vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Nowcom/Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding 1681bc Permission Purpose To Whom It May Concern, I am writing to formally dispute an item on my credit report associated with your company. This dispute concerns the inquiry made on XX/XX/XXXX, which is set for removal in XX/XX/XXXX. Upon review, I believe this inquiry was made without my explicit authorization or in compliance with the purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, permissible purposes for obtaining consumer reports are clearly defined. To the best of my knowledge, I did not provide explicit consent for this inquiry, nor do I recall engaging in a transaction or initiating a relationship with your company that would justify such a request. As such, I kindly request the following : Proof of Authorization : Please provide documentation or evidence indicating that I authorized this inquiry. 
Permissible Purpose Explanation : Clarify how this inquiry meets the criteria under 1681b ( c ) of the FCRA. 
Removal Request : If the inquiry was conducted in error or without proper authorization, I request its immediate removal from my credit report. 
This matter is of great importance to me, and I would appreciate a prompt response. If you are unable to provide the necessary evidence, I will escalate this matter with the credit reporting agencies and, if necessary, the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your immediate attention to this issue. I look forward to resolving this matter swiftly. Please respond in writing to the address listed above or contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely,

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 2024-12-23 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX persons unknown charged XXXX online to our Bof VISA account. The merchants advised that we should simply return the items for credit. We never received them. We filed a claims dispute with Bof A. It first posted a temporary credit and issued new VISA cards, but subsequently reversed the credit on the grounds that the good had been shipped to us. They weren't. XXXX tracking shows that the items were delivered to and collected at a remote XXXX facility, not to us. On XXXX XXXX we wrote BofA asking that the credit be reinstated, and provided documentation as to where the good were shipped. Bof A has nor responded.

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 2024-12-23 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 would like for a late payment that is being reported on my credit report to be reinvestigated. The account was with XXXX XXXX XXXX and the account number is 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 2024-12-23 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: TN

Complaint narrative:
I am reaching out with deep concern to formally dispute inaccurate information that is currently being reported on my credit report. 
Regrettably, the following items have been misreported and are having an adverse impact on my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly showing that I have XXXX late payment, when, in fact, my Equifax report clearly reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is incorrectly showing that I have XXXX late payment, when, in fact, my Equifax report XXXX reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : As I previously disputed this account with the credit bureaus, and it was successfully deleted from my XXXX report. However, Equifax failed to conduct an investigation and did not remove the disputed information. 
This oversight is causing me a great deal of stress and anxiety, and I am hoping it can be addressed promptly so that I can move forward without this mistake hanging over me. 

XXXX : Equifax XXXX XX/XX/year> Im writing with a heavy XXXX, as Ive discovered that these items on my credit report are either inaccurately reported or have already been resolved. Despite my efforts to address this, the issue remains unresolved. Ive already reached out to both the credit reporting agency and the data furnisher, but nothing has changed. 
The ongoing error is causing me a great deal of distress, and I kindly request that these items be thoroughly investigated and corrected as soon as possible. 
To support my claim, I have attached documentation and screenshots of my credit report, which show the inaccurate information. I sincerely hope this matter can be addressed promptly, and my credit report updated to reflect the correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: NM

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-12-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wife at the time purchase an AC unit with my name on it and I gave no authorization to Wells Fargo or my wife at the time to open this account.

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 2024-12-23 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-12-23 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: CA

Complaint narrative:
These debts is considered a charge off. However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not a charge off I'm requesting this is removed because it's not debt. This is considered income and income should not be reported on your credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/year>. 

Florida Case XXXX XXXX XXXX. 

It was discharged by the court in XXXX. 

The seven years has past, and all three credit agencies still show this on my records how do i get his off my credit report? 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent account and inquiry be blocked and deleted from my credit report immediately : Fraudulent Account : XXXX - XXXX - XX/XX/year> - {$7900.00} Fraudulent Inquiry : XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime Bank has repeatedly delayed the direct deposits of many individuals receiving various deposits ( government/employer direct deposits ), theres no sense of continuity/expectation of deposits availability time frame, I have tried on numerous attempts to communicate this frustration with chime on numerous occasions. Chime has been made aware of there delays kn numerous occasions. Something has to be addressed to fix this issue, but so that chime individuals/recipents can have a more detailed description of expectation of Direct deposit availability. Also chime offers features to card holders ( XXXX ), however there have been multiple flaws in both features as well, delaying cardholders to access there full available amount thats offered, chime stated that this feature is system generated and not controlled by actual individuals which has caused a major delay to cardholders, Im more than willing to provide more detail regarding this matter and my interactions with chime, but this has been an ongoing issue that needs to be addressed before a law suit is filed against chime for delaying processing of direct deposits and failed practices according to chime terms and conditions, chime is a major institution, so I expect improvements regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CA

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 XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Selene Holdings LLC
State: CA

Complaint narrative:
The company stated that they would process the escrow refund of {$2100.00} and mail a letter explaining the difference in the new mortgage balance. However, they have not processed the refund. Additionally, when I tried to log in to my online account, I was locked out of the system, making me unable to access all my payments. I request that they allow me to retrieve all my documents online for record-keeping purposes. The annual property taxes for the county are as follows : XXXX : {$8900.00} XXXX : {$9300.00} XXXX : {$9700.00} From XXXX to XXXX, there was a significant annual increase of {$440.00}. From XXXX to XXXX, there was a significant annual increase of {$360.00}. With this increase, the mortgage lender raised our XXXX fixed mortgage payment by {$760.00} per month starting in XX/XX/XXXX. Over 10 months ( XXXX to XXXX ), this totals {$7600.00}. We have been paying for our own insurance since the day we purchased the house. Furthermore, I did not receive any escrow updates, which violates RESPA regulations regarding how much was charged to my escrow account per month. The dramatic increase of {$760.00} per month is unjustified. This is a XXXX fixed mortgage loan, not a jumbo loan or a XXXX year mortgage loan. My monthly payment was {$3700.00} with only a slight increase due to county taxes in XXXX. However, this does not justify the demand for a XX/XX/XXXX installment payment of {$4100.00} ( as stated in their letter ), especially since this amount is not escrowed. This is a violation of the terms of a fixed XXXX mortgage. I will soon submit a mortgage audit from my CPA. This conduct constitutes fraud. And escrow balance of {$2100.00} has not refunded back to me when the company stated that they will refund me back to my checking account. 
And, I need them to notify me when do I start paying for my own property taxes next year since the mortgage now is not escrowed now. I only agree to pay9ing principal and interest to Selene Finance. 

CFPB please advice. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TN

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 2024-12-23 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: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief