vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have carefully reviewed my credit report in XXXX, XXXX and TransUnion credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. : 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 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 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I was told their company is called XXXX and it stands for Enhanced Resource Center. They say they are looking for XXXX XXXX. XXXX their various phone numbers shows the calls are all coming from a debt collection agency. Every single week for months now, I get calls from their male or female employees asking for XXXX. I keep telling them I do not know this woman, I am not this woman and I have registered the phone number they are calling me on with the Do Not Call registry. I've repeatedly instructed them to stop contacting me. I told them I would begin reporting them to the FCC. Apparently, they aren't worried. Their calls are disruptive. They call me while I'm bathing my elder parent ; they call while I'm in the cemetery ; They call while I'm preparing meals throughout the day. Irregardless what phone number they call me from, all calls from them should have stopped after I informed them I am not XXXX and I want them to stop contacting me. I would like to see them fined for every single call they have placed since I registered my phone number with the DNC registry. I should not be pestered for someone else 's debt. Legislation needs to be enacted so consumers can penalize these rogue companies that flaunt consumer protection laws. Please make them stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/2023 I rented a car in XXXX, XXXX and return the car same location and finalized my rental payment and obtain receipt from XXXX Rent A Car for a payment of XXXX in Euro. Later on, I receive my American Express for an additional separate charge of {$65.00}. 

I called Merchant ( XXXX ) and I asked for explanation for the {$65.00} charge. The Merchant, XXXX, told me that was for a traffic citation. I asked for a copy of the citation from police, they did not have one. I asked XXXX how they charged me if they do not have citation, no expiations was provided. I told them since they do not have the citation and or proof, I will dispute the charges. 

I did file dispute with American Express, after about a month, merchant sent American Express my rental agreement with explanation of why they charge my account, WITHOUT providing any citations from police. As a result of this response, American Express took XXXX XXXX side and closed my dispute in favor of XXXX. I spoke to American Express to reopen the dispute but, they did not re-open the dispute, ( called on XX/XX/2023 at around XXXXXXXX XXXX, spoke to a person introduced himself as XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
American financial went out of business. They sent my information to a debt collector call Westlake portfolio management, which is a breach of my contract with American finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO acquired Bank of the West and notified us in advance that everything would carry over and no issues would arise from this transfer and all our information ( including login information for online banking ) would be usable on the BMO website. However it appears that not only did the information not carry over but the Bank of the West debit cards are no longer working so i can even check my account or use my money at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RICHLAND HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this letter to file a formal complaint regarding an ongoing dispute with ACCTCORP OF SOUTHERN NV, an account that I had disputed with XXXX. I am deeply concerned about the inaccurate information presented in the original documents provided by ACCTCORP OF SOUTHERN NV during the verification process. 

On XX/XX/2022, I initiated a dispute with XXXX regarding an account held by ACCTCORP OF SOUTHERN NV. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that ACCTCORP OF SOUTHERN NV verify the information they were reporting. Subsequently, ACCTCORP OF SOUTHERN NV responded by sending over what they claimed to be the original documents related to the account in question.

Upon reviewing the documents provided by ACCTCORP OF SOUTHERN NV, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by ACCTCORP OF SOUTHERN NV.

Attached to this letter, you will find copies of the documents sent by ACCTCORP OF SOUTHERN NV as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by ACCTCORP OF SOUTHERN NV. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX for reporting and manipulating of my report for inaccurate information continue to update reports as charge with a balance name variation, credit inquires from unknown sources, renewed debts and refusal to remove inaccuracies. Connecting accounts to addresses that dont and have never belonged to me. Refusal to provide the information requested for the requested information for proper investigation. Changing my score without provide information that justifies the continual change in my score by over 100 points, continuing to mark a charge acvount with a monthly late payment history since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted XXXX, experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX for reporting and manipulating of my report for inaccurate information continue to update reports as charge with a balance name variation, credit inquires from unknown sources, renewed debts and refusal to remove inaccuracies. Connecting accounts to addresses that dont and have never belonged to me. Refusal to provide the information requested for the requested information for proper investigation. Changing my score without provide information that justifies the continual change in my score by over 100 points, continuing to mark a charge acvount with a monthly late payment history since 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am with Wells Fargo Home Mortgage and was on Covid 19 relief and post XXXX XXXXXXXX when they lost a payment and refused further payments. I was kicked out of my XXXX through the foreclosure attorney based on that lost payment. 6 months later the payment was found abs was misapplied. I have attempted several modifications since only to have my ex wife, who is not on title, and not on my XXXX XXXX be allowed to cancel and request a short sale instead. During all of this I have been trying to recover from a head injury and car accident and now am on SSXXXXI for a XXXX, my current wife and I cant move without a payment history and cant sell and cant rent or do anything and we are stuck. XXXX XXXX with the State of Mn attorney General sent me to you to file a complaint. If a wells took money for Covid 19 relief with promises to modify after how can they say no and try and foreclose. I would like to modify my mortgage and have my current new wife on and the payments put on the back or a letter of mistake so I may rent or buy something else. I have zero history I can show because payments are refused. I was also offered Home Help Minnesota funds if XXXX but Wells Fargo refused to work with them on my behalf

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I have previously filed a complaint # XXXX, with your agency in regard to Chase Bank NA . 

After the complaint I received further communication via mail and phone that indicates that the amount that was previously offered to me months back is not the same as of today XX/XX/2023. I believe that Chase is retaliating towards me for my initial complaint to your agency. 

Chase actions are predatory and deceptive and cause emotional stress to me in so many ways. I am a XXXXXXXX XXXX  recipient and XXXX on a fixed income from the Social Security Administration. Now theyre attempting to resolve a debt at a higher amount that was previously offered to me several months ago. 

Chase Bank, NA responded back on XX/XX/2023, and they stated that deny any violation of any alleged laws and that they take complaints and claims of discrimination seriously. They also mentioned that they do not tolerate any form of discrimination as it is strictly against their policy and corporate culture. Well, I investigated and discovered 72 Federal Civil lawsuits under Americans with Disabilities act. 

When I reached out to you months back, they offered me for account # XXXX {$4600.00} for the alleged {$46000.00} and now theyre offering me {$11000.00} to settle this alleged debt. 

On account # XXXX they are offering the same amount XXXX for the alleged {$37000.00}. I called their XXXX XXXX XXXX and did not get anywhere with the representative that took my call. 

Chase Bank, NA is predatory and deceptive business operation, and the US Department of Justice is aware of their practice of business. What compassion do they have to any consumer who goes through a hard time? I know there is a consumer violation that is being violated by Chase Bank and this would not be the first time they have been cited in the past from consumers. 

XXXX XXXX impacted my life as well. I had many XXXX XXXX with the XXXX XXXX. My medical records will be provided for your review. 

I request your agencies to investigate this matter a second time. My next step is the Department of Justice. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation