vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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: PA

Complaint narrative:
I have reached out to Transunion via mail over a month ago and havent received a response to my letter. Today Ive contacted Transunion for a representative and today my rights were violated. I spoke with the fraud representative name XXXX at XXXX XXXX. Ive asked for these things to be removed exchange for not being reported to the CFPB if these things were removed immediately. I was consistently harassed about send in a police report. Also was told TransUnion has the right to report anything. I then asked where does it state that thats whats needed in the FDCPA? And I stated TransUnion is currently in violation and stated the following violation below * 15 usc 1681 a ( e ) * 15 usc 1602 ( i ) TransUnion has no right to report false or inaccurate information. 

Im telling you to remove the following items 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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a collection account on XXXX  that was removed and after about six months the account was added back to my credit profile.

According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give XXXX  written permission to furnish a consumer report about me, nor specific entries contained within a consumer report. 

As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that XXXX  remove the collection account that XXXX XXXX ( also known as XXXX XXXX XXXX ) illegally placed on XXXX  as well as Equifax. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NJ

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I been filing this dispute for about the 3rd time I have not have had any luck with removing the items and its causing me a great deal of stress. ive provided proof and there hasn't been resolved please help me fix this issue so I can try to get a home.

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 2021-06-14 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
XX/XX/2021 a summon for debt {$2900.00} from a company I have never heard of. Company representing XXXX  XXXX Malen & Associate P.C Address XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone number ( XXXX ) XXXX ext XXXX I returned a phone call on XXXX about The certified dispute letter to verified the debt. 
Called on XX/XX/2021 to follow up about verifying the debt. No update on verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase & Co is who I bank with, checking, and credit card. I am in the middle of trading my car that's paid off in on a new car and was going to use the equity to pay off my credit card, I was under the assumption chase was being paid the full amount and in fact check was delayed, I had no idea nor was I informed so I got 30 days late. Once it hit my credit report as 30 days late I took care of it and asked them to remove it seeing it wasn't late anymore and they are flat out refusing to do so out of any kind of courtesy for an over a decade long customer. I explained when XXXX ran my credit it had dropped over XXXX points over this making the new car impossible along with me paying my debt to them. Along with ruining a decade of perfect payment history on credit bureaus. I have looked and talked to many people that they have removed 30 late`s for thousands. And the only reason this has happened was lack of hours ( work ( due to COVID. Any help would be very appreciated on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I've called HP Sears multiple times, faxed three ( 3 ) and wrote to them four ( 4 ) times including the request for Validation Letters that I'd sent to the reporting Vendor. 
I've asked that they verify Per the Fair Credit Reporting Act, 15 U.S.C. 1681. To please PHYSICALLY verify and VALIDATE as required under the FCRA all of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS regarding a collection that they have been reporting on my report since XX/XX/2021. 

I've written to XXXX requesting VERIFICATION on XX/XX/2021, XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX. 

They have yet to provide the required data.

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 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Hi, I have asked PayPal for help and I have also sent them the requested documents. However, they are still not allowing me to have the {$30.00} which is in the account. 

Additionally, they are keeping {$30.00} in the account and not allowing me to transfer it to either of the two bank accounts that were already associated with the account. 

Please help. I would like my full {$30.00} returned to me. 

The account is listed under the email address of : XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MD

Complaint narrative:
What is the reason you have closed my complaint # XXXX? 
I indicated that I was not satisfied with the response. They have only made things worse so far. 

Please review my notes and comments and responses. 

One department at Home Point is telling me the reason the taxes weren't paid is because they were not on the settlement statement and that upon running an escrow analysis they found there is a shortfall in the escrow account. 

Another department sent me a refund check for what I paid in taxes. However they indicate there is a shortfall in the account so why would they send me a check if there is a shortfall? 

Additionally the escrow analysis seems to have errors. But no one seems to be able to address this with me. I need someone to get my account straightened out. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I submitted to freedom mortgage on XXXX XXXX that we were approved for 10 % XXXX vets in the county that we reside in. I submitted all the paperwork to them to show that the XXXX vets was approved. I spoke with someone on XX/XX/XXXX to check on the status of the request. I was told that they have until XX/XX/XXXX to get the information. I did not hear anything back, so i called on XX/XX/XXXX. They started that they have the old information from XXXX and started that the tax assessor gave them the information from XXXX. When i applied i told them that the exemption was for the current year which is XXXX. The company closed my case and refused to get the corrected information from the tax department. Currently, they have our escrow amount at the wrong amount and is supposed to be XXXX less. Basically they are taking XXXX more than what they should be and is refusing to correct the issue. Then the supervisor asked me to get the information on their behalf which was the first time this was requested. I was previously told that they would get the amount from the tax assessor or send someone other there to get it. At this point, freedom mortgage is lying about my property taxes and refusing to get the correct information for the tax Assessor. Meanwhile they are taking XXXX more from us then is required. I really need help with this. We are being taken advantage of and rob by this mortgage company.

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 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC is reporting 3 different Date Last Active. 

XXXX reports XXXX XXXX reports XXXX XXXX reports XXXX This is in Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Following a complaint, XXXX XXXX XXXX agreed, in writing, to remove a charge off notation on my credit report files ( letter attached. ) It has corrected with two of the agencies, but Experian has not removed the notation. 

I attempted to dispute online and was unable and have had no success with calling Experian.

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 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
FOR THE TIME BEING, THE ONLY INCOME I AM GETTING IS UNEMPLOYMENT BENEFITS AND I HAVE SENT SELECT PORTFOLIO DOCUMENTS OF THE PAYMENTS I GET AND WILL GET UNTIL XX/XX/XXXX. THEY HAVE REFUSED TO ACCEPT THESE DOCUMENTS AND PROCEED WITH ASSISTANCE IN THIS HORRIBLE TIME INSISTING THAT THE ONLY DOCUMENT THEY WILL ACCEPT IS AN AWARD LETTER FROM ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY. I HAVE TRIED TO EXPLAIN TO THEM THAT IDES EITHER NEVER SENT SUCH A LETTER THIS YEAR OR SENT IT BUT PROBABLY TO THE ADDRESS OF WHERE I RESIDE RATHER THAN MY POB THAT I USED WHEN I FIRST FILED FOR UNEMPLOYMENT BENEFITS XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XX/XX/2020 {$38.00} Wrote the corp. informed them that As consumer, the natural person, and the original creditor Pursuant 15 USC 1602 ( g ) my SSN card is my credit pursuant 15usc 1602 ( l ) I understand my SSN is an open consumer credit plan the are violating my rights 15 USC 1666b ( a ) which they are reporting to the CRA a late payment which is a violation They are damaging my consumer report by reporting this false allegations and seems don't care about the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Sent money to XXXX XXXX via XXXX for XXXX XXXX XXXX XXXX. they then sent we this tracking number XXXX to this site XXXX XXXX XXXX. they then demanded over {$500.00} more dollars to release from XXXX. All of it is fake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NJ

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021

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 2021-06-14 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: NJ

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
I had several hard inquiries on my account that I did not authorize. I called and sent several dispute letters. 

Company TransUnion Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX XXXX  Company XXXX  Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : Dont show XXXX XXXX Date : XX/XX/2020 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 2021-06-14 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: CA

Complaint narrative:
Thursday XX/XX/XXXX my credit union emailed me an alert on my credit, which I immediately checked into. From my credit union website, I was linked into XXXX where I saw the alert for a delinquent account ( and I've learned the only agency reporting to XXXX or to my credit union is TransUnion XXXX. The creditor name is XXXX XXXX XXXX in XXXX XXXX XXXX, UT, which I'd never heard of before this point. The delinquent amount is {$270.00}, and the payment status is collection/chargeoff. Since XX/XX/XXXX, I have spent countless hours and days trying to get some person or agency to direct me to the right course of action. First I was told to file reports and complaints with police and credit bureau 's, then was told there's no issue and nothing to be found. But the alert still shows on my credit, and at this point XXXX XXXX XXXX says it's TransUnions problem, while TransUnion will not allow me to file a dispute a with them- which was the decision of a defensive supervisor named XXXX  who I spoke with late in the day on Thursday XX/XX/XXXX. That's the shortest version of how every entity has deflected responsibility. The delinquent account does not show in my XXXX  or TransUnion reports, nor does it seem to have affected my score, but it is still in my alert through my own credit union.

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One credit card has accepted my overpayments but could not do a reversal of the overage amount. Why, if a mistake? I sent them my handwritten mails something was wrong. They did nothing for 2 months now. I am still waiting for a correction and then they overbilled their segments sections, their calculators are torn up in billing or something. I understand they do no reversal paymrnts back to my debit card but did not credit my payment accurate from the minimum amount owed. What will happen more or did they steal from me in the months XXXX, XXXX, and XXXX currently if no special transactions or corrections of payments around each of its due date, which months segments were wrong. You have my permissions and consents to view all my billing statements with Capital one credit card, I shall await your remedying. I want $ XXXX- $ XXXXcash monetary settlement, to myself, owner of the credit card account for no right explanation given to the consumer to remedy. I want no retaliations. I should have been given a breach notice to me, once again someines wronged me by doing nothing. Look under items with Restrictive Words, Conditions, or Instructions to find their policy answers they did not apply they rejected my payments, proofs in their own words. Their address : Capital One XXXX XXXX XXXXXXXX XXXX, NC XXXX. I want your full legal services and settlements for myself, XXXX XXXX. I received nothing from no one as a settlement check, yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JPMCB CARD opened XX/XX/2016 Account charged off. {$630.00} written off. Account closed at credit grantor 's request. 

{$630.00} XXXX XXXX XXXX refuses to remove from my credit report after multiple disputes and requests to do so. 

Collection Contact Info : JPMorgan Chase Credit Card XXXX XXXX XXXX XXXX, XXXX, DE XXXX Request to remove unlawful collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: VA

Complaint narrative:
I have fraud inquiries on my report and a collection from a hospital

Company response to consumer: Closed with explanation