vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm reaching out to contest the presence of this bankruptcy on my credit report. It's worrisome since I have a court document expressly stating it shouldn't be reported to you. Additionally, the unauthorized third-party involvement makes this situation even more absurd.

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 2024-02-27 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: AZ

Complaint narrative:
I believe FCRA 605B means that incorrect accounts must be removed from credit reports. Could you please review the documents? There are some wrong accounts on my report, and it's making me feel uneasy.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts.

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 2024-02-27 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: AZ

Complaint narrative:
I believe FCRA 605B means that incorrect accounts must be removed from credit reports. Could you please review the documents? There are some wrong accounts on my report, and it's making me feel uneasy.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was not notified of XXXX of any late payments or right to dispute reporting of late payments prior to them being reported to the credit bureau. According to the FCRA a creditor must notify an individual of this.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: CA

Complaint narrative:
This Debt was on ALL 3 credit bureaus. I am a victim of ID Theft and this debt does not belong to me. I provided credit bureau and the correct documentation to prove this is not my debt.

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 2024-02-27 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The XXXX communication equipment was returned back in XXXX. I moved from XXXX XXXX, XXXX, Tx to XXXX XXXX XXXX. I have over the years sent credit letter challenging to no avail. This account /collection has re-aged this account for years costing me multiple denials including a refi. According to FCRA Section 623 ( 5 ) ( a ) they are in violation of re-aging this debt. it the original account was from XXXX then by XXXX a charge-off/collection process in say XXXX why in XXXX are they still reporting and attempting to collect a debt I do not own. Unfortunately from moves the box with important document is lost however this debt is still a re-aged debt that I want deleted from all reporting agencies including XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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 am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
No Knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Looks like my mortgage was turned over to a 3rd party, which I do not recognize. I do not have a contract with, but yet they continue to try and take my property. 

They returned a payment last month to look like I'm defaulting and asking for payment for this month. 

Looking at the document I provided you, they are not applying my payments property. And the fact NewRez is whom my mortgage is with tells me we have some criminal activity here and it needs to be investigated for fraud. 

ALL licenses of ALL parties are to be revoked to stop them from continuing this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please see attached : 1. Charges on my account were fraudulent confirmed by citi 2. why citi issued me 1099-C {$2800.00} which considered as debt discharged under CREDIT CARD LOAN? 

WHERE IS THE LOGIC?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-02-27 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: CA

Complaint narrative:
I am writing to express my deep disappointment regarding the accuracy of my personal information in your records. As a valued customer of your organization, I expect that my information is maintained with the highest level of precision and attention to detail. It is imperative that the necessary steps are taken to promptly update your records with accurate information. Failure to do so may result in legal action, as inaccurate data can have significant consequences on both my records and credit report. I trust that you understand the importance of this matter and will take immediate action to correct the inaccurate information without any delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This Complaint is against Bank of America, XXXX, Florida XXXX XXXX. 

The bank issued a Check, a Bank check through my, Make a payment area of my checking account. Its actually a check the bank writes then mails on set date. 

Thay wrote check, mailed it. It apparently CLEARED the day it was written mailed. The check was Not received by the party Check was mailed to. 

This clearing of a check has never happened in over 3 years I've been having bank issued checks sent for this payee. As stated Check was NOT RECEIVED by party yet Bank took the amount Out of my Account leaving me a Negative balance thus cause other payments to Bounce/Return payment costing me even more Money. I didn't get chance to deposit more money to cover the first Check/payment due to Bank 's Immediately taking amount of that payment, {$560.00}, thus leaving me- {$420.00} dollars overdraft. Fees to my account were charged by bank immediately of at least XXXX dollars. Plus the Outstanding overdraft. I have not made deposits due to Bank unjustly removing Cash from my Account BEFORE PAYMENT CHECK WAS RECEIVED.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XXXX XXXX I filled the following complaint with the CFPB. Here is the complaint. 

On XX/XX/XXXX I called what I thought was XXXX XXXX Customer Support.The purpose of the call was to change my award travel ticket to a different date. The phone was answered Customer Support so I had no reason to think it was anything other than XXXX XXXX. The support desk said they would change the ticket date for me but in the transaction they asked my for my credit card number. I thought this was very odd but I mistakenly gave it to them. I was worried about it and after I hung up, I called XXXX XXXX again to make sure the ticket change was legitimate and it was, Two days later I received a phone call from XXXX XXXX XXXX asking me about a charge for {$980.00} from something called XXXX XXXX XXXX. I said that I did not authorize any transaction to XXXX XXXX. I disputed the charge since I never spoke to anyone at XXXX XXXX XXXX. When I disputed the charge, MasterCard- through Barclay 's Bank , issued a credit for the amount and investigated it. After the investigation and my speaking to Barclays on XX/XX/24, they claimed that XXXX XXXX showed documentation that I authorized the charge. Barclays said that because I authorized the charge they would not cover the {$980.00}. I asked if they heard a phone recording or what documentation did they receive to substantiate that claim? I tried to call XXXX several times. No one answers the phone and I also emailed them to ask about the charge. I never received a reply. Barclay 's Bank representative says that because the travel agency said that I authorized the charge that means that I did. But I did not authorize anything to XXXX XXXX. I have since found out that XXXX is a scam company. My complaint is with Barclays Bank and the XXXX XXXX XXXX. 

Since this complaint was filled I asked a friend to call the phone number that I used to change the ticket addressed in the complaint. I have attached the recording. XXXX XXXX confirms that they do not charge a change fee for award travel and that they never received any money for the ticket change. XXXX XXXX also confirms that there was no cost for the service because it was a date change and there is not charge for date changes on award travel. The money XXXX XXXX charged me went to their travel service and not 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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This Debt was on ALL 3 credit bureaus. I am a victim of ID Theft and this debt does not belong to me. I provided credit bureau and the correct documentation to prove this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In 2006 I purchased real property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. I have been making payments to XXXX ( XXXX ) and SPS ( Select Portfolio Servicing, Inc account number # XXXX ) and paying taxes via SPS escrow account with no late payments. I contacted XXXX XXXX tax accessors office and my name is not listed on tax bill, nor have I received any tax bills. Apparently when taxes are paid it does not reflect who is paying the bill, only that the bill is paid. The only reason, that I am aware of the situation, is because I wanted to place the property into a trust account. According to accessors office, the mortgage company should have filed the deed with the county accessors office, showing my name, so it would reflect on tax bills. I was informed by accessors office, that the ball was dropped somewhere, because there should be a deed on file reflecting my name, and I was informed to reach out to mortgage company. Therefore, I reached out to XXXX and SPS, whom I pay for my loans XXXX and XXXX with No Preval. I have been getting the run around from XXXX and SPS with getting to the bottom of this is. XXXX and SPS blames each other and no one is taking accountability. There appears to be poor communication, or a lack of responsiveness. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX was previously informed this debt was not mine but that it was identify theft. This was previously disputed and now it seems that it has been sold to another debt collector.

Company response to consumer: Closed with explanation