vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Our family loves the Amex XXXX Card. My wife has had hers for a few years and has really enjoyed the benefits, especially the XXXX XXXXXXXX XXXX XXXX during our vacations in XXXX and XXXX. When I saw the promotional offer for the American Express XXXX XXXX XXXX " Earn XXXX XXXX membership Rewards Points after you spend {$20000.00} in eligible purchases on the Card within you first 3 months of Card Membership. This offer may not be available if you leave this web page and return later {$690.00} Annual Fee ''. I applied for the offer right away and began using the card immediately. To keep track of my everyday purchases and ensure I reached the {$20000.00} spending goal within the first three months, I created an XXXX spreadsheet. As of XX/XX/XXXX, my total spending was {$20000.00} ( not including the {$690.00} annual fee ), broken down as follows : {$2600.00} ( Statement Ending XX/XX/XXXX ) {$3800.00} ( Statement Ending XX/XX/XXXX ) {$13000.00} ( Statement Ending XX/XX/XXXX ) I'm still using the card, even after exceeding the {$20000.00} spending requirement. However, when my fourth statement arrived, I noticed the promotional offer for XXXX points wasn't reflected. I called Amex customer service a few times and was advised to wait ten days for a resolution. As of today, XX/XX/XXXX, I still haven't received the points. I genuinely believe Amex should honor my bonus of XXXX points, especially since our family has been loyal members of American Express for over thirty years. Thank you for your consideration! Attached is the the screenshot of the offer for your record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
We received a loan amount through Mosaic XXXX for the installation of our XXXXXXXX XXXX. The original conractor XXXX went out of business and Mosaic contracted XXXX XXXX to complete our project. We ended up selling our home before our solar system was completed and operational and Mosaic XXXX received the loan payment in full when the house sold. I received a call from them last week XXXX advising me that they are discontinuing work for the copletion of the XXXX XXXX on the house eventhough they have been paid in full for work not completed. This is an unethical practice and I lost over {$20000.00} as a result of their dishonesty. Please help! {$20000.00} is a lot of money to be lost for a projec that was never completed. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have had a Chase Freedom Credit Card for over 20 years. It was in good standing. 

I received an email that they were closing my account effective XXXX XXXX XXXX with no reason given. They said I would receive a letter with explanation and if I had any questions, to call the number in the email. I received the letter via XXXX and no reason or explanation was provided. So I called the number provided in the email. They could not give any reason for the closing of the account. They further indicated that I could never apply for a credit card with them in the future. 

I have a credit score that was over XXXX till they closed my account which does not look good on my credit score. So my score dropped to below XXXX. 

I would like to know what I did wrong or is this some sort of glitch. If I did something wrong I want to fix it so that I do not have issues with any of my other credit cards that are all in good standing. Like I indicated I have a good credit score and worked hard to maintain good credit. I feel like I'm being target with no reason or explanation. I put myself through school and held positions with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am a professional with a XXXXXXXX XXXX XXXX, with an extensive financial portfolio, own my own home, and raised XXXX kids who I put through college. 

I have an email that I can forward and letter that I can send at a later date after I have scanned it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: TX

Complaint narrative:
I'm alerting you to an issue with my credit file. There's a collection entry from your agency that I wasn't informed about before. I strongly question the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to debt validation. Please provide this validation and address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Attached is a breakdown along with supporting documents. 

XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt. The vehicle, a Mercedes-Benz XXXX XXXX, was repossessed with approximately XXXX miles and sold for {$63000.00}, while the original amount owed was {$86000.00}. ( diplay price {$70000.00} ) A down payment of {$5000.00} was made, followed by consecutive payments of {$1300.00} and {$1500.00} for the next XXXX months. 

Breakdown of the charges and adjustments don ; t make any sense for us + {$18000.00} No exact break down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have requested that the insurance be paid through the mortgage servicer/escrow account. ( Freedom Mortgage ). 
The homeowners insurance company reached out to the mortgage servicer and provided the bill. The homeowners insurance then reached out to me with the bill and said the servicer wouldn't pay it. 
I reached out again to freedom mortgage via phone and email several times, including providing the bill that the insurance company provided to the both of us, stating my intent to pay the insurance through the mortgage servicer/escrow account. 
When I spoke to them on the phone they said I would have to make a request in writing via email, which I did on their portal. 
They took no action. 

They then called me to discuss the insurance and informed me of the fact that the property needed insurance. I reminded them they had received the bill from myself and from the insurance company and it was on them to pay it now since I had put the request in writing. 

Then they just hung up on me without answer. 

I got another call shortly after from Freedom Mortgage, wherein they were confused about what I was trying to do. They then bounced me around on hold from several people for several hours, with each person I spoke to knowing progressively less and less about what an escrow account was or what my intent was. 

I believe that Freedom Mortgage is going out of their way to make this process as difficult as possible, and even more frustrating is as we are continuing to struggle with the recovery efforts from XXXX and now XXXX, Freedom Mortgage is either ignoring me, or outright refuses to correspond on this matter. 

Despite being recently hit with XXXX natural disasters, I find that the most difficult thing to deal with has been Freedom Mortgage and their instance on making this as XXXX  as possible. 
Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-10 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX  XXXX | XXXX | XX/XX/XXXX Inquiries XXXX XXXX  | XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted TransUnion multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than XXXX  days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, 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 2024-10-10 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX XXXX  XXXX | XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted TransUnion multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than XXXX  days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have an older account that has been paid and closed and always paid on time but irecently noticed in pulling my credit that they are reporting XXXX late payment. I asked for it to be remvoed and show me where i was late but never heard back from them or the credit bureaus. Please help me in getting this removed since it should have shown as never late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-10-10 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-10-10 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: Synovus Bank
State: FL

Complaint narrative:
Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) XXXX XXXX XXXX ( b ). 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-10-10 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: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
XXXX  credit report showed I had an account with Santander Bank. I have never had an account with Santander so I pursued to have this corrected. XXXX reported the dispute was resolved in favor of the company. This can not be as I never had an account and want the account to be removed to avoid fraud.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-10 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: PA

Complaint narrative:
The hard inquires on my credit report are NOT authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> They are not authorized, no permissible purpose or other reason. 
18 USC 1028A Producing without lawful authority an identification document or a false identification document.

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