vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-06 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: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
I tried numerous times to cominicate with Mr Cooper on refinancing my property. After many attemps of talking with Mr Cooper and trying to avoid forcloser during XXXX. The end results involved me selling my property. i feel i was railroaded out of my home and over charged by Mr Cooper when i sold my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I purchased an American Express gift card and had it loaded for {$300.00} from the local grocery store where I live. When I got home I went to check the balance on the website listed on the card to make sure it was showing on the gift card. I got an error message, something was wrong with the card. I called the XXXX # on the back of the card. I was advised that someone had called to try to claim the card, so they need me to email a copy of my receipt and picture ID along with the front and back of the card and utility bill to determine ownership. I was advised to allow XXXX business days for the process to be complete. I called each week from XX/XX/year>, until now XX/XX/year>, and I am still being told they are working on it. XX/XX/year>, was the XXXX business day, and yet American Express Gift card customer service refused to send me the {$300.00} back or a replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX - XXXX : {$2700.00} XXXXXXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX Balance - {$780.00} XXXX XXXX- Balance : {$920.00} XXXX XXXXXXXX XXXX- Balance : {$160.00} XXXXXXXX XXXX XXXX- Balance : {$310.00}

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 2024-08-06 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: NY

Complaint narrative:
It has come to my attention that XXXXXXXX XXXX is currently reporting to all major credit bureaus that my Account XXXX Is past due by XXXX days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the XXXX XXXX XXXX  and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late XXXX  years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date

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 2024-08-06 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: CA

Complaint narrative:
On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from XXXX XXXX and she asked for social I declined and she was not able to identify me by name.

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 2024-08-06 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: CA

Complaint narrative:
On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from XXXX XXXX  and she asked for social I declined and she was not able to identify me by name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from XXXX XXXX  and she asked for social I declined and she was not able to identify me by name.

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 2024-08-06 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-08-06 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and notice that i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and saw a account that I dont have or own and its reported late and a balance and I need to have that 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 2024-08-06 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: NY

Complaint narrative:
I checked my credit report and saw a account that I dont have or own and its reported late and a balance and I need to have that removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged in excess of XXXX XXXX dollars fraudulently. I called and disputed all charges. They reversed all the charges but left out multiple charges in the original dispute, totaling {$100.00}. I was assured all charges were reported, as I had not used the card at all for XXXX  years up until that point, I made it clear that every single charge on every invoice in the past XXXX years was fraud. I only found out they missed the charges when a statement came in and was charged a late fee. I paid {$130.00} ( the original XXXX plus late fees and interest ) to avoid a late payment on my credit report. 

I reported all of this but still have not heard back. My invoice ONLY showed this amount of {$130.00} for my XX/XX/year> statement. 

Furthermore, I got a XX/XX/XXXX statement where almost every charge from the original disputes is now shown BACK on my statement, totaling {$2300.00}. I called a week ago, they told me someone made the mistake of charging me instead of crediting me. I was told it would take XXXX hours to resolve After XXXX  days, I called again and now they are telling me they have to give this to another department. Every dispute was in my favor so I should owe exactly XXXX dollars. 

In summary, I am owed {$130.00} for a payment I made because their representatives somehow forgot to submit a fraud claim on several charges, and I paid late fees and interest fees. 

I won every dispute in my favor for all fraudulent charges. They should have credited my account to the total of {$2300.00}. They instead charged me that amount. 

I have been calling for the past XXXX  months with no resolution in sight, and the payment is due on the 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 2024-08-06 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I was reviewing my credit report and noticed some inquiries are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/year>

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
If tried to remove these accounts for years and they wont stop sending emails and wont remove from my credit report. Accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I had an account with Avant ( Credit Card ) this account was charged off on XX/XX/XXXX per the attached account summary. I've requested the 1099-C from Avant and received no responds. Then in XXXX of XXXX I started to received request for payment from a third party debt collector. Resurgent they claim that they manage the account for XXXX XXXX XXXX. I requested from Resurgent the following UCC compliance Article 2 : Clarity of Contract Terms and Article 9 : Transparency of Debt Ownership along with FDCPA adherence Section 808 ( b ) : Licensing and Registration, Section 807 : Prohibiting Deceptive Misrepresentations and Section 809 : Validation of Debts. What I received was XXXX account summaries both for the month of XXXX which is questionable, both summaries have a payment due date for XXXX XXXX but the Transaction Dates and Posted Dates are different. But it's clear that in XX/XX/XXXX the account was charged off for the full amount including finance charges that are almost the same amount of the actual charges. I should have received the 1099-C to this date I've not received it. 
Then in XXXX XXXX Avant sent a letter stating that this account was sold to XXXX XXXX XXXX on XX/XX/XXXX. Avant had no right to sell my information to XXXX and Avant has no right to sell an account that they charged off back in XXXX of XXXX. This is unlawful Avant charged off an account and then sold the account to a third party debit collector, Avant received payment twice for this account, this is also IRS XXXX Tax fraud. Not to mention a violation of my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TN

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts that remain inaccurately listed on my credit report. Despite multiple attempts to address these inaccuracies and repeated requests for a thorough investigation, there has been no resolution or corrective action taken to date. 

These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. The negative repercussions of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX I ordered a credit report on Experian. I was told it was free but they charged me XXXX which I didn't expect. There is not a method to contact the vendor in order to dispute the charge or to cancel the service. I tried several different phone numbers : none of them worked and the ones that seemed to want to help asked for my XXXX XXXX XXXX in an automated situation which seems dubious. I tried the following phone numbers : XXXX ; XXXX ; XXXX XXXX XXXX. 

I am going to disputed the charge with my credit card company & I filed a complaint with WA 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 2024-08-06 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
After receiving a recent copy of my credit report, I noticed an unknown inquiry on XX/XX/year>. I am not sending you with this inquiry and have reached out to the company to provide why my credit was accessed. I did not authorize this request. I have had no response from the company. They had me request this via mail. It has been over 30 days and I have not received any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Every time I attempt to get my credit report it says it can not verify my identity I have mailed documents and also uploaded prof of my identity on Experian.com and still I am able to get my 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