vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX, XXXX XX/XX/XXXX. 
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 accounts opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under the account number ( 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 do not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX informed me that my mortgage was being transferred effective XX/XX/year>, and they could not accept any more payments after that date. I made my XXXX payment to XXXX prior to that date, it was received and processed by XXXX which left my account paid up to date. My next payment should have been due in XXXX. I contacted XXXX several times asking how and where to make my upcoming payments. They advised me that the new mortgage company would contact me with that information, that it was common for delays during mortgage transfers, and that I would have an extended grace period because of that. On XX/XX/year> I received the first communication from Shellpoint Mortgage. It was a packet containing a regulatory notice, claiming that I was behind on my payments by {$2500.00}. My monthly payment is {$1200.00}. So I have no idea where they came up with that number. It contained intimidating verbiage about foreclosure and Shellpoints rights to foreclose. It contained no information about how to make a payment, and no confirmation of the terms of the loan, which they can not legally change anyways. I believe they are intentionally trying to create a late payment status by manipulating my ability to make a timely payment on my mortgage account. The fact that I didnt receive any type of communication from Shellpoint until 18 days after my payment is normally due, and I still dont know how to make a payment because they have not provided that information, is what I believe to be mortgage servicing abuse. Now XXXX has closed my account so XXXX cant even ask them for assistance.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally lodge a complaint regarding Experian 's inaccurate reporting on my credit report. Specifically, Experian has listed a negative entry related to XXXX XXXX that is false and misleading. The report indicates that I owe a delinquent amount, despite the fact that the issue is still unresolved and under negotiation. 

This entry pertains to a vehicle that was stolen and subsequently towed by a company called XXXX. I am currently in the process of negotiating with my insurance company, XXXX XXXX, to resolve the matter and pay off the remaining amount owed. The claim is still open, and the situation has not yet been settled. Given this, it is premature and unjust for Experian to report this matter as if it were a closed or resolved debt. 

I have made several attempts to communicate with both XXXX and Experian to rectify this erroneous listing, but the issue remains unresolved. This inaccurate reporting has caused significant harm to my credit score and has created undue stress as I try to resolve the matter with my insurance company. I respectfully request that the Consumer Protection Bureau take action to have this false information removed from my credit report immediately. 

I would appreciate your assistance in ensuring that Experian and XXXX properly update my credit report to reflect the accurate status of this unresolved issue. I am prepared to provide documentation supporting my claim, including evidence of the ongoing negotiations with XXXX XXXX regarding the stolen vehicle. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have address and accounts on my credit report that dont belong also under 15 U.S.C 1681s-2

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 2024-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I recently was involved in a private legal settlement and deposited the checks from the settlement into my Chase bank account. The funds were deposited into my accounts but now Chase is closing my accounts and is refusing to release the funds because they were unable to verify the checks. I called them everyday for XXXX weeks to try and prevent them from closing my account and they asked me for numbers because the number associated with the checks in their system was not picking up. I provided them several different numbers, but they refused to call any of them and told me none of the numbers provided were verified. I got all the numbers from the company 's lawyer, including the number of the person who signed the checks that I deposited. No one from Chase has called these numbers despite them asking me to find them. They say they are not verified and that unless I can provide a verified number my account will be closed. As of today both my checking and savings are closed and Chase is holding on to the funds. They are calling one number that is associated with the checks in their system through the CA Secretary of State, is what I was told, but it has been nearly XXXX weeks and no one is picking up from that number. They want me to get someone to pick up from that number or get another number. I am stuck because no one at Chase is calling numbers they asked me to get for them in order to verify these checks. The other party in the lawsuit confirmed that the funds left their bank and are in my account, Chase is just not letting me access it and is not giving me a solution. To top it off Chase has been extremely rude and they keep moving the finish line. I have been calling them constantly and I have broken into tears several times. One manager told me over the phone crying was not going to help my case. On Tuesday I went into a branch, they called the other party in the lawsuits lawyer and verified the checks and I was told my accounts would be reopened. However, now my accounts are closed and they are holding on to the funds. Several times I have been told that the lawyers number worked to verify the checks and to call back the next day to check my account is re-open and when I check back in they ask me for another number because now the lawyers number doesnt work. I was also told the number for the man who signed the check would work and when I got that for them, they said it didnt actually work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT AND FRAUDULENT INQUIRES : DATE OPENED XXXX FUNDING XXXX XX/XX/XXXX XXXX CRED XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT AND FRAUDULENT INQUIRES : DATE OPENED XXXX FUNDING XXXX XX/XX/XXXX XXXX CRED XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Consumer reports. Rental history and report. Lexington law credit repair and XXXX data breach settlement case debt collection and tXXXX XXXX XXXX XXXX by unknown but have police report companies never solved or responded to fraud identification including correct history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven yea
rs.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

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 2024-10-19 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: IL

Complaint narrative:
I have address and accounts on my credit report that dont belong also under 15 U.S.C 1681s-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have address and accounts on my credit report that dont belong also under 15 U.S.C 1681s-2

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 2024-10-19 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: WI

Complaint narrative:
Tranunion credit repor continue have accounts doesn't belong I'm being denied for any lines credit I'm being denied for housing these companies never say reason exqufax nor XXXX  always tranunion whom has XXXX accounts showing over XXXX on auto loan this account doesn't belong L refuse l make payments on accounts doesn't belong l feel like I'm being forced to make payments on accounts doesn't belong l have applied XXXX credit with XXXX years while making on time payment denied due tranunion errors after l depute accounts last over 90 days then l t Receive a letter stating theses accounts were removed then following months been reattached which not fair due to creditors hasn't given proof only the amounts l trued reached out to creditors whom stated information there bein pulled it matched my information from credit bureau. I asked why your not have lean nor garnishedment due to these companies doesn't have information. Company called XXXX auto over XXXX. Balance I'm not able too get Housin anywhere in my name then l have XXXX XXXX XXXX XXXX whom stated there information is same dont have any proof XXXX XXXX stated they advised tranunion removal but continue found on my credit report the letter attached below shows given reasons tranunion credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Heres what needs fixing : **Personal Information : ** - **Incorrect Name** : XXXX XXXX - **Incorrect Previous Address** : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - *Date of Birth** : XXXX only - Current Address** : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - **Incorrect Employer** : XXXX XXXX XXXX **Collections/Accounts : ** - **XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX XXXX** : Account ending in XXXX XXXX **XXXX XXXX** : Account ending in XXXX - **XXXX XXXX XXXX XXXX** : Account ending in XXXX - **XXXX XXXX** : Account ending in XXXX - **XXXX XXXX** : Account ending in XXXX - **XXXX** : Account ending in XXXX **Inquiries : ** - **XXXX XXXX XXXX** : XXXX - **XXXX XXXX XXXX** : XXXX - **XXXX XXXX** : XXXX - **XXXX XXXX XXXX XXXX** : XXXX - **XXXX XXXX XXXX XXXX** : XXXX - **XXXX XXXX XXXXXXXX XXXX** XXXX XXXX - **XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) ** : XXXX - **XXXX XXXX XXXX** : XXXX - **XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Re : Synchrony Claim # XXXX On XX/XX/XXXX, I paid {$1300.00} on my PayPal Credit account to booking.com through PayPal Credit / Synchrony Bank for a three-day reservation at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a stay beginning on XX/XX/XXXX. 
The vacation date was planned for the XXXX XXXX XXXX XXXX  event during that week. This was a short vacation for us, to pick up our XXXX XXXX from storage in XXXX XXXXXXXX XXXX to drive to the museum. 
On XX/XX/XXXX, while on our way to the hotel we received a phone call from the hotel " manager '' XXXX, who said the hotel had been closed for XXXX months and he was busy making cancellation calls to guests on their way in. He said we would have to call XXXX to get a refund as the " merchant never gets the funds until the guest checks in. '' I contacted XXXX on several occasions [ XXXX XXXX XXXX XXXX  ]. Typically, one will be on hold for up to an hour before anyone answers. When I did get through, I was told they would " resolve the issue within XXXX days. '' I have had several comments like that since the initial call and they have only called back once ; to leave a message saying I would get a refund to the credit card used for the transaction. 
As of today ( XX/XX/XXXX ) I have received no refund. 
Synchrony reopened the transaction dispute and then closed it today, stating " we have received no proof that a credit is due on the account for you and or the merchant. '' The hotel was closed and out of business when we arrived. I sent photos taken of the hotel to Synchrony bank to validate the dispute. We had to stay at the XXXX XXXX for XXXX days instead of the XXXX XXXXXXXX XXXX. 
At first, PayPal Credit said I had no recourse because all disputes must be handled within 180 days of payment. The reservation was made for the hotel XXXX MONTHS IN ADVANCE ; therefore, we would never know about any discrepancies until XX/XX/XXXX, the day we arrived in XXXX XXXX XXXX. 
We have called the hotel at XXXX XXXX XXXX XXXX. They never answer. We leave voicemails when the mailbox is not " full '' and they have never returned any call since the first day we heard from them, again, XX/XX/XXXX. 
XXXX  has not returned any calls nor sent any communication to me. 
PayPal Credit sent the funds to XXXX but XXXX said to call PayPal for the refund request. 
It appears because the credit card company can not get through to the XXXX XXXXXXXX XXXX, they feel they do not have to refund my reservation amount.

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