vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
My consumer report shows identity theft-linked accounts I never approved. I recently informed you about this and now demand these accounts be blocked and removed from my report immediately. These false entries are causing me serious stress and misrepresent my credit. I'll take legal action if not fixed quickly. These fake items have prevented me from reaching key financial goals like buying a home and supporting my family.

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 2024-10-15 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/24 I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I received your response from Freedom Mortgage that said the they did not recognize me as a customer. Really? They have held my current mortgage after they purchased it several years. Since that loan is current, where have the loan payments gone? Should I stop paying them since they don't recognize me as customer? The last thing I heard from Freedom Mortgage ( XX/XX/year> ) was they determined that the loan paperwork, that they produced, was a mess, so the loan is on hold until they can do an internal audit. So far ( XX/XX/year> ) they have not so communicated with us. Since you fined them {$3.00} XXXX dollars for improper paper work, this seems to be a continuing problem with them. What should I do? Refinance with another company? Seeing their rating and reading customer reviews about failure to pay property taxes they collected and failing to pass on home insurance payouts, I really don't really want to do business with them. But having already paid some of the closing cost I don't want to get stiffed out of money!!!

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 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
I have been in contact with Ally Financial/Bank trying since last week to get a payoff faxed to my local bank so I can refinance. I've been trying to get that information since last week XX/XX/year>. I have talk to numerous people all which I can barely understand and I have had XXXX luck getting the payoff faxed to my bank. I have spent hours on the phone with no help and then I have also been forwarded to the fraud department. Then when i talk to the fraud department they are telling me it a dealer reassignment but are unable to tell me what that means and that I have to contact the dealer where I purchased. I have contacted the dealer which I bought the vehicle at and they have no information from Ally. They have no idea to what they are talking about and have not been contacted by Ally. They said that dealer reassignment is impossible because they sent the title to Ally. It seems that 3 people that I talk to can't fax it and transfer me to the fraud department. Then the other people at Ally I talk to say that the payoff will be faxed but it never happens.

I'm also trying to get my title or a copy of the title so I can register the vehicle in XX/XX/XXXX after moving from Nevada. The state of XX/XX/XXXXusually gets that info automatically but hasn't received any from Ally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
No clue what happened, I have perfect payment history and accounts on my credit file. I went to get a loan and they said i was denied because of " Fifth Third Bank ''. 

I said how I have a perfect payment history with them! They showed me credit report and they showed me a account that was charged off and was never made aware of this! 

Tried calling they wouldn't give me much information, i said its not mine. I pay my bills on time and my other account is perfect payment history why would i open another account supposedly and not pay it makes no sense. 

They said i dont care your liable and hung up on me! 

The fifth third bank account charge off for XXXX is not mine and wasnt even aware of it until today!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I asked for compliance on the debt collection agencies behalf to proved me with a signature on the debt owed. None was provided. I still receive phone calls week about it. Just want confirmation on the debt, amount owed and my signature and or original paperwork involved with the debt purchase. They have nothing. 

Debt was supposedly purchased in XXXX of XX/XX/XXXX. I have received no documentation of original debt amount and or signature stating it was me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name XX/XX/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 non-monetary relief
Consumer complaint received 2024-10-15 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX 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 2024-10-15 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I can not use my checking account for any transactions. They said I can go to the brach to withdraw cash but thats it. I have asked several times when it would be resolved and what I need to do but they do not give me an answer and just say they are sorry. They said it was a security freeze and they are investigating and they will not know when it will be resolved nor do they know why there is a security freeze. I need to use my bank account in order to conduct my business and survive.

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 2024-10-15 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: MA

Complaint narrative:
Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXXXXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS A-1 & A-2 Attached. This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS A-1, A-2, & B-1 Attached ) and XXXX ( SEE EXHIBITS A-1 & B-1 ) have both CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A-1, A-2, & B Attached ). XXXX and XXXX have clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods 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 2024-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
Approx. on XX/XX/year> I bought an electronic visa vanilla gift card. Almost immediately my funds were stolen and I made a dispute. On XX/XX/XXXX I finally received an email from visa saying they approved my dispute. And in the email is says to contact XXXX if I had any questions or concerns. The same day I emailed that email, because within the letter of approval they had my old address. I emailed day of, the next, and 3 days later. With still no reply. 
I finally get ahold of them thru phone and they said they all ready sent the check to my old address. And suggested if I want the check to go open up their mailbox, I said no bc that is a crime. So thats twice my money has been compromised. So we change my address to my new address ( which I emailed to them at least 4 times ) they tell me to send a utility bill to their email for address verification. I did this. And got confirmation they got the email. Days go by, and I email them to check status of when I will get my check. No replies to emails. So I call again, yesterday, XX/XX/XXXX, to check the status. The agent tells me check has been processed and sent out. I ask them, to what address? They tell me an address on XXXX XXXX, when my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is the 3rd time my money has gotten compromised, 2 of those times DEFINITELY being their fault. Because they decided, instead of verify my address, being the SERVICE ADDRESS, since it is my utility bill, they sent the check to my citys municipality office where I pay my electric bill! Not only is that a third time being compromised, but it was supposed to be for verification of MY address, I gave them. So how can they be that irresponsible to literally mess up their own verification process, and verify an address I did not give them. Then I spent about 6 hours talking on the phone ( because they kept hanging up on me ) trying to file a formal complaint. Which they refused to do. And the floor manager named XXXX said he was XXXX and final step of escalation and there is nobody else I could talk to help me file a complaint. Because he said he can file other complaints but none of my complaints were eligible to file a complaint about. I asked him to let me talk to the operations team or the legal team or someone else because he was not helping. He just wanted to change my address a 3rd time and continue this flawed system of getting a victim his money back. 
Not only did they go against their own terms and conditions with time frames. They went against their core values. Being to work responsibly and work in a timely manner. My situation got handled with the utmost irresponsibility, as well as disrespect by getting hung up on many times and lied to and not being able to file a complaint. Visas whole line of work is money and they failed my money multiple times due to their negligence.

Company response to consumer: Closed with explanation