vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. XXXX XXXX were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. XXXX and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE REMOVE THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE REMOVE THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My social security number is XXXX on my experian credit report theirs is XXXX hard inquiries they supposed to be removed I have a federal trade commission identity theft report on file please remove fraud inquiries

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 2023-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I called in to ask why my spot me decreased like I was new account holder 2 different people helped me on phone. They told me chime representative and they had me download an app so they could remotely get into my account the guy looked in every banking account I have on my phone and when I asked why he said u talk I hang up and u don't get ur money back they lady prior to this did same I trusted them she took XXXX. From my cash app transfered it to my chime then paid some name idk all my money and now can't get back I think k it's scam... .please help they took all my money My number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: MN

Complaint narrative:
I would like the Hard Inquiries to be removed from my credit report. One of which I dont recognize and 2 I had no idea they had to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized activity identified in my credit report with XXXX XXXX on XX/XX/2023. I called them to request they remove the hard inquiry from my report and the application submitted was not from me. 
XXXX XXXX assured XXXX XXXX would report tge incident and have tge hard inquiry removed.

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 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
" XXXX XXXX XXXX XXXX '' is the original creditor and a collection agency is " Common wealth. '' According to the reports i was able to access this was opened on three different dates XX/XX/23, XX/XX/23 and another on XX/XX/23. And the amount is {$1600.00}. Ive already contacted XXXX for false collection and that no information of this debt was communicated to me by mail, email, or phone and that it suddenly appeared on my credit score. Ive contacted my hospital for records as well and ill be contacting my banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the r
eporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : 9866 Delete this account.

2. there is some inaccurate information reporting.

CAPITAL ONE Account Number : 51780577 Delete this account.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CREDITACPT Account Number : 10279 Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CREDITACPT Account Number : 10279 Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 CREDIT COLL Account Number : 2240 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
My loan was transferred to SLS from XXXX XXXX ... upon transfer my covid forbearance escrow that was previously spread over 36 months was changed to being spread over one year ( a default period ) and my payment just went up by XXXX!! The payment was automatically made as I'm on autopay. I called in and apparently they said they would fix it back to 36 months going forward. ( which I don't know if that has happened ) However, I would like to request a check back for the over-payment in XXXX of {$500.00} as this was not my fault but an error in the SLS system arranging the escrow over a year by default and not by my forbearance plan. Upon requesting this they acted very put-out and I was sent to a supervisor. I was then put on hold for about an hour and finally hung up on after the supervisor heard my story. So I then called back in, waiting another half an hour for a supervisor and hung up on again. I tired sending a secure message through their online system which received a canned response with no way to reply. SLS has a terrible system for communication. It seems like it's designed for customers to not reach a live person who can help. And when an agent gets a tougher situation which may take some effort to fix, they just hang up.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These accounts are reported incorrectly and do not belong to me, I want it to be deleted 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 2023-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Someone stole my ID and other items from my purse. Then they were allowed to withdraw {$1800.00}. On XXXX and {$2000.00}. On XXXX. I called the bank and met with bank Mgr. And filled out an affidavit. I also reported and filed areport with XXXX police. I was finally told my claim was denied, because I failed to protect my ID and account number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
XXXX Accounts XXXX. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/XXXX ] - **Outstanding Balance** : [ {$930.00} ] XXXX. Account Name : [ XXXX ] - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XXXX XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$900.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
XXXX Accounts 1. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have demanded that these agencies remove these accounts from my credit profile. That I did not give permission to be there.

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 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I have asked MOHELA for specific information about a failure to discharge my qualifying student loan several times and have never received answers my specific concerns regarding the substantial delay in discharging my qualifying application. 

I would like answers to XXXX ( XXXX ) specific questions : XXXX. I had XXXX of XXXX qualifying payments at the time I submitted my XXXX application and employment certification in XXXX of XXXX with FedLoan - over 15 months ago. I want to know what MOHELA is doing to research the error that appears to have occurred when my application was transferred from XXXX to MOHELA and how they have communicated with XXXX XXXX this failure to review and discharge my loan. 

XXXX. As my loan should have been XXXX prior to the end of the COVID forbearance, I would like to apply for a refund of any interest that accrues while I wait for MOHELA and the XXXX to resolve this issue. My state considers student loan forgiveness to be income and the additional balance will be an added financial burden that I should not have to pay. Please provide this information. If an interest refund is not available, I would like a detailed justification of why I should be paying interest on a loan that more than qualified for discharge at the time I submitted my application in XXXX of XXXX. 

XXXX. The period of administrative forbearance approved for my loan is only through XX/XX/XXXX. I would like reassurance that administrative forbearance will be automatically extended if this issue has not been resolved by XX/XX/XXXX. Given the time my XXXX application has already been in review, this seems like a more than reasonable request. 

I would like a response to each of these specific questions. I will not accept an answer from MOHELA that only repeats their assertion that XXXX is responsible for the final review. MOHELA is the official servicer for XXXX applications and is responsible for addressing any errors or delays in processing applications. 

I have attached MOHELA 's Third Party Authorization Form to allow them to communicate with CFPB about my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was incarcerated on XXXX, and could not find my bank cards, ID, etc. I finally gave up XXXX and called to get a new card and I inquired about the balance and if there was any recent activity on the account since I could not find my card. At that time I was informed there had been activity on my account going back all the way through to the date I began my incarceration. I told them I obviously could not have made the charges and wanted to dispute the charges, which they claimed they would start a dispute ( which they did not do at that time ) they claimed that my card would be deactivated, and they sent me a new card around XX/XX/XXXX which was when I finally gained access to my account for the first time since XX/XX/2021, and I made a {$300.00} withdrawal the day I received my card. I had no access to their app due to being locked out of my email that was on record and I no longer had the phone number on record. I spent hours trying to update my email and phone number, sending pictures of my ID, photos of me holding my ID with mail addressed to me with the same address on record as well as the ID but because my current number was linked to a current Chime account I was not allowed to update neither my email or phone keeping me locked out of their app. After every purchase I would call to balance my account with what I had written down and they would never match up so purchases were still being made online with cards that I was told were no longer active via XXXX. I spoke with multiple service agents and received XXXX different new cards and had been told all 3 times disputes were being started each time. It was not until the end of XXXX that I finally was able to get a supervisor to process a dispute with me on the phone going through each purchase going back to XX/XX/2021. I was given the dispute number of XXXX and was told to email any documents supporting my claim such as documentation of my incarceration. Since they refused to allow me to update my email address on record, they refused to accept my documentation since it did not come from the email address they had for my account. On XXXX I spoke with XXXX who finally gave me a XXXX for my dispute which came to a total of {$4800.00}, and when I asked for an update she transferred me to her supervisor XXXX who simply informed me my XXXX was denied. When I asked why it was denied he said he wasn't sure. I asked for the documents and evidence available to them when they made their decision and he told me they were not allowed to provide that to me, and I asked to elevate my dispute and I was hung up on. I also have {$400.00} sitting in a savings account I am unable to access because I am locked out of their app and they will not allow me to transfer the money to my checking account any other way except through the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This XXXX XXXX XXXX XXXX XXXX refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the complaint. 

THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified '' NOT " VALIDATED '' REMOVE THESE ACCOUNTS NOW! 

XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE DELETE THESES accounts XXXX ) XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXXXXXX XXXX  account # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX XXXX account # XXXX I never gave my permission to furnish any negative accounts. 
Please Delete XXXX XXXX XXXX XXXX XXXX XXXX. Address 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