vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I cant figure out why theyre there. I always check my credit report regularly, but this time, there were strange discrepancies that Ive never seen before. I thought it might be a glitch, so I refreshed my browser, but nothing changed. The inaccurate accounts were still there. Im begging for the documents Ive sent to be carefully reviewed so I can finally stop worrying about this nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
XXXX billing. Think Easy pay is using XXXX name wrongly. XXXX XXXX claim. No reply from XXXX XXXX. Was put on report no contact to me. Never received by law debt proof. No date closed. Reported late. I never agreed to pay. 12 month duration. Over 12 months. XXXX account number number matches old XXXX purchase. Paid the money to the business. XXXX is a medical collection not an XXXX XXXX. Read illegal to use another collection name fraudulent. Disputed and bureaus will not provide facts used to ensure valid. {$760.00} is high credit. Credit on the account was not that high.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
A deeply concerning collection entry has appeared on my credit file from your agency without any prior notification or communication regarding this alleged debt. This unexpected discovery raises serious questions about the legitimacy and accuracy of the claimed amount, particularly given the complete lack of prior contact. Under the Fair Debt Collection Practices Act, I am exercising my fundamental right to request proper validation of this debt, as the current situation has created significant uncertainty and distress regarding my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: WA

Complaint narrative:
There are unauthorized inquires on TransUnion credit report file. Please Remove those XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Newrez Issued Incorrect Annual Escrow Analysis on XX/XX/XXXX. 

Per Newrez, for Michigan residents, XXXX is when escrow analyze should occur. However, Newrez incorrectly processed my annual escrow analysis on XX/XX/XXXX, NOT XXXX! 

Contacted rep. ( XXXX ) on XX/XX/XXXX for requested correction of Annual Escrow Analysis and was told XXXX days for correction. 

On XX/XX/XXXX unsuccessfully chatted with XXXX XXXX that suggested I mail in request and documents, Although I indicated Newrez website having issues with my attempts to upload/submit documents. 

Please note, effective date of incorrect analysis is less than XXXX  days away, that would create adjustments affecting incorrect escrow balance and loan payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I WAS WORKING FOR COMPANY CALLED XXXX XXXX AND I LEFT MY CARD WITH MY ACCOUNT THAT I HAD WITH WELLS FARGO. I HAD A CHECKING ACCOUNT THAT ONLY HAD FUNDS THAT WERE DEPOSITED BY THIS XXXX XXXX XXXX CAUSE I WAS REQUIRED TO HAVE A OPEN CHECKING ACCOUNT WITH THIS COMPANY. I HAD LEFT MY CARD IN THE SHOP ON MY TOOL BOX. I LATER THEN NOPTICE MY CARD WAS MISSING AND I ASKED EVERYBODY AT THE XXXX XXXX XXXX THAT I WAS WORKING AS A MONAGER. I THEN CALLED WELLS FARGO AND ASK IF MY CARD WAS RETURN THEY TOLD ME NOTHING AND THEN THEY CALLED BACK AND TOLD ME THAT MY CARD WAS DROPPED OFF AND THAT THEY COULDNT TELL ME WHO DROPPED IT OFF AND WAS TELLIMNG ME THAT THEY DIDNT KNOW HOW MY CARD WAS RECIVED IT JUST SHOWEDE UP AT THIS LOCATION. IN XXXX LOCATION. I HAVE BEEN GOING THRU THIS BIG SCANDAL WITH HOMELAND SECUIRTY WITH THEM HARRESSING ME AND PUBLIC OUT ME OF BEING XXXX SO I BELIEV THAT THIAS WAS A BIG PART OF IT TO XXXX IF I WAS USING MY CARD ON XXXX SITES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
15 U.S 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a wire transfer for XXXX from my XXXX XXXX XXXXXXXX Checking account XXXX to Chase Bank, Routing # XXXX, Account # XXXX. The recipient has not received the funds. XXXX has also given me a XXXX file number XXXX, that the recipient has used to ask Chase to check on the status of these funds. Chase as failed to respond to the recipients request or the trace request submitted by XXXX on XX/XX/XXXX. Chase did respond to the first Wire Transfer Recall request stating they needed to receive an ok from the beneficiary, recipient, to release the funds. Indicating that they had deposited the funds in a wrong account, because the intended recipient has stated and offered to share their account ledger showing they have not received the funds. 
We are now 33 days past when Chase received the funds and they have not responded to the Trace request, submitted on XX/XX/XXXX, and has not returned the funds as a result of the Wire Transfer Recall request, submitted on XX/XX/XXXX. 
Since Chase has been remiss in its responsibilities to communicate to the request from XXXX and the intended recipient, I need help to recover my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America stated that I owe for XXXX accounts that I had with them at the same time for the same amount or close to the same amount. I applied for employment with Bank of America and was offered the position however, when my background check was ran the offer was rescinded by Bank of America due to the balances that they stated I owed. This happened between 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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and my wife and I proudly own and operate XXXX XXXX XXXX XXXX  a business built on hard work, dedication, and integrity. For two years, we have trusted Citizens Bank with our business banking needs, processing over {$100000.00} in transactions and maintaining a consistent and reliable account history. 

However, over the past three to four months, I have experienced what I believe to be unjust and excessive overdraft fees applied to our account. These fees often occur despite funds being available, including during periods when no transactions are taking place, such as weekends. After numerous visits to the bank and phone calls seeking clarity, I remain without a satisfactory explanation or resolution. 

This situation has caused significant frustration and financial strain, and I can no longer overlook what appears to be a pattern of questionable practices. I approach this matter with respect but also with an expectation that my concerns will be taken seriously. As a XXXX XXXX XXXX XXXX I am no stranger to working hard and advocating for fair treatment, and I demand the same level of respect and transparency that I extend to others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of certain accounts from my credit report due to my status as a survivor of XXXX XXXX. As provided under the Debt Bondage Repair Act ( Pub. L. No. 117-90, 2021 ), individuals who have been subjected to XXXX XXXX have the right to have adverse information related to their XXXX experience removed from their credit reports.

To facilitate this process, I have included the following information : 1. A list of the specific accounts that need to be removed.

2. Documentation to verify my status as a victim of XXXX XXXX, as outlined under federal or state law.

3. A copy of my government-issued ID and any additional identifying information needed to locate my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit file was pulled and didnt receive a product and this is a violation and 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 2025-01-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to formally dispute certain information that appears on my credit report. I recently reviewed my credit report and found a discrepancy involving an account that I believe is incorrect. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccuracies or incomplete information. 

The specific item in question is listed as XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of edu XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edu XXXX XXXX, Dept of edu XXXX XXXX Dept of edu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, on my credit report, which I believe to be inaccurate. I am requesting that you investigate this issue and correct any errors immediately.

According to 15 U.S.C. 1681s-2, as a furnisher of information to the credit reporting agencies, you are required to report accurate and complete information. If any of the information provided by you is found to be inaccurate, you are obligated to correct it or notify the credit reporting agency to delete or update the entry.

Additionally, under 15 U.S.C. 1692g, I request that you provide the necessary documentation to validate the debt in question. Specifically, I would like to see proof that this debt is mine, including a copy of the original agreement, account history, and any supporting documents that substantiate the claim made in my credit report. 

If this matter is not resolved or if you do not respond within the legally prescribed timeframe, I will take further action to protect my rights. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please be advised that I am exercising my rights under the FCRA to ensure that my credit report is accurate and fair. I expect a written response within 15 days of your receipt of this letter, as required by law. 

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

Sincerely, XXXX XXXX XX/XX/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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
I have never used Southern finance company before. When I was disputing the transaction on XXXX they said they found two accounts. XXXX dollars was not cashed by me. Southern finance needs to be taken off of my account please. 

Now for XXXX  XXXX, they have reported my payments incorrectly. It states I havent made a payment since XXXX when my last payment was in XXXX of XXXX. I havent missed a payment. Im almost done paying the loan off as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Milliman, Inc.
State: FL

Complaint narrative:
Trying to get my credit report ( medical ) for over 2 months. Finally received it, has incorrect information on it from a doctor. I went to the doctor to clarify the information. Have been turned down from several insurance company 's because of it, This is costing me money every month. Have not been able to talk to any body at Milliman IntelliScript. I just keep leaving messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: Block, Inc.
State: MI

Complaint narrative:
I reveived a CASHAP credit card in the mail I did not apply for. I called the company and they are working on closing it but did not give me any details on how somone opened it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that warrant immediate attention. Despite my diligent efforts, including multiple written communications sent over 30 days ago requesting validation of these items, I have received neither acknowledgment nor substantiation of these reported late payments. This lack of response and failure to provide proper verification necessitates formal intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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