vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: CA

Complaint narrative:
XXXX  I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-05 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: TX

Complaint narrative:
I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on 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 2024-09-05 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: PA

Complaint narrative:
I was shocked this afternoon to find inaccurate accounts on my credit report, and I have no idea how they got there. Ive always monitored my credit report closely, but this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but nothing changed. The inaccuracies remained. Now, Im requesting that the documents Ive submitted are thoroughly reviewed, so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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:
This afternoon, I was completely stunned to see incorrect accounts appear on my credit report. I check it regularly, and everything has always been fine until now. I even refreshed my browser, hoping it was some kind of error, but the inaccurate accounts didnt go away. Because of this, Im asking for the documents I provided to be properly reviewed so that I can stop stressing over this once and for all.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company XXXX XXXX XXXX ruined my credit. I made an immediate payment on a XXXX charge from my bank payment information entered by them XXXX months before. The payment was returned because the account number was wrong. I got no letter of returned payment in the mail. No letter of a late payment in the mail after due date. No letter of auto payment ceased because letter was only available online which I had no access to. I did a complaint with better business bureau but it was not resolved. By the time I found out about a late payment it was past XXXX  days and reported to credit bureau. XXXX XXXX XXXX was aware and told me I could not access my account on line as I had no computer only a Mobil app. They mailed a form to be completed by my bank. They said the account number was wrong. I am a senior and this bank has repeatedly not sent proper notification or mailed documents to me. They ruined my perfect credit because they didnt properly notify me of any late payment.

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 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Acima digital fka simp Lease date open:XXXX Charged off Balanced XXXX Still reporting balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I monitor my credit scores and report through credit karma daily. Since XX/XX/XXXX, I have applied for XXXX or XXXX home equity loans based on a XXXX XXXXXXXX XXXX XXXX XXXX  score of XXXX. 
My home bank declined me stating my trans credit score was in the XXXX. On credit karma, my XXXX XXXX score is over XXXX. XXXX XXXX XXXX XXXX would not give me my XXXX XXXX score. I called XXXX XXXX customer service and they told me they could not help me unless I paid for it. 

My issue is that credit reporting agencies that I have access to are not corresponding with what mortgage companies or banks have access to. This is problematic on many levels, including the fact that when I apply for loans, I am applying with the preconceived notion that my score is fair to good. A hard inquiry is run, which in turn affects my credit score. so not only am I ineligible for a loan Due to inconsistencies with the credit reporting agencies, but my credit further suffers. 

How is it that I can not see my true credit report, but banks and mortgage companies can? I requested the report from my home bank, and they refused to give it to me.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
I monitor my credit scores and report through credit karma daily. Since XX/XX/XXXX, I have applied for XXXX or XXXX home equity loans based on a XXXX XXXX XXXX XXXX XXXX  score of XXXX. 
My home bank declined me stating my XXXX credit score was in the XXXX. On credit karma, my XXXX XXXX score is over XXXX. XXXX XXXX XXXX XXXX would not give me my XXXX XXXX score. I called XXXX XXXX customer service and they told me they could not help me unless I paid for it. 

My issue is that credit reporting agencies that I have access to are not corresponding with what mortgage companies or banks have access to. This is problematic on many levels, including the fact that when I apply for loans, I am applying with the preconceived notion that my score is fair to good. A hard inquiry is run, which in turn affects my credit score. so not only am I ineligible for a loan Due to inconsistencies with the credit reporting agencies, but my credit further suffers. 

How is it that I can not see my true credit report, but banks and mortgage companies can? I requested the report from my home bank, and they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: CA

Complaint narrative:
On XX/XX/XXXX Equifax placed a XXXX XXXX unauthorized, inaccurate, hard inquiry on my Equifax credit report. This inaccurate, unauthorized hard inquiry has already been marked as fraudulent by XXXX XXXX. On XX/XX/XXXX I spoke to ( XXXX # XXXX ) & ( XXXX XXXX Account representative. ) XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On several occasions, credit inquiries were made to my social with multiple credit card companies. Though none of the inquires resulted in a credit card issuance. I still would like to be made whole and have the inquires removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
The following unauthorized inquiries on report need to be removed immediately from credit file Equifax is reporting I have attached identity theft report along with License with my current address XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-09-05 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 was absolutely stunned today when I noticed accounts that dont belong to me showing up on my credit report. I check it often, and today I was blindsided by these errors. I thought maybe my browser was acting up, so I refreshed it, but unfortunately, the mistakes remained. Im deeply frustrated and asking for a careful review of the documents Ive provided to make sure this never happens again.

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My business account 's name is XXXX XXXX XXXX was closed on XX/XX/year>. I had lots of money in that account. 
Chase bank employee decided to slander my name through the branch. After I agreed to close my account on XX/XX/year>. The bank new days before an employed had slandered my name in truth lied on me!!! 
By this time I was done with Chase bank. I told them my account was to be completely closed on XX/XX/year>. They let my account stay open and it was " restricted '' according to them from the XX/XX/year>. They let an ACH of XXXX into my closed account. The branch XXXX should have locked and closed my account on XX/XX/year>. Now {$24000.00} minus {$4300.00} is being held by Chase Bank and they will not return my money. They keep saying they have a check they have a check for {$19000.00} they need to verify from the issuer the check is good. That check they are speaking of is good and not only that its drawn on their own bank account who happens to be a Chase bank I need my money ASAP!XXXX 
Chase bank is holding my money illegally. Chase by law should have immeadily returned all XXXX transactions back to XXXX XXXX XXXX by bank law and fraud protection laws. Chase bank has discriminated against my small business minority XXXX male corporation in many ways. I was not allowed to apply for a minority grant with chase bank for no apparent reason! I have record and proof of this activity by Chase bank. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
Upon reviewing my Consumer Reports, I found some instances of late payments on an account for which is not accurately reported on all of my Consumer Reports. As you well know, Payment History is a very important component to achieving a Great score. On my XXXX credit my Payment History is 100 %. That's not the case with Equifax and XXXX accounts. I have reached out to the account ( XXXX ) and they complied and updated my account that I am in good standing and caught up on my payments. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments and the inaccuracies of each credit bureau for not being updated on the removal of the late payments. If so, I demand a removal of the late payments on my credit so I can use my credit score to obtain a home I keep being declined for. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC
State: NV

Complaint narrative:
No. XXXX. The matter is reported to the authorities. United States Department o Education, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: CITIBANK, N.A.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There has been unauthorized and inaccurate INQUIRIES reporting on my credit file that I never requested and never applied for these 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 2024-09-05 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: TN

Complaint narrative:
TRANSUNION HAS ALLOWED XXXX XXXX AND XXXX XXXX TO REPORT INACCURICIES ON MY TRANSUNION CREDIT REPORT, THE XXXX XXXX ACCOUNT XXXX WAS CLOSED ON XX/XX/2023. HOWEVER IT'S SHOWING DELIQUENT ACTIVITY AND A BALANCE AFTER THE CLOSED DATE. TRANSUNION PROCEDURES HAVE ALLOWED THIS SINCE XX/XX/2023 AND HAS BEEN HIGHLY DAMAGING TO ME. ALSO TRANSUNION HAS ALLOWED XXXX XXXXXXXX TO REPORT INACCURICIES ON MY CREDIT REPORT. XXXX XXXX ACCOUNT XXXX WAS CLOSED ON XX/XX/2023, IT'S SHOWING DELIQUENT ACTIVITY AND A BALANCE AFTER THE CLOSED DATE. TRANSUNION HAS ALLOWED THIS SINCE XX/XX/2023 AND HAS BEEN HIGHLY DAMAGING AS WELL, THIS ERROR IS ILLEGAL AND UNETHICAL.TRANSUNION FAILED TO PERFORM AN INVESTIGATION. REMOVE BOTH ACCOUNTS IMMEDIATELY.

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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-09-05 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: PA

Complaint narrative:
I was shocked this afternoon to find inaccurate accounts suddenly appearing on my credit report, and I have no idea how this happened. I check my report regularly, but this time, discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but it wasnt. The errors remained after refreshing, and now Im deeply concerned. Im requesting a thorough review of the documents Ive sent, so I can stop stressing about this issue ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
To my disbelief, this afternoon I found several inaccurate accounts on my credit report, and I have no clue where they came from. I check my credit regularly, but this time there were random discrepancies. I even refreshed the page hoping it was just a browser issue, but nothing changed. The errors stayed, and now Im left feeling really uneasy. I need a complete review of the documents I submitted, so I can finally put this nightmare behind me.

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 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Here is my Loss Mitigation packet, I just received this packet XXXX days before the deadline of XX/XX/XXXX to submit this packet, and I called customer service several times to speakto an XXXX, so that I can get help in filling up the Loss Mitigation packet, but to no avail. 
Anyways, I filled it up as per my knowledge. 
I am sending you last XXXX months of Bank Statements where I have received my rents. 
Eviction documents of XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, also my covid test results from XX/XX/XXXX, my XXXX, and XXXX XXXXXXXX report. 
I hope we will be able to reach some kind of resolution.

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