vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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:
It was disheartening to discover unauthorized inquiries on my credit report tonight, and Im at a loss as to why theyre there. My routine credit check revealed these discrepancies out of the blue. Refreshing my browser didnt resolve the issue, as the unauthorized inquiries persisted. Im really concerned and request that the documents Ive provided be carefully examined so I can finally stop worrying about this.

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 2024-08-13 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: GA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-13 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: GA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-08-13 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: MI

Complaint narrative:
Tonight, I noticed unauthorized inquiries on my credit report, and I have no clue how they got there. I was just doing my routine credit check, and these discrepancies seemed to come out of nowhere. I refreshed my browser multiple times, thinking it might be an error, but the inquiries stayed. Im asking for a thorough review of the documents I've sent so I can finally put this worry 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 2024-08-13 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
I was dismayed to find unauthorized inquiries on my credit report this evening without any explanation. I regularly check my credit report, but this time, unexpected discrepancies appeared out of nowhere. Despite refreshing my browser multiple times, the unauthorized inquiries remained. I urge a thorough review of the documents I've provided so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-13 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
To my shock, I noticed unauthorized inquiries on my credit report tonight, and I have no idea why they appeared. I routinely check my report, but this time, unexpected discrepancies emerged. I tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. Please ensure that the documents I've sent are thoroughly reviewed so that I don't have to worry about this issue anymore.

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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Case Number : XXXX Credit Card Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their handling of a alleged debt collection matter involving myself and American Express National Bank. I have clear evidence in the form of email correspondence, which I will attach for your review. 

On XX/XX/year>, I engaged in an email exchange with XXXX XXXX, the lead associate attorney at XXXX XXXX XXXX, regarding a request I made for a detailed financial statement under penalty of perjury related to the alleged debt in question. In my email, I explicitly requested this information to verify the accuracy of the claims against me and ensure transparency in the debt collection process. 

XXXX XXXX assured me in her response that she would provide the requested financial statement under penalty of perjury. However, to date, I have not received the requested documentation despite multiple follow-up attempts on my part. This failure to provide the promised information raises concerns about the transparency and accuracy of the debt collection process being pursued by XXXXXXXX XXXX XXXX  on behalf of American Express National Bank. 

I believe that the actions of XXXX XXXX XXXX may constitute a violation of consumer rights and fair debt collection practices. The failure to provide essential documentation as requested has impeded my ability to assess the validity of the claims against me and protect my rights in this matter. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with consumer protection laws and regulations. I have attached copies of the relevant email correspondence for your reference. 

Thank you for your attention to this matter. I look forward to your prompt review and response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MI

Complaint narrative:
I discovered some unauthorized inquiries on my credit report this evening, and I have no idea why they're there. When I checked my report like I normally do, I noticed these discrepancies that just appeared out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. This issue has me really worried, and Im requesting that the documents I've provided be thoroughly reviewed so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: IA

Complaint narrative:
I opened a secured card with discover. I sent them XXXX dollars. They're saying I owe them that XXXX dollars that I sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IA

Complaint narrative:
I opened a secured card with discover. I sent them XXXX dollars. They're saying I owe them that XXXX dollars that I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
I am deeply troubled and upset to see that unauthorized inquiries have shown up on my credit report this evening. I checked it as I usually do, and out of nowhere, there are discrepancies. Refreshing my browser didnt fix anything, and the unauthorized inquiries remain. I need an immediate review of the documents I sent to ensure this issue is resolved and doesnt happen 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 2024-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In mid - XXXX of XXXX  the bank asked me to submit my contract of sale for my short sale as per their short sale process. Which I did as well in mid-XXXX  of XXXX. My last conversation with the bank was on XX/XX/year>. I was asked to call in along with an associate of a XXXX XXXX  I retained. ( I retained this company to help me get my short sale process underway, since the bank was not moving my process along ). The bank stated that this call was to verify my income so that I could move forward with my short sale process. Upon discussions with the mortgage company it was deemed by myself and my representative of the XXXX XXXX XXXX that they ( the bank ) mislead me and did not verify my income but rather stated that this conversation was not for the short sale process but rather to state that my account was delinquent and that I had no choice but to reinstate my loan and asked to pay an amount of over $ XXXX on that day to bring it up to date. I declined and stated that I was not looking to reinstate the loan but rather short sale my home as discussed with them on numerous occasions. I stated that the application had been submitted to the mortgage company as per their process in XXXX of XXXX  and to date my application had not been processed or reviewed. As of today, XX/XX/year>, I am still waiting for my short sale application to be reviewed with no communication from the bank stating as to why it has been held up. I have not received any communication of any kind, no emails, calls or letters sent to my home. As per my conversations with the debt solutions company rep I retained, the bank has continued to stonewall his request for update and review of my application throughout these several months. At this time, I am requesting that my short sale application be submitted to the short sale review department for processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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:
To my surprise, this morning, I discovered inaccurate accounts on my credit report, and I can't understand why. I check my credit report regularly, and I've never seen such discrepancies before. I tried refreshing the page, thinking it might be a technical error, but the inaccurate accounts were still there. Im asking for a thorough review of the documents I've sent to ensure this issue is resolved and I can stop stressing about it.

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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) with AMEX spoke to me regarding a request to provide financial documents because I was under financial review. 

I had just opened up a XXXX XXXX card with AMEX not long ago because of their sign up bonus offer to provide XXXX points if $ XXXX was spent within XXXX  months. I had a similar offer that was provided to me a few months prior for a regular XXXX card, XXXX points if I spent $ XXXX in XXXX  months. I did however do this on the regular platinum card, received the bonus points and always paid my account in full. 

XXXX XXXX asked for paystubs, my bank statements and the bank statements for the bank account that was used to pay the AMEX bills. All of those items were provided. On Friday XXXX I spoke to another representative asking if they had everything they needed, she said, everything looks good on their end, they are waiting on XXXX to finalize her review since she wasn't there on Friday to provide an update. 

On Monday XX/XX/year> I receive a call from XXXX. She immediately says that AMEX has decided to close my account after their review. I questioned her and asked how come. Her response was quite simple, because the account you make payments from isn't your account, its under someone else 's name. I told her yes, my husband pays all bills through his bank account and that is how we run finances in our household. He and I are legally married. She said, that is the reason why and its against their agreement. I said ok, can you show me where in the agreement it says that payments need to come from my bank account otherwise any accounts with AMEX will be cancelled. She couldn't answer me and said its in the documents. Then she goes on saying she has been working for AMEX for 15 years. Then I asked again, in 15 years of working, where does this information come from, or are you making things up now. Because if you don't have proof of it, then it must be made up. 

I requested a XXXX, she took her time to try reaching a XXXX and she couldn't do so. I requested to speak to someone else, she said someone could reach me back in XXXX hours. It became personal and she didn't leave me any room to have a proper discussion to understand what I did wrong for her decision. After getting off the phone, I received an email that ALL my accounts with AMEX have been cancelled. Also, giving up the bonus points of XXXX which I was almost was going to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I over paid my account back I believe it was XX/XX/XXXX of 2024. I did this as Synchrony bank Home. said payment had been cancelled so I kept reprocessing it. I did not realize that all the payments had gone Through. I immediately called I. Asked them to refund me the overpayment of {$6300.00}. They told me it would be a paper check as it could not be refunded to the bank I had paid from. I have called over XXXX times. The account was shared with my sister XXXX XXXX. XXXX has called and has received the same song and dance the checks been mailed it will take XXXX to XXXX business days its now approaching XXXX  months. I have a case number XXXX. I want my money refunded like overnight the check for gods sake. I believe you charge like XXXX percent on accounts so I think I should get the same interest refunded on top of my money. Please tell me how I can get what's mine. 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 2024-08-13 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: TX

Complaint narrative:
I'm incredibly disheartened to find unauthorized inquiries appearing on my credit report tonight. Ive reviewed it as I normally do, and suddenly, there are discrepancies that I can't explain. I tried refreshing my browser thinking it might be a glitch, but that did nothing to resolve the issue. I urgently need the documents I sent to be reviewed thoroughly to ensure that I don't have to face this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: MI

Complaint narrative:
I found incorrect bankruptcy listings on my credit report this evening, and I have no idea why theyre there. When I checked my credit report as usual, I was surprised to see these errors. I even tried refreshing my browser, thinking it might be a glitch, but the inaccuracies persisted. Im really disappointed and frustrated, and I urgently request that the documents Ive submitted be reviewed thoroughly to ensure this issue is permanently resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Tonight, I was disheartened to discover inaccurate bankruptcy entries on my credit report, and I have no explanation for their presence. I checked my report like I usually do, only to find these unexpected discrepancies. Refreshing my browser didnt help, and the incorrect information remains. Im extremely upset by this and urge that the documents Ive provided be carefully examined to prevent this from happening 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 explanation