vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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 writing to dispute multiple inquiries and an account on my TransUnion credit report that I believe to be fraudulent. These inquiries and the account have had a detrimental impact on my credit profile, and I am requesting a thorough investigation and prompt removal of these inaccuracies from my credit report. 
The details of the disputed inquiries and account are as follows : XXXX XXXXXXXX by XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX by XXXX XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX XXXX. Account with XXXX XXXX ( Account Number : XXXX ) I have no recollection of authorizing or applying for credit with XXXX  XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX on the specified dates. These inquiries and the XXXX XXXX account do not correspond to any legitimate credit applications or accounts initiated by me, and I have not entered into any credit relationships with these institutions during the indicated time frames. 

Given the fraudulent nature of these inquiries and the questionable account, I am deeply concerned about potential identity theft or unauthorized activity on my credit report. I have taken immediate measures to safeguard my personal information and have initiated a credit freeze with the major credit bureaus to prevent further unauthorized access. 

I kindly request a comprehensive investigation into these inquiries and the XXXX XXXX  account to determine their validity. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries and the account on my TransUnion credit report.

Furthermore, I urge TransUnion to take the necessary steps to expeditiously remove these fraudulent inquiries and the XXXX XXXX account from my credit report, as they are adversely affecting my creditworthiness and financial standing. It is essential to uphold the principles of the Fair Credit Reporting Act ( FCRA ), which mandate accurate and fair reporting, and these discrepancies do not align with those standards.

I kindly request that you keep me informed of the results of your investigation and any actions taken to address this dispute. If additional information or documentation is required from my end, please do not hesitate to reach out to me at 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 2023-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I was allegedly charged for past due rent from the months of XXXXXXXX XXXX XXXX XXXX XXXX and i have vacated the premises well before these charges occurred due to the complex breaking the lease! I was also unaware that i was being charged for utilities as i was told they were not even provided by the apartment community what so ever and i have the bills and accounts for my outside utilities if requested. The rent would have totaled {$2500.00}, The rent was XXXX a month. the balance that shows on my credit is {$2700.00} the account was allegedly originally credited by XXXX XXXX XXXX but they were owned at the time by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i received a check from someone to repay a loan that i gave them. i deposited the check into my account only to have the bank tell me that the check was no good, i did not know that the check was no good but since that time they have since put my account in a credits only status and wont let me hae access to any funds in my account even though the check has since charged back and no other fees or withdrawal will be coming back from the check. they arent allowing me access to funds that are desperately needed to pay my rent, car, and mounting medical bills and putting me at risk of losing my house, car, and life as i can not pay the necessary medical bills i need to keep my continued treatment at home and have been told that my medical treatment is going to stop if not paid soon.the money i my account has nothing to do with the returned check and there is no reason to block me from accerssing funds in my accoint. this is affecting every aspect of my life at the moment and the disregard for my abilty to pay for anything is criminal please have this resolved immediately because this is unacceptable..

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 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: KY

Complaint narrative:
Theres a huge mistake in my credit report with the company P & B CAPITAL GROUP LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who obtained a supoused debt from XXXX XXXX ( Retail ), i disputed this with XXXX because as you can see in my credit report i pay all my bills in time, have never been late with anything, i take good care of my credit so i started digging and seems to be a furniture store that deliver some things to my old address. Im not sure what is going on but i can assure this debit is not mine.and it needs. the company needs to investigate this further and see who is responsible from that debt because is showing in my report with a lawyer and collection agency and like i said before i have never missed a payment and my credit history shows it. i just finished paying off a vehicle that i had years left to pay but i dont like to have debts so i paid it off. please investigate this matter and correct this as possible. 
because the credit agency that is reporting this only says the company says is a valid debt. It is not mine or valid from me please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-06 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: LA

Complaint narrative:
I am not responsible for this account. This account belongs to my deceased husband, XXXX XXXX. The vehicle was repossessed and sold. 


XXXX XXXX XXXX Account # 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 2023-12-06 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: AL

Complaint narrative:
I am writing to dispute four inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXXXXXX XXXX  on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXXXXXX 4. Inquiry by XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXXXXXX XXXX XXXX  I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX or XXXX XXXX XXXX on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had a deposited check returned. I made another deposit to cover funds so I do not acquire additional fees. When I made the deposit, I received an email message that XXXX would be available the next day and the following XXXX on the XXXX. This morning I checked my messages in my bank account that said all funds would not be available until to the XXXX. I called and was given a supervisor who told me there was nothing they could do. I was angry. Additionally, I was never sent a message letting me know the first check was returned which they resubmitted and has cleared the issuing bank. Wells Fargo has yet to credit my account regardless of the cleared check. I will continue to incur charges because of this. 

Wells Fargo has played games with my mortgage, opened a fraudulent checking account in my name, sent me a letter asking if I received a check they never sent, and now this. At this point, their treatment screams abuse and shows their lack of concern or care for their customers.

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 2023-12-06 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-06 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: OR

Complaint narrative:
I got an email saying the total amount of my loan was forgiven back in XX/XX/2023. My loan balance shows that I owe XXXX dollars on my account but the servicer refuses to answer my phone calls and when I disputed the loan balance on my credit report the servicer reported I still owed the money even though the loan was forgiven and my account shows XXXX dollars owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We reached an 80/20 LTV ratio and sent a letter requesting the cancelation of PMI. The letter included the information required as laid out on our lenders website : explicit request to cancel PMI, loan number, the date, and the signatures of all borrowers. Our loan is current, and our payment has never been even 1 day late. ( Of note, our loan was recently transferred to this lender, and they have compromised my personal information with their poor cybersecurity practices. ) Our current principal is {$270000.00} and our original value in XX/XX/XXXX was {$350000.00}. The lender is refusing to remove the PMI even though we have met the requirements unless we pay for an appraisal to prove the value has not decreased. Their website says an appraisal is required if you have not yet met the 80/20 requirement of the original value to verify the current value meets this LTV. However, we have met the LTV of our original value. Additionally, housing everywhere has increased in value since XX/XX/XXXX, and mortgage lenders are very aware of this. This is intentional to receive more than they are entitled to by the terms of our loan and to continue to reap excess profits by making it very expensive for us to remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: WI

Complaint narrative:
On XX/XX/2023, I opened an account with Ameris Bank and used an external bank to fund the {$100.00} initial deposit. Also on XX/XX/XXXX Ameris Bank closed my account due to not meeting their risk profile. On XX/XX/XXXX my external account was debited the {$100.00} to fund the already closed account. I called Ameris Bank regarding this on XX/XX/XXXX and I was told that I would receive that money back the next business day. On XX/XX/XXXX after still not receiving the money back I was told that they would not be able to do an ACH transfer and would instead mail a cashier 's check to the address on file. Ameris Bank had tried calling but whenever I would answer there would be no one on the other end. As of today, XX/XX/XXXX, I still have not received any cashier 's check from Ameris Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I remember I came to the dealership with my family, looking for a specific car, this was my first time doing this. I had {$1000.00} in my pocket from my work check and they hide the car in the lot because I seen it and they said they sold it. I was promise better cars and they manipulated me and waged my money, making me give it to him. Making it seem like the {$1000.00} was the only way, and opportunity for me to drive. I was was so disappointed. The car a month was {$710.00} I was crushed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I went into my credit consumer report on XXXX and I noticed a few charge-offs that I was not written or communicated about when the accounts were charged off so now it's affecting my credit negatively and now I have to resolve those issues even those issues were not presented to me.

Company response to consumer: Closed with explanation