vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
XXXX XXXX from Newrez Mortgage Co. played the fast talk and quick push to get me a lower interest rate to refinance my VA they already serve. Nowhere did she say that they would be adding over XXXX to my loan for closing costs and fees. 
She just kept expressing she wants to save us monthly payments money. 
I have expressed on 3 different emails back and forth with her and her latest was i understand your concerns, give me a few days to see what my managers can do to help lower the fees. 
She is not understanding that I no longer wish to continue with a Company that allows XXXX tricky sales tactics on Veterans. 
She said they were reaching out to all Verteran and only have a small window to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
about 4 months i recieved a copy of my credit report and noticed severals accounts tha are listed on my report that i never applied for never used and never received any benefit from i dispute these accounts and refuse to removed them all these accounts are result of identify theft

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 2025-02-05 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-05 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I could not find my password. 
the process they have online to reset it uses old nonvalid information, ergo there is no way for me to reset it. 
I have send an email to them and they remain unresponsive. 
It is ridiculous that the only process they have is online and that doesn't work.

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 2025-02-05 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:
I am writing to formally dispute an inaccurate entry on my credit report that has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I am holding your agency accountable for the negligent inclusion of this erroneous information.

Upon reviewing my credit report, I discovered the following incorrect information : Disputed Item Details : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX & XX/XX/XXXX Disputed Issue : Damaging credit score Under the FCRA, credit reporting agencies must ensure the maximum possible accuracy of information in consumer reports. This inaccurate information has caused undue harm to my creditworthiness, and I am demanding its prompt removal or correction.

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 2025-02-05 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: GA

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
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that appears on my credit report. This account was reported without my authorization and violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Disputed Collection Account Details : Collection Agency Name : First source advantage llc Original Creditor : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year>XXXX  Violations Under the FCRA & FDCPA : 1. Unauthorized Reporting of Fraudulent Information ( FCRA, 15 U.S.C. 1681b & 1681s-2 ) A collection account must be accurate, verifiable, and legally authorized before being reported. Since this debt is fraudulent, it does not meet these requirements and must be removed. 
2. Failure to Verify the Debt ( FDCPA, 15 U.S.C. 1692g ) If I did not receive proper validation of this debt upon request, the collection agency is in violation of federal law and can not legally report or collect on this account.

3. Unverifiable Information ( FCRA, 15 U.S.C. 1681i ) If the collection agency or credit bureau can not verify that I authorized or incurred this debt, it must be deleted immediately.

4. Fraudulent Collection & Identity Theft Protections ( FCRA, 15 U.S.C. 1681c-2 ) As a victim of fraud, I request that this account be blocked from my credit report and that a fraud alert be placed on my file to prevent further unauthorized activity.

Requested Actions : Immediately remove the fraudulent collection account from my credit report. 
Block the account under FCRA, 15 U.S.C. 1681c-2 as fraudulent activity.

Place a fraud alert on my credit file to prevent further unauthorized accounts. 
Provide a written response confirming the removal and an updated copy of my credit report.

I have attached several dispute letters a copy of my identity theft report, police report and supporting documents to verify my claim to the credit bureaus. Ive been trying to dispute this since last year of XXXX and they have ignored all attempts Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
We went into JPMorgan Chase Bank on XX/XX/XXXX to request an account balance and to get temporary checks. We told the branch manager, XXXX XXXX, that we were moving out of state and there were no Chase banks in our new city. We wanted to move the funds to the new bank and that Chase was to close the account after the checks had cleared. XXXX XXXX then walked with us to the teller to instruct the teller that we were moving and we needed temporary checks to move funds and that the account was going to be closed after the checks cleared. 

We received a phone call today XX/XX/XXXX from Chase today, telling us that we had a XXXX balance and there was going to be a fee even though we told several people that the accounts were to be closed. We were even told today that the accounts have now been closed, but are they really? Obviously our communication with Chase is not enough and we need help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, my Bank of America XXXX XXXX XXXX XXXX information was fraudulently used to make {$1500.00} in music festival ticket purchases ( for the XXXX XXXX XXXX XXXX XXXX with XXXX XXXX, XXXX XXXX, XXXX XXXX  and more! @ XXXX XXXX XXXX on XX/XX/XXXX ). There were three separate purchases attempted and two, for around {$1000.00}, were immediately declined by Bank of America. The third charge, for {$520.00}, went through. I saw these immediately and called both the ticket vendor - XXXX XXXX, who said there was nothing they could do, and B of A. B of A agreed to freeze my credit card and I filed a dispute of the charge that evening. A month and a half later, they " resolved '' my dispute by denying it. The reason they gave was that I was provided with and in possession of the merchandise - an emailed ticket. They seem to have completely trusted the vendor- XXXX XXXX- who told them that I created an account, purchased the ticket, and accepted their terms of service- as if someone doing this online from a nearby IP address ( XXXX ) somehow may be fairly assumed to be me. Nevermind that I reported this purchase as fraudulent immediately that night, that my credit card was closed, that I never used, redeemed, or transferred the ticket, or that I never travelled to XXXX to attend this concert for which the ticket was purchased. Again - I never redeemed or forwarded the ticket. Someone else bought it and it was sent to me by email. B of A never contacted me to speak with me or question me about any of this. I have proof I never used the ticket, never travelled to XXXX, and was in Washington state when this concert took place. Why would I dispute this purchase, close my card, than use the ticket anyway? I since have been issued a new credit card and destroyed the old one. This is the second time this card has been fraudulently used for purchases. I would like to be refunded the disputed amount of {$520.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Hello, I sent a letter by certified mail disputing information for inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

I requested that they provide me with all documentation used to verify the accuracy of the disputed information. 

No response has been given. 

I would like these items removed. The letter was sent by certified mail and will be included for reference. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2025-02-05 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One called me seven times today harassing me about two accounts which one was a secure credit card I deposited {$940.00} to get the credit card the other was a quick silver both were charged off/ written off and I told them on my credit reports from the three major credit bureaus that was on my accounts last year I asked Capital One for a 1099-C the told me that the two accounts were closed : Ive requested a debit validation and I asked Capital One what happened to my 360 accounts and to stop calling me with vulgar questions and tone of voice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CO

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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 2025-02-05 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: FL

Complaint narrative:
list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. I looked at my Experian, eQUIFAX AND tRANSUNION credit report 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 whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS 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