vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Inquiries : 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  ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have had numerous ( at least 5 ) instances where I have tried to wire money and the transactions are flagged and cancelled. When I've called, there is no substantive reason why. Due to that issue, I write paper checks if it's a larger sum. I wrote a check for {$14000.00} to a contractor that was owed a final payment. The check was cancelled. I was advised that Chase had called me, and then messaged me inquiring. When I asked for proof, it was then advised by their " Escalation Department ( XXXX ) that they in fact didn't call or message. I am convinced that Chase simply does not like funds of any significant amount being pulled from their Bank and make it difficult to do so. I have spent many hrs. on hold, waiting for info, etc. Every time, there has been no reason for the cancellation of my transaction. I believe they have some sort of " informal '' deny on first attempt procedure in place. I will be changing banks even though I have been with Chase for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
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 non-monetary relief
Consumer complaint received 2024-08-01 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
YOUR COMPLAINT Package was returned to XXXX. XXXX shipped my package to the wrong return address. I contacted XXXX telling them the situation and got them to sign the lost form that XXXX provided me. ( How much the product was worth ). XXXX deemed that it was there fault that they lost the package and said they would refund me after I return back the form they supplied me. I submitted the form and now they won't refund me. I've been battling this dispute for almost a year now. I reached out to Apple Card Goldman Sachs to file a dispute, I provided all the evidence and chat logs that I had with both UPS and XXXX. Since mid XXXX now Apple Goldman Sachs keeps denying my claims, forcing me to reopen the dispute every time. I've been disputing {$620.00} and have just reopened it again today ( XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XXXX, received a letter from ProCollect stating that I should pay the XXXX XXXX apartment move out fee collection so my credit score is " not negatively impacted '' and it listed all the consequences of not paying the collection. After receiving that letter from ProCollect I was scared that this collection would hurt my credit, so I paid it as soon as I could shortly after receiving the ProCollect payment due letter in XXXX. 

I had an agreement with ProCollect to not have this collect on my credit report if I paid it in full, and I just found out in XX/XX/XXXX that they have been reporting it to XXXX XXXX even though I paid them and settled this in XX/XX/XXXX. This collection from XXXX was added to my credit report 5 years later by XXXX in XX/XX/XXXX. The delinquency date for the move out fee states XX/XX/XXXX, but I moved in the apartment in XX/XX/XXXX, the balance is wrong, and the collection should not even be on my credit report per my agreement with ProCollect. ProCollect has incorrectly added this collection to my credit report when I had an agreement with the collections that it wont be in collections if paid in full. I was threatened into paying this debt in return for it not damaging my credit and it damaged my credit anyways, I do not feel protected as consumer because of ProCollects error of adding this collection on my credit report when they said it wouldn't be on there if I paid them, which I did.

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Used my Bluebird Debit card by Amex as a deposit for incidentals involving an overnight stay at XXXX XXXX XXXX on XX/XX/year> Checked out without incident on XX/XX/year>. From the Day of checkout to the current date this is being written ( XX/XX/year> ) they are still holding my funds on my card, without explanation. I have uploaded documentation about the transaction at least XXXX times, and still no release or answer. Blue bird is doing this on purpose to ride the interest on this transaction. What they are doing is systematic and on purpose on a grand scale as there are post from many other users on XXXX, XXXX and XXXX, that have similar stories of these artificial holds. This can not be some sort of XXXX coincidence, this is a pattern of illegality that needs to be investigated. Research this topic online and on XXXX XXXX and you will see exactly what I am telling you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Hello, My mortgage was sold and transferred to Shellpoint/Newrez mortgage back in XX/XX/year>. Ever since this transition occurred I have not been able to access my mortgage online. I have called numerous times and talked to several representatives and I have been told several times that they had an issue downloading some accounts to their system. My issue is that this has gone on for two months now and it still hasn't been resolved. I'm totally in the dark with what's going on with my mortgage since they are unable to figure out their system issue. I'm unable to make payments online or see other important mortgage information. 

Please help me with this issue. As a consumer I have no idea what to do next, I feel like I'm out of options and none of this is my fault. It is Shellpoint/Newrez 's system issue that they need to resolve. 

Thank you

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 2024-08-01 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:
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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-08-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked at my report yesterday and noticed some things are incomplete and not accurate. and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. 

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  ALL OF THE ACCOUNT LISTED ABOVE ARE REPORT INACCURATE INFORMATION SUCH AS REPORTING DATE, CLOSING BALANCE, CURRENT BALANCE, CLOSE DATE, ACCOUNT CLOED BUT STILL REPORTING ETC. 

PLEASE TAKE LOOK AT THE MATTER AS THIS IS HURTING MY CREDIT.

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 2024-08-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-08-01 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: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: AL

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file, hindering my ability to manage my financial affairs, and impacting my daily life. The negative consequences of these inaccuracies have caused immense hardships, leaving me no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that a comprehensive investigation be conducted into the reporting of each disputed account. It is imperative that the necessary steps are taken promptly to update and correct my credit report. Your immediate attention to this matter will help restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action. Your cooperation and support in resolving this matter promptly will be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year> I was charged {$130.00} for parking my car rental in a paid parking spot with my XXXX XXXX as I am a XXXX XXXX XXXX XXXX. According to federal XXXX regulations, I am exempt from paid XXXX XXXX XXXX XXXX XXXX I explained the situation to XXXX when I returned the vehicle and they said it was no problem Months later I get this charge saying XXXX paid for the parking ticket and because it was already paid, I could not get a refund from the parking authorities. XXXX took that money from my AMEX card. I disputed it with Amex and explained the situation and they told me that they would remove the charge. However, recently I received an e-mail stating that the charge will be re-applied to my account. Despite nothing having changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: VA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2024-08-01 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:
The Following Accounts are a result of Identity theft and are not mine, I am requesting and demanding a FRAUD BLOCK REQUEST. I demand that the following accounts are BLOCKED IMMEDIATELY under section 605B Of the FCRA ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; INCLUDED ( 2 ) a copy of an identity theft report ; INCLUDED ( 3 ) the identification of such information by the consumer ; and INCLUDED ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( This Notice ) INCLUDED I demand all the above Fraudulent accounts BLOCKED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you. 
Sincerely, 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 2024-08-01 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:
The Following Accounts are a result of Identity theft and are not mine, I am requesting and demanding a FRAUD BLOCK REQUEST. I demand that the following accounts are BLOCKED IMMEDIATELY under section 605B Of the FCRA ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; INCLUDED ( 2 ) a copy of an identity theft report ; INCLUDED ( 3 ) the identification of such information by the consumer ; and INCLUDED ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( This Notice ) INCLUDED I demand all the above Fraudulent accounts BLOCKED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: IL

Complaint narrative:
I have an extensive fraud alert on my credit report and under 15 U.S. code 1681 e section a. In regards to identity the company transunion is furnishing information that is not mines nor do I recognize said accounts or said names reporting on my report Ive contacted transunion in regards to these matters and to no avail have I been rectified in regards to these matters And Im asking a thorough investigation be conducted in relation to these matters

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 2024-08-01 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: NY

Complaint narrative:
Several hard inquires on report. Requested information via dispute and attempted to call no results

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 2024-08-01 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit 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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EGL US, LLC
State: MS

Complaint narrative:
I have report the original company BMG Money LLC as Identify Theft back here when I first notice the item on my report and it was removed, then this company brought a fraud debt from a these company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a civil sue against me for a fraudulent account. This is illegal and they are trying to get rich off poor people doing illegal things. I received this summons yesterday XX/XX/XXXX. Please look at my FTC reports filed back in XXXX of XXXX will be attached along with BMG Money LLC FTC report. I will attach the CFB report also. And the debt amount is total different from the amount of the original debt collector. 

Complaint Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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