vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Dear CFPB, Citizen 's Bank is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contacted their customer service on a recorded line on 9/1/2023 ; they seem not to know the Credit Protection allocated to individuals whom the COVID-19 pandemic has impacted. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 


CITIZENS BANK XXXX XXXX XXXX XXXX CT XXXX Phone # : XXXX Account # : XXXX Date of communication : XX/XX/XXXX {$4700.00} Status before the Covid-19 Pandemic : NEVER /LATE Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXXXXXX 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, PA XXXX XXXX innovis.com SEC, XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I pay my Insurance and taxes separately, they placed an escrow account, raised my payment, and refuse to remove even thought I have nnumberioulsy submitted proof of payment. They are reporting me delinquent, killing my credit score and creditor 's have closed my large account and cut my Credit limits destroying my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: GA

Complaint narrative:
Someone opened a credit card under my name at XXXX on XX/XX/XXXX. Also, several other hard inquiries were made, which I do not recognize. I contacted the company and they agreed to close the account. So that account/card is not on my XXXX report. But these hard inquiries are showing on my reports. XXXX has removed them. Equifax and XXXX have not removed them. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Law Office of Brett M. Borland, P.C.
State: NY

Complaint narrative:
I have spoken with the supervisor miss XXXX and she said she was taking care of my account and they have not called and told me what my minimum ammount due to pay this account the only thing this guy keeps talking about is there going send papers out and sue me for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION DEAR SANTANDER, I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO A LATE PAYMENT REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX. I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.

GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING : 1.REMOVAL OF THE INACCURATE LATE PAYMENTS : I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENTS ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.

2. ARBITRATION AGREEMENT : WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.

I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.

I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.

I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE. 

SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-09-22 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Over XXXX XXXX XXXX XXXX in disputed charges not credited back to My account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-22 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On or about XX/XX/2023 I called Chrysler Capital and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and XXXX. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to Chrysler Capital. In this notice it contains this same request and I'm requesting for Chrysler Capital to stop sharing my nonpublic information with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of last year, I received a sales commission from XXXX XXXX. This commission was earned by successfully promoting the XXXX XXXX brand rights to a local butcher shop, resulting in a transaction worth {$60000.00}. My commission was 10 % of this amount. I have already paid the relevant personal taxes on this income after receiving the 1099, and I have obtained documentation from XXXX XXXX as proof of this payment. 

In XXXX of last year, I received a letter from Chase stating their intention to close all of my accounts, without providing any reasons. This year, I opened a Chase XXXX XXXX XXXX credit card for my personal business endeavors. However, it was also closed three months later. I sincerely request your consideration of my reinstatement application. I appreciate your time and understanding and am thankful for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: FL

Complaint narrative:
I have been disputing this item know as XXXX  XXXX with a balance of {$210.00} over a year now and it's still coming back as accurate I know this is not true remove this from my credit report it's affecting my score I can't take out a mortgage to buy a new home because of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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:
My information has been taken and used several times to get different accounts. I have reported this. I have an police report and a federal trade commissioner report as well. The credit bureau yet still reports inaccurate information on my file with no urgency to remove. This has effected me very bad because I cant even use my own credit effectively I pay all my bills on time and struggled to maintain a good credit to my credit being destroyed by someone else. The bureaus be no help to people effect by identity theft.

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 2023-09-22 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:
My information has been taken and used several times to get different accounts. I have reported this. I have an police report and a federal trade commissioner report as well. The credit bureau yet still reports inaccurate information on my file with no urgency to remove. This has effected me very bad because I cant even use my own credit effectively I pay all my bills on time and struggled to maintain a good credit to my credit being destroyed by someone else. The bureaus be no help to people effect by identity theft.

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 2023-09-22 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Hi My renewal credit card from Citibank ending with XXXX was not received in mail box. It was compromised somehow by a thief who got the card. The thief used my card and spent around USD XXXX without my approval of course. I blocked the card and disputed the charges. The bank is not cooperating as expected. I am seeking you kind help. 
Thanks 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 monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a loan that is being reported on my credit report as CHARGED OFF but the lender has been garnishing my wages. Every two weeks they are deducting a payment of {$380.00} from my paycheck but they are reporting the account as a charged off account. I spoke to a lawyer and I was told that after the account is charged off it should be reported at {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a loan that is being reported on my credit report as CHARGED OFF but the lender has been garnishing my wages. Every two weeks they are deducting a payment of {$380.00} from my paycheck but they are reporting the account as a charged off account. I spoke to a lawyer and I was told that after the account is charged off it should be reported at {$0.00}.

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 2023-09-22 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: LA

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-22 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andy Bowers & Associates LLC
State: GA

Complaint narrative:
I was advised of an Ohio tax Debt for XXXX. I left XXXX  years prior. I have been contacted by a bank stating this collection agency has reached out seeking information. I dont have a bank account. This debt doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation