vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-30 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to bring to your attention significant inaccuracies in my credit reports that require immediate attention and correction. I have diligently disputed these discrepancies multiple times, yet they continue to be reported as verified, which is in direct violation of the Fair Credit Reporting Act that mandates accurate reporting. As per the law, you have 15 days from the receipt of this letter to investigate and rectify the discrepancies as outlined below : Account name : XXXX Account Number : XXXX ( Experian )/ XXXX ( XXXX ) Account Type : Revolving Account Type - Detail : Credit Card Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX : {$690.00} No. of Months ( terms ) : XXXX High Credit : {$840.00} ( Experian )/ {$0.00} ( XXXX XXXX XXXX XXXX : {$500.00} Past Due : {$690.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX Last Active : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX of Last Payment XX/XX/XXXX It is evident that the information being reported on my credit report is both inaccurate and damaging to my creditworthiness. I urge you to thoroughly investigate this matter, contact the creditor in question, and ensure that the information is corrected to accurately reflect the status of this account. I have attached supporting documents that validate my claims and demonstrate the discrepancies between the reported information and the accurate details. 
Furthermore, I request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies once the investigation is complete I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to comply with the Fair Credit Reporting Act 's guidelines could result in legal action. I appreciate your prompt attention to this matter. 
Sincerely, 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 2023-08-30 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: PA

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 2023-08-30 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX, Account name : XXXX XXXX, Account name : 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge and did not consent for my information to be used by these companies. Please remove the following inquires, 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 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 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 2023-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Initially paid off loan to Citizen Bank on XX/XX/2023 for the amount of XXXX. The posted fees and accrued interest that I was not made aware of. The account went delinquent for 120 days. When I realized it, I immediately paid it off. When applying for a new mortgage the issue came up and now I can not obtain a secured mortgage thus make the interest rate out of control. My credit score also dropped from close to 800 to the mid 600s. I have never missed a payment on any loan I have secured including to Citizens Bank. This is potentially preventing a move to a new school district in order to obtain better services for a child that needs them. Citizens Bank has refused to work with me and told me that no info will be provided with 30 days from the dispute which was placed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts for student loans were charged off and then taken repayment from tax return accounts were charged off I had to report and tax intercept to repay they should not be on 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts for student loans were charged off and then taken repayment from tax return accounts were charged off I had to report and tax intercept to repay they should not be on account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: DISCOVER BANK
State: AZ

Complaint narrative:
I got a call from XXXX Police, a person impersonating as a XXXX XXXXXXXX extorted money from me. He told me my immigration was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I made Discover know about this situation and the unauthorized charges but they refused to refund me. 

I have also filed a police complaint with incident # XXXX and below are the transactions. 

Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXXXXXX XXXX # XXXX {$1000.00} PROCESSING Tue XX/XX/2023 Tuesday, XX/XX/2023 XXXX  XXXX {$450.00} PROCESSING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-30 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-30 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to bring to your attention significant inaccuracies in my credit reports that require immediate attention and correction. I have diligently disputed these discrepancies multiple times, yet they continue to be reported as verified, which is in direct violation of the Fair Credit Reporting Act that mandates accurate reporting. As per the law, you have 15 days from the receipt of this letter to investigate and rectify the discrepancies as outlined below : Account name : XXXX Account Number : XXXX ( XXXX )/ XXXX ( TransUnion ) Account Type : Revolving Account Type - Detail : Credit Card Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX : {$690.00} No. of Months ( terms ) : XXXX High Credit : {$840.00} ( XXXX )/ {$0.00} ( TransUnion XXXX XXXX XXXX : {$500.00} Past Due : {$690.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX of Last Payment XX/XX/XXXX It is evident that the information being reported on my credit report is both inaccurate and damaging to my creditworthiness. I urge you to thoroughly investigate this matter, contact the creditor in question, and ensure that the information is corrected to accurately reflect the status of this account. I have attached supporting documents that validate my claims and demonstrate the discrepancies between the reported information and the accurate details. 
Furthermore, I request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies once the investigation is complete I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to comply with the Fair Credit Reporting Act 's guidelines could result in legal action. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-08-30 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: GA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I've been charged with late fees, return fees, when I always paid punctually. I've been charged for homeowner 's insurance when I always paid my homeowner 's insurance separately and provided proof. I've made numerous attempts to resolve this charge and sent certified mail with proof of coverage. I've requested accounting ledger and found several misapplied mortgage payments which created late fees when I complained about it, they sent a {$20.00} check which I did not cash because it doesn't satisfy the fees added and their response was that it would mess up accounting and tax paperwork for every year. I also tried numerous times to seek assistance with my arm loan where my rate fluctuates every 6 months and explanation of why my interest rate would be higher than market rates when rates were low but high when it was high and although I've read my loan and verified, I have a no lower than 6.49 % rate I have sought assistance and getting fixed rate I have excellent credit and on fixed income but never defaulted on my loan nor my taxes but yet I was always instructed to refinance my loan and then get denied or do not qualify. I've been ignored I've been discriminated against due to my hearing loss from XXXX. They don't care to truly assist 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