vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: MO

Complaint narrative:
First Progress is in violation of FCRA. I've received an updated copy of my consumer reporting stating a 30-day late payment in XXXX. We're in the month of XXXX. 
The balance still had not been updated to {$0.00} as it still shows a {$330.00} balance on the account. 

There is no late payment for the month of XXXX on this account. Due for XXXX was XX/XX/XXXX a full balance payment of {$330.00} was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Since XX/XX/2023 I have been disputing multiple fraudulent that is report to my report. I have filed a police report and an FTC report and there are still some accounts that should not be on my report. I have disputed will all XXXX credit bureaus and only XXXX have resolved my issues and removed all accounts. XXXX have removed some there are still XXXX accounts that needs to be removed. Equifax have not removed none of the accounts. 

15 US. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Its has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I need an inquiry removed from this credit report. I believe the creditor is violation of 15 U.S.C 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: PA

Complaint narrative:
Date XX/XX/year> {$34.00} Company XXXX  Need to be updated ..... 
Incorrect data

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
This fraudulent crooked company is trying to get dump complaints by marking as duplicate WONT WORK AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I was notified I was delinquent on my mortgage ( missed payments ) in the amount of {$4500.00} the week prior to XXXX. I believed my husband was making payments and was current. I called Carrington Mortgage, but they were closed due to the XXXX holiday. I called the following week and they stated they could do a reinstatement letter, but could not inform me of the amount. They said the letter would arrive within 10-14 business days. The letter arrived via email on XX/XX/XXXX ( dated XX/XX/XXXX ) giving me until XX/XX/XXXX to pay {$8900.00} ( past due mortgage of {$4500.00}, a late payment charge of {$100.00}, Corporate/Expense Advances of {$2300.00}, and Paid Recoverable fee of {$1800.00} ). I had the {$4500.00} missed payments and wanted to immediately send that payment, but was informed they would not take the {$4500.00} and not accept anything less than the full {$8900.00}. I called them on XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX XXXX in an attempt to pay the {$4500.00} and negotiate the advanced and corporate fees, I offered {$1500.00} to settle those charges. She explained these were attorney fees and non-negotiable. We asked of the attorney representing Carrington to seek to negotiate fees. We were referred to XXXX XXXX XXXX. We called XXXX XXXX XXXX at XXXX XXXX and spoke with 'XXXX XXXX at extension XXXX. She said that Carrington would be the party to make the decision to negotiate/reduce/settle charges. When we explained to her that Carrington referred us to XXXX the representative reached out to supervision and committed to connect back with us in an hour. We never heard a word back. We did wire, as per Carrington 's directive, the full amount of {$8900.00} to save our home. Since there was no legal action, no advance corporate fees, their unwillingness to take our mortgage payment, their unwillingness to reduce or settle charges, we are respectfully requesting your assistance in getting back the usury charges imposed by Carrington of {$2300.00} and {$1800.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-06 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX Delinquent Payments - XXXX & XXXX of XXXX  Account - XXXX XXXX XXXX  Delinquent Payments - XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: CITIBANK, N.A.
State: CT

Complaint narrative:
There are two charges from XXXX in the amount of {$620.00}. One hit my account on XX/XX/23 and the other on XX/XX/23. I have no idea what these charges are for. I have never ordered anything from this vendor. 

I have called the company at least three times trying to resolve the matter. They insist the charges are valid despite my statements that neither of these charges were made by me. 

As a result, I am over my credit limit and being charged late fees.

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 2024-02-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the 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 2024-02-06 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I received notice from Jefferson capital regarding a debt with sprint. I replied on XX/XX/XXXX with a letter by certified mail requesting validation and a contract showing my original signature of me doing any business with Jefferson capital systems. They ( Jefferson capital systems ) replied by mail that their records indicated they would no longer attempt to collect on this debt. now in XX/XX/XXXX I received another mailing from Jefferson capital systems regarding the same supposed debt with sprint. I then replied by certified mail on XX/XX/XXXX with another validation and cease and desist letter. I have not received any further communications from Jefferson Capital systems to date however they are still attempting to collect on an invalid debt. I have never done business with Jefferson capital systems. I will be filing a complaint with the XXXX  as well as the FTC if this does not stop. I am requesting they stop any and all collections and reporting to the credit bureaus damaging my credit reports under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A- on XXXX charged {$25000.00} for Purchase. 
B- on XXXX Paid {$25000.00} to Credit Card to cover purchase. 
C- on XXXX Cancelled purchase. 
D- on XXXX {$25000.00} credited back to Credit Card XXXX 
E- on approximately XXXX requested excess payment refund. 

Above details Credit Card activity and amounts. Bank HAS NOT transferred funds to personal account stating they need to conduct a 30 day investigation. 

we issued an executive complaint. To date, the Bank has completely ignored our request!!!!

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 2024-02-06 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: OH

Complaint narrative:
XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) have been continuously harassing me since XXXX for a fraudulent application to their company. I am a VICTIM of identity theft in which I have been fighting since XXXX, and not just the evil bad people doing this to me, but the companies that keep allowing this to happen to me because they clearly dont take FRAUD/IDENTITY THEFT seriously. 
I have filed so many FTC reports against XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) since XXXX but clearly they think this is a joke and CONTINUE TO HARASS ME! 
Companies like XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) clearly don't care if innocent people like me have FRAUD ALERTS on MY CREDIT REPORT and MY CREDIT FROZEN, they just give the evil bad people credit in my name and then come after me, the innocent VICTIM!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
I was notified by Discover Bank that 2 wire transfers in the amounts of {$24000.00} and {$24000.00} were processed from my account within minutes of each other. I immediately notified Discover Bank that these requests were fraudulent, and I was informed this would be handled by there fraud investigation team. I have been in contact with the bank numerous times since this incident and it has not been resolved. I recently learned that the request to recover these funds from the recipient bank was made by Discover Bank 6 days after they were notified by me that these requests were fraudulent. Discover Bank refuses to restore these funds to my account despite their negligence ( I was never contacted until after the funds had been dispersed ) and untimely response 6 days after my notification of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: PA

Complaint narrative:
XX/XX/2024 Amount {$12000.00} XXXX XXXX XXXX XXXX I.m dispute this amount on my Credit Report and request for this account to be removed ....

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 2024-02-06 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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-02-06 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:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
On XX/XX/2024 I sent a request for the agency to validate the alleged debt. However, they responded with a lease that couldve been written by anyone as it did not have a company letterhead on it as well as a fee breakdown list of charges that appeared to be typed by anyone and if its opened on a word document its editable without a letterhead. Them sending that information doesnt FULLY validate a debt and make a person liable for it based off a lease with a first and last name on it without solid proof that its in fact the person responsible. Anyone could type up a lease and a fee breakdown making false statements. Also, the agency has been reporting different balances. The balance was once {$3200.00} and now its XXXX XXXX. Im responding back to the company as they did NOT resolve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: LA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2024-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have a {$200.00} Amex gift card. I have attempted to use it at XXXX, XXXX XXXX, XXXX and XXXX. Each time, it gets declined by Amex. The stores can not help and Amex just told me to use it somewhere else, however this is frustrating that it does not work at several large stores and it is a large gift card that is seemingly useless.

Company response to consumer: Closed with monetary relief