vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: KY

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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. Delete the accounts XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
Lender : Citizens Bank, N.A. 
Mortgage type : VA ; purchase via mortgage transfer House closed : XXXX XX/XX/year> Notification ( phone ) : XXXX XXXX XX/XX/year> - The mortgage had not been transferred to the new owners. New owner was advised they would received payment instruction via mail to pay XXXX mortgage despite not being the actual current holders of the debt. 

Notification ( phone ) : XXXX XXXX XX/XX/year> - Voicemail states the mortgage transfer is still not complete ( nor has the new owner received any information via mail ). The Citizens Bank employee has made a calendar notification to reach out on XXXX XXXX but that no late charge will be applied because there is a XXXX grace period ( XXXX XXXX ). At that point expect to hear that the mortgage has been transferred or Citizens Bank will put a " stop '' on the payment.

Summary : I currently own a home to which someone else owns the debt. I received the title for this home 24 days prior to first month 's mortgage due date. Citizens Bank has failed to transfer the mortgage to my name prior to this date and is now using my payment grace period for them to process their own paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Our loan was transferred to Shellpoint Mortgage.Our old company was XXXX, I got behind in my mortgage due to XXXX XXXX  and my medication cost and then loss of job. XXXX was working with us but when we transferred to shellpoint we were told we are in forclosure and they will not help us, we have to reinstate the whole loan or house will foreclose. If I had full reinstatement it would have been paid already. I was told by my POC that our company does things different and we cant help. I am XXXX, I am in XXXX XXXX XXXX on XXXX  and a XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and they are going to put me and my wife and 12 year daughters in streets all because I am not allowed a repayment plan. Can anyone help me? I was told I cant have repayment plan or forbearance because I am in active foreclosure. How can I be in foreclosure when I still have a forebearence agreement with my former mortgage co. So apparently shellpoint is doing shady things to let my forebearence run out, it ends on XX/XX/XXXX, so they can forclose. Because I was told by POC I cant get help so they are not trying to help just create more problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: NY

Complaint narrative:
I have noticed multiple unauthorized hard inquiries on my credit reports specifically from TransUnion and XXXX. I was able to obtain this information using credit karma. XXXX of these hard pulls came from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Upon noticing this I reached out and called the creditor, and I was told that the XX/XX/XXXX report they have already removed and that the credit bureau was notified by them to remove this hard inquiry months ago. XXXX XXXX began another investigation into the XX/XX/XXXX incident. 

The XXXX hard inquiry is from XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX dating back to XX/XX/XXXX. 


These XXXX hard inquiries have significantly harmed me and prevented me from obtaining credit cards which I really have desired. 

I WOULD LIKE TO FINALLY HAVE THEM REMOVED OF MY CREDIT REPORT AND STOP HARMING MY CREDIT SCORE IN THE FUTURE

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, the bank corrected my name on my checking account, and withheld my pension check due to no fault of my own. As a direct result, denied pension. Seemingly, the pension check was sent back to the pension company on XX/XX/year>, as per the bank. Bottom-Line, the bank fully aware I have bills which now I will be charged late-payment credit card fees due to no fault of my own. Why did the bank send pension check back instead of releasing pension check to loyal customer of nearly thirty years knowingly that it is the banks own fault of having the name on checking account? On XX/XX/year>, the bank corrected their own error by correcting my name on checking/savings account. However, due to no fault of my own, my pension denied. 
Whereby, the bank will charge me over {$340.00} in late fees & charges on credit cards, unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity 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 non-monetary relief
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and I noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX Account number 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 2024-08-01 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: WI

Complaint narrative:
I disputed a XXXXXXXX XXXX XXXX bill that was not mine. I did this through the 3 consumer companies. It was removed from XXXX and XXXX but not Experian. I ask it be removed from Experian so it reflects the most accurate information. Id like my reports to show accurate and transparent information, matching information.

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I used a XXXX XXXX off XXXXXXXX XXXX and advertised as legitimate. My Chime account was used. At the same time my phone, email, banking, and social media accounts hacked and shutdown Chime. When I requested a refund of funds due to not receiving my product being scammed. I have went through the Chime denial process which I dont agree with. We as Americans have A foreigner, making decisions of allocating funds to Americans, this process creates a dissidence between refunds, American laws, timeliness in the allocation to take place. I was refunded a partial amount on another account. The amount is {$15000.00} and its a federal crime. The dispute number is XXXX and I have kept on filing a reconsideration. Is this because Im XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a typographical error paying Synchrony Bank for TJMX credit card, amount due {$360.00} was sent as {$360.00} XXXX bill, paid on time. Charged {$15.00} XXXX bill and XXXX XXXX bill for XXXX XXXX  error. Contacted Synchrony Bank and said they will not make any adjustments even though I always pay my bills in full, on time for many years on TJMX credit card. I will no longer use this card and TJMX will lose a good paying customer due to unfair business practices of Synchrony Bank

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 2024-08-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-01 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: VA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity 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 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
In XX/XX/year> while observing my credit a company ( Credence Resource Manage ) falsely reported to my credit report that XXXX  owe {$2400.00}. XXXX ask them to provide a contract with Credence Resource Manage and XXXX wet signature. They have yet to provide that information to me and by law if they cant, it must be removed, IMMEDIATELY. XXXX has never heard of this company therefore XXXX know theres no contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
THE FOLLOWING INQUIRIES ON EQUIFAX WERE NOT AUTHORIZED BY ME. MULTIPLE ATTEMPTS TO REMOVE WERE IGNORED. 

SEE ATTACHMENT 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 explanation
Consumer complaint received 2024-08-01 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent two letters, referred to hereafter as " Amex Opt Out '' and " Request 1099-C '', to AMEX Customer Service . I received confirmation that letters were received. To date, I have not received what I asked for and AMEX is still reporting information post opt-out and I have not received any requested documents from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-08-01 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: NJ

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I had a previous debt with XXXX XXXX XXXX of {$1000.00}. That debt has been paid for more than 4 years and this debt still shows in 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 2024-08-01 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:
After reviewing my credit report with Transunion I saw unauthorized credit inquires. I requested the wet in signature and the copy of the application. There are no accounts attached to the inquires that were made. I have requested these inquires be removed from my credit report as per 15 U.S. Code 1601. They have not been removed as of yet.

I will provide a copy of my credit report with the unauthorized inquires.

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 2024-08-01 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: FL

Complaint narrative:
THE FOLLOWING INQUIRIES REPORTING ON TRANSUNION WERE NOT AUTHORIZED BY ME. SEVERAL ATTEMPTS HAVE BEEN MADE AND TRANSUNION WILL NOT PROVIDE PROOF OR REMOVE THEM. 

SEE ATTACHED DOCUMENTATION 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 explanation
Consumer complaint received 2024-08-01 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
" I am not requesting the verification or validation of any of these accounts. The accounts that are enumerated MUST be deleted. I am requesting that the credit reporting agency adhere to fair and equitable practices. I will file a complaint for default judgment on minor claims as a result of your violations. The credit reporting agency is required to remove any account that I identify as alleged identity theft in accordance with 15 U.S. Code 1681c-2. The accounts that must be removed are as follows. I am expressing my dissatisfaction with the contents of the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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:
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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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