vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX # XXXX, XXXX  XXXX # XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX, XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXXseveral inquiry date XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, these fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Quantum Servicing Corporation
State: NY

Complaint narrative:
It does not appear that my account was debited or credited correctly, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I may attempt to resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HILLTOP HOLDINGS, INC
State: MO

Complaint narrative:
My loan was paid off on XXXX XX/XX/year> and I still have not received my escrow refund. They said that a check was mailed on XXXX XX/XX/year>. I have called the loan servicer twice. The first time I called on XXXX XX/XX/year> and I was told that I would have to wait 15 days before filing a claim on this issue. I called again on XXXX XX/XX/year>, and they told me that I would have to wait 30 days before filing a claim on this issue. According to 12 CFR 1024.34 ( b ) ( 1 ), all escrow refunds must be processed within 20 days, and it has now been over 50 days. 

The servicer for my loan is Prime Lending and the mortgagee is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I have submitted a number of affidavits and have established default on MIDLAND MORTGAGE MIDFIRST BANK ACCOUNT NUMBER XXXX for purloining indorsed bill Of exchange I have mailed to the service provider and they have rebutted with mailing siting the tender of payment I submitted is not recognized as legal tender and will not be accepted now or in the future as payment on loan. Midland Midfirst are the issuers of the bill, they mailed it to me, I inspected the principal amount and accepted it for deposit payable to bearer on demand paid in full. I tendered the presentment siting to transfer principals interest to principals account to set off and satisfy the account. Midland Mortgage Midfirst Bank are in tier XXXX XXXX per day violation Federal Reserve section 29

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
on XXXX XXXX, XXXX Comenity Capital Bank decided to CHEAT me by their claim of Late Payment. 
They mailed me a Bill ( {$110.00} ) ; I sent the FULL amount. 
the following month 's statement indicated a remaining Outstanding balance ( {$33.00} ) ; The bank ( falsely ) claims that my payment ARRIVED 6 days __too late__. 
( They easily could claim " LATE '' with any incoming postal delivery. ) I wrote and included the billing statement with my OBJECTION expecting resolution ; a 3rd billing cycle account statement arrived was shocked : for what they claim is a 6-day late payment, the interest charges amount to {$33.00} AND that they are now Compounding the fees so that my NEW balance is ( aprox. ) {$66.00}! 
I then telephoned Comenity Bank and was given mere excuses. Over the telephone I insisted that my balance be brought to $ XXXX or else I must contact authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: MS

Complaint narrative:
In XX/XX/year> I missed a payment with my mortgage company do to a hardship of my husband passing with loss of income. I'm aware of the mortgage company reporting this late payments to the credit bureaus that caused my credit scores to decrease by XXXX points on all XXXX bureaus I'm not aware of credit card companies being allowed to do a pull of your credit without your consent. in result of the credit card companies pulling my credit without my consent several of the companies lowered my credit limit that threw my accounts into using more than 30 % of my credit card balances. when I was able to become current on my mortgage the mortgage reported status is now current to the bureaus. In result of my mortgage being current XXXX raised my credit score by XXXX points, XXXX raised my credit score by XXXX points, TRANSUNION DECREASED my credit score by XXXX points. I called Transunion to ask why didn't my score increase due to the mortgage being now current I was told because my credit cards were maxed out and that the maxed outweighed the increase of the points for the mortgage being now current

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this explanation regarding the lack of action by Equifax to investigate two specific accounts I disputed via mail. On XX/XX/2024, I sent letters disputing the accuracy of these accounts, providing detailed information and supporting documentation to assist with their investigation. Despite my efforts, there is no evidence that the disputes were properly investigated or resolved. 

The disputes were mailed to the credit reporting agency at their designated address for handling disputes, and I included all necessary documentation, such as account names, reasons for dispute, and copies of supporting evidence. I also requested written confirmation or the results of the investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

Since submitting these disputes, I have received no acknowledgment of the investigations, nor have I been provided with any evidence that the accounts in question were verified or corrected. The disputed accounts remain unchanged on my credit report, and I have not been informed of any findings or outcomes regarding these disputes. 

This lack of response has persisted for nearly a year, despite the FCRAs requirement that disputes be investigated in a timely and thorough manner. As a result, I have been negatively impacted by the unresolved inaccuracies on my credit report, including higher interest rates and limited access to credit opportunities. 

I request immediate review and escalation of this matter to ensure these two disputed accounts are properly investigated, and any inaccuracies are corrected. I am prepared to provide additional documentation, including copies of the original dispute letters and supporting evidence, if needed to identify the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
on XX/XX/XXXX. 2021 at XXXX i proceeded to transfer my currency ( XXXX  ) XXXX from Binance to Binance.US exchange in the sum of XXXX. 
the token left my wallet but never got transferred to the exchange Binance.US.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

Company 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 2024-12-10 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: LA

Complaint narrative:
ACCT # : XXXX, XXXX SSN : XXXX XXXX : XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXXXXXX : I recently received a debt collection notice from your office with an account number # XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
ACCT # : XXXX, XXXX SSN : XXXX XXXX : XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXXXXXX : I recently received a debt collection notice from your office with an account number # XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company 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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, my Capital One account was compromised, resulting in unauthorized withdrawals that depleted nearly all of the available balance, plus a credited amount for a portion of the unauthorized charges, executed through the platforms " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Upon returning to town and accessing my bank account, I immediately noticed the discrepancies and contacted Capital One. The bank responded promptly, crediting back the full amount that was withdrawn. However, I chose not to utilize the partial credit of {$12000.00} issued by XXXX XXXX XXXX, which was deposited under my correct name, opting instead to leave those funds in my account, just in case of them later saying it was not returned etc. Now I am held liable for these funds. 

Subsequently, Capital One decided to close my account and has forwarded the remaining balance to me. However, they have placed a hold on the {$12000.00} credited by XXXX XXXX XXXX, and no specific timeline or release date for these funds has been communicated to me.

Company response to consumer: Closed with explanation