vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks already approved to remove the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing. I called Equifax about a month ago and they said they will remove these but are still showing on my report. Both the bureau and the banks agreed to remove the accounts and none of them have complied with what they said. Please have these accounts removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NC

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}

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 non-monetary relief
Consumer complaint received 2024-04-01 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: NC

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
1 ) Incorrect Property Tax Payments : Since establishing my mortgage and escrow account with Fifth Third in XXXX, the bank has been erroneously paying property tax payments for a property that I do not own. This totals more than {$1500.00}. This discrepancy was confirmed by XXXX XXXX and I can provide evidence if requested by Fifth Third. Despite my attempts to address this issue, Fifth Third has failed to take appropriate action. 

2 ) Deeply unsatisfactory Customer Service : On XX/XX/XXXX, I called Fifth Third Escrow customer service ( XXXX ) to raise concerns about the incorrect property tax payments. I was met with dismissive and unhelpful responses. The representative asserted that the bank 's automated systems precluded the possibility of such errors. Subsequently, when I requested evidence to validate the property tax payments made by Fifth Third, I was informed that the escrow office that handles property tax does not entertain individual customer requests, which I found both baffling and unacceptable. 

On XX/XX/XXXX, I contacted Fifth Third customer services in the Fifth Third App to submit a formal complaints. I encountered further obstacles. A representative named XXXX assured me that my complaint was being addressed, only to abruptly terminate our conversation without resolution. Subsequently, I sought assistance from another representative, XXXX, who informed me that she could not locate any record of my previous complaint and insisted that complaints could only be submitted via phone calls. This contradictory information not only undermines the reliability of XXXX 's assurances but also casts doubt on the integrity of Fifth Third 's customer service practices. Attached are the screenshots of my interactions with all the representatives I talked to on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX credit agency has allowed someone to use my credit with a different email. Also XXXX is allowing a third party consumer agency to block me from getting credit. XXXX credit agency is taking too many points from me when I apply for credit. I disputed many items on my credit report. XXXX credit agency removed them then put them right back on. I joined XXXX XXXX to help build my credit XXXX is not giving me my points. I have been having this problem for years with this company. After I submitted the complaint with you guys they have been bothering my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX Account Number : 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 2024-04-01 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: CA

Complaint narrative:
I am disputing the inaccurate reporting of the accounts on my credit report. Upon connection with the respective companies, it was proven that an error occurred. Furthermore, assurances were provided over a phone call that the accounts would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already deleted the accounts from my report and so I request that you take immediate action to delete these erroneous accounts. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a letter that was forwarded to me from my old address in the mail from a company called " Radius Global Solutions LLC ''. The letter claims that RGSLLC is a debt collections agency who are looking to collect {$1700.00} that I allegedly owe to a former university I attended in XXXX. I requested further information in the form of a detailed itemized bill that would explain exactly where this " debt '' is outstanding in addition to a statement from the university on their letterhead with a handwritten signature further explaining how and why this " debt '' came about. On XX/XX/XXXX, I received a letter that RGSLLC sent me containing an unofficial photo copied student bill that had incorrect personal information and no detailed explanation of the outstanding " debt ''. Upon doing further research on " Radius Global Solutions LLC '', I was met with numerous articles and testimonies that stated the agency is fraudulent and illegitimate. According to the Better Business Bureau, " Radius Global Solutions LLC '' has over XXXX customer complaints in recent history. I then checked my credit score ( which has all of my correct and updated personal information/history ) and my credit report explicitly states that I have no accounts in collections as well as no student loan accounts in bad standing.

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 2024-04-01 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems continues to harrass me for {$2300.00}. This debt is invalid and inaccurate and should NOT be on my credit report. The joint owner as well as myself has reached out to this company MANY times to resolve this issue and the company has always been very dismissive and are not willing to listen at all. After round of disputes all they are able to provide for validation is a copy of the leasing agreement. In summer XXXX XXXX owner and I decided to perused this issue in court. Due to the fact that the account took place out side of the courts jurisdiction, the case was dismissed. After the court hearing, the attorney that was there to represent the collection agency approached the XXXX owner and myself and stated that he would agree to delete the account from both of our credit profiles due to the fact that the original jurisdiction was over XXXX hours away for both parties, and there was a lack of substantial validation. Because of this we took his word for it and believed the debt would be removed. We took his word for it and did not continue to peruse this in court. We were clearly tricked. Since then, the joint owners credit profile has been relived of this account but mine has not! After more rounds of disputing, and providing the document from the original creditor reflecting a balance of {$0.00} PROVING the debt was paid BEFORE it was a collection account back in XXXX, the collection agency keeps reporting the bet back as " verified ''. At this point I believe that this collection agency will do or tell you anything so they can get money money out of individuals regardless if the debt is valid or not. This matter should not be left up to this company. Thy clearly dont care that this is wrong. I would like this to be removed from my credit profile! They misled us and refused to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Hello, I'm California resident and a customer of Mobiloans since XX/XX/2023 when I took a loan due to XXXX hardship. The loan amount was {$1500.00}. What I didn't realize at the time was the extremely high charges that would come with that loan. 

After realizing it and reviewing the account statements, I saw that the immediately started billing me {$140.00} for " Fixed Finance Charges '' every XXXX weeks. For someone with financial issues and not even having {$1500.00}, I thought it would be almost impossible to get over something like this. I even thought it was strange for something like this to be legal since it reminded me of loan sharks. 

So, I went online and found an alert posted for Mobiloans ( XXXX XXXX XXXX Louisiana ) XXXX the in the California Department XXXX XXXX XXXX and XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX  ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX, ( XXXX ) XXXX XXXX XXXX XXXX Per the above alert link " XXXX XXXX of Louisiana is not licensed to conduct business in the state of California XXXX It also directed complaints to the Federal Trade Commission ( https : XXXX # / ) and the XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX : XXXX XXXX ). 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX As well as over 40 hard inquiries. I have been disputing for fraud for several months and the services keep adding the listing back to my report. The inquiries are hurting my credit. I have called the inquired places several times and they say they can not assist me because I dont have an account for them to look up my info. I am getting very frustrated because I did not approve any of the above dating back to XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-04-01 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
multiple occasions my debit card and pin was used at 3 separate atms, each transaction the person who used it pulled out XXXX twice. I didn't notice until 3 days after the last transaction. On XX/XX/year> XXXX XXXX wellsfargo ATM ID - XXXX Transaction IDs : XXXX XXXX XXXX XXXX wellsfargo ATM ID : XXXXTransaction ID : XXXX XXXX XXXX XXXX wellsfargo ATM ID : XXXX ID : XXXX XXXXFor a total in XXXXI had no idea my debit card was stolen along with my ID, unfortunately I had my pin set to my birthday and was easy to figure out. I didn't notice since I had no notifications on my phone about ATM withdrawals. You can clearly see through my past transactions that these withdrawals are not my normal habbits.

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 2024-04-01 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-04-01 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-04-01 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: FL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
I am disputing the inaccurate reporting of the accounts on my credit report. Upon connection with the respective companies, it was proven that an error occurred. Furthermore, assurances were provided over a phone call that the accounts would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already deleted the accounts from my report and so I request that you take immediate action to delete these erroneous accounts. 

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inaccurate reporting of the accounts on my credit report. Upon connection with the respective companies, it was proven that an error occurred. Furthermore, assurances were provided over a phone call that the accounts would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already deleted the accounts from my report and so I request that you take immediate action to delete these erroneous accounts. 

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 non-monetary relief