vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I called up the company that manages my home loan payment and informed them that they needed to do a tax inquiry or analysis with my county to adjust my monthly mortgage payment because I was recently granted a new tax exemption. The mortgage management representative refused to take the necessary step by saying that " I need to send them a tax bill with the amount for 2025 ''. The tax bill for year 2025 is due in XXXX of 2025 which means I could be making over payments unnecessarily. I was recently granted a XXXX veteran XXXX exemption for the year 2025 from XXXX XXXX. The county did not send me any paperwork, but they did send me an email confirming the benefit. It is the management company 's responsibility to reach out to my county to confirm and reduce my monthly mortgage after I have contacted them. Currently there are no bill or amounts due on my county 's website account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase offers XXXX  XXXX  back on food, beverage and Wi-Fi purchases on board XXXX and XXXX XXXX XXXX and XXXX XXXX premium drink XXXX XXXX their advertised credit card. I made an in-flight purchase of a cheeseburger on XX/XX/XXXX for {$14.00} and did not receive the promotion. I called on XX/XX/XXXX for help. I spent about XXXX minutes for resolution on the promotion that was not fulfilled. By XX/XX/XXXX, nothing had happened. So I called again. I then spent XXXX minutes re-complaining about he exact same issue. I was told it could take up to XXXX  days to resolve it. But the agent said again a new note was put in and promised someone would call me within the next week with resolution XXXX way or the other. After she completed the XXXX complaint inquiry, I asked to be transferred to escalations so I could try and find someone who could take ownership of this. I spoke with the escalations department and complained a XXXX time. 

It's now XX/XX/XXXX and nothing has still been resolved. This is no my XXXX time complaining about a {$3.00} credit. I've now spent about an hour of my life because of the Chase 's inability to give me an advertised promise of XXXX  XXXX  back on in-flight purchases. I suspect this is an issue to other cardholders beyond me which could result in thousands or millions in lost credits to cardholders nationwide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2024-11-29 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: SC

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ending in XXXX, another auto loan at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX Credit cards from XXXX XXXX ending in XXXX, XXXX, XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I don't recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
CFPB

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/year>

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The consumer reporting agencies ( CRA ) continued to report inaccurate and inconsistent information on my credit report. I have disputed these accounts for the past 60 days with the original creditors and have received few followups with the creditors but CRA 'S are inconsistent in verifying this information. I believe all CRA 's should be reporting same accurate information and investigate disputes that the consumer requested, instead they continue to resolve disputes without providing me with the methods use to verify the information. I have send letters with all documentation needed but they keep saying investigation still in progress. I have several accounts that says resolved but the status was never updated and unknown addresses and variations of my name continue to be added on my report, after I disputed that information and sent a valid identification, SSN and utility bill to verify my identity. As a victim of identity theft, I request you do a thorough investigation and provide with information requested.

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 2024-11-29 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: NY

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I have emailed, spoke with customer service, escalation team, opened a case manager care case, numerous phone calls and going in circles. It's been over a month and no one is helping me I am unable to get Hyundai Finance to electronically release my title in FL DMV. 
I have had XXXX and XXXX from the executive office as 'case managers ' and they have closed my case as finished and I don't know why ... because I have still not received title. I have reached out everyday trying to get someone to help and hoping this helps me get my title

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted getting my credit report from all three credit bureaus all to no avail

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 2024-11-29 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: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
XXXX, Experian, and XXXX have repeatedly ignored my identity theft report that I have submitted in regard to acct ( XXXX ). Although, XXXX XXXX XXXX, PARENT COMPANY, and Subsidiaries ( XXXX XXXX XXXX XXXX ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. I have submitted a 1099C, 1099 OID, and 1099 B to the IRS since XXXX XXXX has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests XXXX  XXXX provide me with copies of my 1099C, 1099 OID, and 1099 B. I am also requesting that XXXX  XXXX Provide a CERTFIED copy by their CPA of their GAAP accounting records. I have also filed forms 3949 and 211 treasury omb to audit consumers ' accounts. 

XXXX, Experian, and XXXX has a duty to report inaccurate information that they have failed to uphold. XXXX XXXX, XXXX, Experian, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. 

Symbol : XXXX XXXX XXXX XXXX : XXXX ISIN : 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 2024-11-29 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal information Also Known As XXXX XXXX Also Known As XXXX XXXX XXXX Also Known As XXXX XXXX Former XXXX A XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Collection/Charge off XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXXXX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-11-29 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: GA

Complaint narrative:
TransUnion, XXXX, and XXXX have repeatedly ignored my identity theft report that I have submitted in regard to acct ( XXXX ). Although, XXXX XXXX XXXX, PARENT COMPANY, and Subsidiaries ( XXXX XXXX XXXX XXXX ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. I have submitted a 1099C, 1099 OID, and 1099 B to the IRS since XXXX XXXX has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests XXXX  XXXX provide me with copies of my 1099C, 1099 OID, and 1099 B. I am also requesting that XXXX  XXXX Provide a CERTFIED copy by their CPA of their GAAP accounting records. I have also filed forms 3949 and 211 treasury omb to audit consumers ' accounts. 

TransUnion, XXXX, and XXXX has a duty to report inaccurate information that they have failed to uphold. XXXX XXXX, TransUnion, XXXX, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. 

Symbol : XXXX XXXX XXXX XXXX : XXXX ISIN : 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 2024-11-29 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: SC

Complaint narrative:
My rights under the Fair Credit Reporting Act ( FCRA ) and related laws were violated in several significant ways, causing harm to my credit standing and personal peace. Specifically : XXXX XXXX XXXX XXXX infor

mation about me was accepted and reported without verifying its accuracy, which is willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ). Lack of Disclosure of Opt-Out Rights My right to opt out of sharing personal information was not disclosed, violating FCRA 603 ( d ) ( 2 ) ( A ) and denying me control over how my personal data is shared. Inaccurate Reporting Inaccurate accounts and inquiries were furnished without proper validation, violating FCRA 623 ( a ) ( 3 ) and misleading other entities that rely on my credit report. Unfair Debt Collection Practices Debt collectors, such as XXXX XXXX and XXXX XXXX, reported unverified debts without following validation requirements under the FDCPA ( 15 U.S.C. 1692g ). This caused unnecessary distress and harassment. 

XXXX XXXX of XXXX XXXX My debt information was shared with third-party agencies, violating rules that prohibit disclosing debt-related information improperly. 

Deceptive Reporting of Late Payments Late payments were inaccurately reported without defining what constitutes a late payment, which is both deceptive and harmful to my credit profile. 

Unauthorized Hard Inquiries Several hard inquiries, including those by PLATINUM CAR and FLAGSHIP CRE, were conducted without my consent, violating permissible purpose requirements under FCRA 604 ( 15 U.S.C. 1681b ).

Neglect in Calculating Finance Charges Finance charges were inaccurately determined, reflecting a failure to fulfill reporting responsibilities accurately.

These actions have led to unauthorized and inaccurate entries on my credit report, harassment from creditors, and damage to my creditworthiness. I have demanded immediate corrective action, including the deletion of false information, validation or removal of unverified debts, and cessation of unauthorized practices. If these issues are not resolved promptly, I will take all legal measures necessary to protect my rights.

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 2024-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I obtained my Home Equity Investment loan through XXXX and RoundPoint Mortgage was the servicer of my loan. My title company sent the payoff amount to RoundPoint on XX/XX/XXXX and I never received any overage check for the escrow balance. I emailed RoundPoint and got the response that they sent the check to the wrong address. I called and updated my mailing address and since then I never received any response from RoundPoint period.

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I booked and paid for a stay at XXXX XXXX through XXXX for XX/XX/XXXX. On XX/XX/XXXX, I decided to extend the stay and asked the hotel front desk. The next day I winded being charged by XXXX that XX/XX/XXXX. I called that hotel, and the manager told me I ought to be seeing a refund in days. But I never did. And I could not get her to respond back to me in writing. I asked CapitalOne to dispute the charge. CapitalOne initially denied my claims and would not allow me to dispute the charge with XXXX. They insisted that I open a new dispute against XXXX. And now they are denying the dispute with XXXX also. Like the evidence that showed I was charged for XX/XX/XXXX once by XXXX and another time by XXXX XXXX is overwhelming.

Company response to consumer: Closed with explanation