ( Original Creditor ). Clearly states they DO NOT report directly to ANY Credit Bureau. 
Evidence B.pdf is a Tri-merge snapshot of my credit report public record section. Evidence B.pdf also displays inconsistent reporting. FCRA clearly states if the information is not 100 percent verifiable. It can't remain and must be immediately removed from a consumer file.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
I am a victim of identity theft and have repeatedly reported instances of fraud using cash app someone is currently logged into my account in North Carolina and I reside in XXXX Maryland which is my current location

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: MI

Complaint narrative:
I have had vision coverage for eye exams for over a decade. I went to my local optician, XXXX XXXX XXXX XXXX ( Now known as XXXX XXXX ) in 2020, and they mis-billed my eye exam. I have received statements from them and called them directly and they said they would take care of it. For years I have been trying to get this resolved as they are asking for {$260.00} for a simple eye exam that should've been covered 100 % with my plan. I have countless notes and phone calls between them and XXXX XXXX XXXX out of XXXX XXXX, MI. I even have a voicemail from XX/XX/2020 from XXXX, customer representative, saying my balance has been taken care of. However, I continue to receive phone calls from AmeriCollect regarding this debt owed and I refuse to pay it when I had eye care coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, on XX/XX/XXXX, I mailed a payment to XXXX XXXX, check was made payable to XXXX XXXX in the amount of {$3400.00}, this check was stolen from the mailbox and fraudulently endorsed and deposited to XXXX XXXX XXXX on XX/XX/XXXX. This check was cleared from my chase account on XX/XX/XXXX, i discovered this a week later after i got an email from XXXX that my payment was not received, I immediately filed a claim, and to this day i have not gotten my money back from chase, I am being told every time, that they are awaiting a response from XXXX  XXXX XXXX. I have been working with a manager from chase who keeps telling they are still waiting, yet he read a disclosure stating that chase can give me credit pending the investigation, yet they are not willing. I would like my money back as this is FRAUD, chase acknowledge this issue as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
To Whom it may concern I have received information regarding a debt that is being claimed against me. Through my rights in accordance 15 U.S.C 1692g FDCPA violation. They failed to send me required and requested documents to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
This debt collector, McCalla Raymer Liebert Pierce, LLP, is attempting to ( 1 ) steal excess proceeds following the foreclosure sale of my primary residence as attorneys fees, ( 2 ) erroneously pay alleged personal debts to entities they do not represent, and ( 3 ) require a waiver of my legal rights to receive the funds. The firm acted as counsel for the mortgage holder in the foreclosure. They failed to respond to numerous communications seeking documentation on the sale, an accounting of the proceeds, including how the amount due mortgage holder. Furthermore, among the funds to be collected by the mortgage holder, were {$4000.00} in foreclosure attorneys fees. Yet, the firm attempts to deduct an additional XXXX XXXX dollars in attorneys from the proceeds due borrower. Additionally, the firm seeks to pay an alleged personal debt out of the proceeds which it lacks the right to do. In short, of the ~ {$17000.00} it states is the amount of excess funds, this debt collector claims it and other entities that it does not represent are due ~ {$13000.00}. Finally, the firm is forcing me to sign a Hold Harmless Agreement which seeks to waive my rights to challenge the calculations or seek other judicial relief in order to receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXt Account XXXX XXXX, has violated my rights. 
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sychrony Bank, XXXX, Utah ( Seems to be the Credit card manager for Lowes credit cards ) has been charging me late fees and crazy interest for a Lowes credit card the store pressured me to open, explaining how great the card was and low the interest rate would be. In XXXX minues at the register she said i was signed up and after reviewing a few statements I quickly realized that was not the case at all. Every month thereafter I was charged about {$70.00} per month in fees and interest. So when I paid a monthly amount of {$100.00} only {$30.00} was coming off my overall balance? I wrote them, questioning this, and they immediately lowered my credit limit to the exact anmount I owed, and I further explained to them I will be reaching out to the proper agency to expose them for what they are -THIEVES! 
I finally after about 6 months paid the entire balanace off, but a {$1000.00} credit card balnace, cost me over {$500.00} in fees and interest, to have for 6 months. Something is very wrong here. How many good americans are getting the same selljob, and then getting the complate opposite and further trying to punish me for calling them out on it ... ..in my opinion, that is the bigger problem here, for they are a US fudiciary and bank, and should be holding themsolves to a much higher standard. Thank you for reviewing this problem.

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 monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sensible Auto Lending, LLC
State: NJ

Complaint narrative:
Hello. We, XXXX XXXX XXXX, a used car dealer in NJ paid off a vehicle loan on XX/XX/XXXX and still have not received the vehicle title or XXXX release. We have been leaving messages for the bank since XX/XX/XXXX with no return calls. 

Bank : Sensible Auto Lending, XXXX Old XXXX XXXX, XXXX XXXX, XXXX CT XXXX Check # XXXX for {$6900.00}. 
Vehicle we took in on trade and paid off was for XXXX XXXX on a XXXX XXXX XXXX XXXX XXXX. The account number was XXXX. 

Can someone please help me obtain the title and/or lien release for this vehicle? It is my understanding this bank is now out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to XXXX, Equifax and XXXX disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I contacted Freedom mortgage on XXXX regarding late payments on my credit report. It states on my credit report with XXXX  and XXXX  that I became 120 days late in XXXX  of XXXX. I wrote to them asking how this could happen. I do not ever remember missing a payment and especially not 4 months of payments. When did I become 30 days late, when did I become 60 days late, when did I become 90 days late??? How did I arrive at 120 days late in XXXX. If you look at ANY of my mortgage accounts I was NEVER late on ANY of my payments. There has to be some error and this needs fix because it is damaging to my credit score and my character.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s ).

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